vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
I would CFPB to look at my account dates are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I would CFPB to look at my account dates are wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Discrimination by Capital One, to wit : under Title 7, I belong to a class of individuals that are protected under " XXXX '' as I am XXXX  and already have numerous credit cards and bank accounts with Captial One, this particular one is a new Cabela  Card, ending in XXXX, and they are now trying to supposedly verify authorized users which ALL other cards already have XXXX XXXX XXXX XXXX XXXX XXXX XXXX is one and the same, has changed name/gender in California in XXXX. Capital One knows this, thus is committing violation of Title 7, under HHS, a violation of Title 7 and under Section 12948 of the Government Code in California, which incorporates section 54 of the Civil Code, in which, the credit cards were opened, thus California law also applies which is enforced by the State of California, Dept of Fair Housing and Employment, in which I have had several like kind prosecutions against like kind firms. 

Thus, Capital One, is in effect, causing me harm, a tort which is actionable under HHS for Civil Rights Violation under Title 7. 

We suggest you look into the case accordingly, as I will be pursing with HHS and State of California for the offenses laid out above. Be advised I am an AXXXX XXXX and in XXXX XXXX, so versed in Title 7 cases and violations and under XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) I am a member and are being discriminated based on XXXX XXXX  or XXXX XXXX, under XXXX, under the above forementioned case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the fair credit reporting act, everything has to be % 100 accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX, account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Verify This invalidated account XXXX/XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX XXXXXXXX Account XXXX : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was looking over my credit report and noticed several inaccuracies throughout it. Several collection accounts which are inaccurately updating balances. I sent a dispute letter dated XX/XX/XXXX to all 3 credit bureaus, which are currently undergoing the dispute process. XXXX keeps updating this account from XXXX XXXX XXXX for {$400.00} without proper investigation. I have also sent a letter to this company separately demanding them to valid this alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was looking over my credit report and noticed several inaccuracies throughout it. Several collection accounts which are inaccurately updating balances. I sent a dispute letter dated XX/XX/XXXX to all 3 credit bureaus, which are currently undergoing the dispute process. XXXX keeps updating this account from XXXX XXXX XXXX for {$400.00} without proper investigation. I have also sent a letter to this company separately demanding them to valid this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On XX/XX/XXXX Ally Financial is not following the Coronavirus Cares Act to remove or not report late payment. I was late XX/XX/XXXX due to Covid- 19 pandemic. under code 15 USC 1681S-2 ( A ) 1 ( F ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I recently purchased my credit report as I am trying to prepare to purchase a home and notice this company reporting a supposed collection account from Capital One. I have never entered an agreement with XXXX XXXX and do not owe them anything. I demand that they cease and desist communicating with me and provide proof that this alleged debt is valid. I demand to see the agreement between Capital one and XXXX giving them authority to collect this supposed debt. I also want a contract with my wet signature confirming I have a legal obligation to pay XXXX. They can also include the contract with my wet signature showing an obligation to Capital One. I am entitled to know if they were any insurance claims made by the alleged creditor about this account and if there are any judgements regarding it. If so I demand to see sufficient proof of service. On top of this, XXXX is reporting all different information to the bureaus. I assure you my disputes were not resolved because I did not validate this alleged debt. Capital one allegedly charged this debt off and I have not received a 1099-C for their write off!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Verify This invalidated account XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX  XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Was told my account would stay current with no missed payments while I was under the forbearance, but they still reported missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have never entered a contract with LVNV funding in my life. This company is reporting negative information on my credit report as if I have. They had a letter sent to me from a supposed " attorney '' attempting to get me to pay them money. I responded to them requesting they validate this alleged debt and they have not provided me what I requested only statements. This is my last attempt at a resolution before I sue LVNV, XXXX XXXX Bank, and this pretend attorney they have all now given my personal information to. XXXX XXXX charged off this alleged account and I never received a 1099-C for such. I'm holding every party accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company
State: WI

Complaint narrative:
on XX/XX/2002 XXXX XXXX XXXX my XXXX XXXX XXXX in the amount of {$140.00} without authorization for services provided to an adult child by a medical provider. 

They called repeatedly and asserted I owed medical bills for an adult child asserting that they were a minor when they were not. I asked for them to provide proof of age when the services were rendered and in the collection calls they could not. They refused. 

I did not convey my XXXX XXXX XXXX number to them or authorize payment on XX/XX/2002 in the amount of XXXX. Yet it was charged to my XXXX XXXX. ( which requires documentation of the services, which XXXX XXXX asserted I owed were provided to a minor child. ) In effect it has rendered my XXXX XXXX inactive, per federal rules regarding the use of the card. A dispute has been filed with the Benefit Administrator. Again, I can not provide an itemized statement for a service I did not receive or approve for payment. Collection companies should not be able to use financial card information provided to a medical provider with your consent to pay for a debt you did not incur. The addition of carrying your adult child on your insurance should not result in this behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC
State: TN

Complaint narrative:
Certegy has my information flagged, denying me to cash a check or open checking account anywhere. XXXX, XXXX, XXXX, I went to XXXX, XXXX 's to cash a check. Both locations denied cashing check due to certify. I was given a ref #, XXXX, toll free number to contact Certegy XXXX. This is an automated system, that does not allow a consumer to ask questions, seak with a human being. Therefore, the pre arranged questions were unrelated, however, I still tried other options on hopes of speaking with a human, but there's no other option. I want a copy of my consumer file with Certegy emailed to me immediately. There is inaccurate information reporting in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022, an amount of {$3000.00} was deducted from XXXX XXXX XXXXXXXX XXXX XXXX and ACH through Chase Bank. I have filed a compalint to our bank XXXX XXXXk and also file XXXX Police and the Report Number : XXXX. 

XXXXXXXX XXXX has requested Chase Bank to return the funds since this is a fraudulent and unauthorized activity Chase refused to return the funds. 

Chase stated since this was CCD ACH, our bank needs to report within 24 hours of the fraud, and as a consumer or even some bankers would have no clue about different forms of ACH. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

2. Verify This invalidated account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. Verify This invalidated account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

5. Verify This invalidated account XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

7. Verify This invalidated account XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. Verify This invalidated account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I found some negative items on my credit report in which I did not recognize and sent the reporting agencies letters asking them to remove this inaccurate information. It has been more than 30 days which is the required time under the FCRA laws and I would like to get a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
Student aid. Gov has incorrectly stated my loans were in administrative Forbearance XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As I reviewed my previously private loans with XXXX. I have attached the confirmation from XXXX. Payments were made XX/XX/XXXX for {$49.00}, XX/XX/XXXX for {$49.00}. Another administrative Forbearance was placed on Student Aid.gov incorrectly for XXXX. The months listed are XXXX and XX/XX/XXXX. Payments were made on XX/XX/XXXX for {$48.00} and XX/XX/XXXX for {$48.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX invoices were sent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX invoices were sent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My identity was stolen by criminals unknown to me and an auto loan was opened with XXXX  XXXX XXXX in XX/XX/2022 without my knowledge. I did not anticipate 7 months of certified letters back and forth to still have this issue still unresolved by XXXX  XXXX XXXX. 

Starting in XXXX, I have opened XXXX cases with XXXX XXXX XXXX for this one fraudulent loan and they have all been denied, including the latest one which was denied on XX/XX/XXXX. I've asked XXXX to get in touch with me to request what they specifically need in order to successfully resolve this fraud case, but they only mail generic letters denying my fraud claim. This has happened 7 times. 

I've sent all of the documentation they've requested, including copies of identifying information, a copy of the police report, a copy of documentation proving my place of residence ( which is different from that on the fraudulent loan ), a copy of my FTC Identity Theft Affidavit, as well as copies of letters from 3 other banks approving my fraud claims. Yet XXXX continues to deny my claim. Their denial letter contains a phone number that routes to agents that are not trained in fraud. There is no way straightforward way to get in touch with a human to help and they have not engaged over email or phone when I sent a letter requesting them to get in touch with me. 

Every other bank has been helpful in resolving this very stressful situation, yet XXXX  XXXX XXXX has made this process exceptionally long and difficult. In the meantime, my credit score continues to decline and I have to live with the consequences of that with no clear path toward resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief