vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information and inquiries. Which result in unauthorized items 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 2022-01-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
In 2007 I took out a private student loan with sallie Mae to attend school at XXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX, NH. The student loan was switched to Navient shortly after I had left the school. Navient claims they paid the school over {$20000.00} in the XXXX and a half month period I attended the college. I began classes in XX/XX/2007 and left the school at the end of XX/XX/2007. After leaving the school, the school closed down for not meeting standards and repeatedly failing to maintain health regulations. Over the past almost 15 years I have struggled to pay my loan. Navient repeatedly recommended placing my loan into forbearance and income driven repayment as well as being placed on hold while I attended classes at another college. My loan currently is higher now than when I left XXXX XXXX. Navient has repeatedly raised my rate the increase the dollar amount of interest owed. At this time my loan does not appear to be going down with the payments I make. Myself as well as so many others have had nothing but issues and hardships due to this company while trying to repay a loan that will never go away without making huge unreasonable payments on it. My husbands sister had the same exact issue for years. I hope all of those individuals looking for a student loan stand clear of Navient as they are untrustworthy, manipulative, and condescending. They have only the companies wallet in mind and will not have one care if things become tight and its difficult to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Servatus Corporation
State: PA

Complaint narrative:
Hi, my name is XXXX XXXX and no one is pressuring me to write this complaint. I have been reading up on the law quite a bit and I have found that Credit Solutions Corporation is still reporting to XXXX this alleged debt. Commission. I have written via certified mail and submitted a complaint via CFPB. According to 15 U.S.Code 1692g ( a ) 15 USC 1692g ( a ) 15 U.S.Code 1692g ( b ) 1692g ( b ) - If you dispute the debt in writing, they can not continue to report the debt until the dispute is over as the communication must stop. If not this is a violation. 

AFFIDAVIT Notice, it is a fact, on XXXX of 2021, and XX/XX/2021 I, the affiant, have sent a notice of dispute on the validity of this alleged debt to Credit Solutions Corpatrations During this time it is required for all debt collectors to cease all collection activity including any previous furnishing of the dispute information until the dispute is resolved. Affiant has proof in EXHIBIT A attached this debt collector not only did not remove the account, Credit Solutions Corporation did not report a notice of dispute. This is a direct violation of 15 U.S.Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with GM FINANCIAL on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but GM FINANCIAL took cash. The Finance charge is supposed to include insurance, but GM FINANCIAL made me purchase insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: DE

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information. I previously sent letters to Equifax and these companies about their credit reporting not being right. None of these companies provided anything that I asked for to validate these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Prime Business Service, LLC
State: CA

Complaint narrative:
XX/XX/XXXX paid credit repair agent to fix identity theft debit XXXX talkies to agent at business notifying them of theft and unauthorized use of credit card info and bank account XXXX dc case against roommate who I believe stole and used identity fraudulently Lost bank card to my other bank social security card and id during case. Put credit freeze due to theft

Company response to consumer: Untimely response
Consumer complaint received 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information and inquiries. Which result in unauthorized items 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 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information and inquiries. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
In XX/XX/XXXX I went to XXXX XXXX after I was given a pre approval for the vehicle that I purchased. With the prapproval I was to put down XXXX dollars and I would have a XXXX dollar monthly payment. After getting there I was passed around to different employees and then after my credit was run for the 37 time I was to put down XXXX and they told the extra care for the car was part of that. Without showing me the total numbers by distracting me with the fact that they did not understand my retirement pay/ XXXX XXXX XXXX pay. I was moving across the country and needed a truck. So I paid the amount for a down payment and was told off to the side to file my military paperwork with Exceter Auto Financial. But they will not help me get a new interest rate. Currently its 27 % and Im afraid that Im going to lose my trAnsportation. I filed again with Exceter fianc on XX/XX/XXXX again. I was told that my military paperwork didnt matter and threatens me. I told them I just went through a XXXX retirement and thats was a couple of months before and I was still in transition. I felt that I was intentional told one thing and made to feel like the down payment would resolve the high payment after I paid for the XXXX XXXX. Which now I figured out that I never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: LEXISNEXIS
State: NY

Complaint narrative:
Lexis Nexis has violated my consumer rights. I contacted Lexis Nexis on XX/XX/XXXX and XX/XX/XXXX informing them of the violations of my consumer rights. Lexis Nexis infringed on my right as a consumer to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). Lexis Nexis did not have a permissible purpose nor did they have my written instruction as a consumer to furnish any information about me to any consumer reporting agency. On XX/XX/XXXX I received a letter from the United States Bankruptcy Court for the XXXX XXXX of New York stating they do not provide information to credit report agencies. Lexis Nexis is in violation of 15 USC 1681a ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Netspend Corporation
State: IL

Complaint narrative:
So I have a problem trying to get my all access account. But I never received my all access card, so I can't add it to my account. Then it says I have a secondary cardholder. Which is definitely wrong. There should only be 1 cardholder and it's me. 
I would be great to hear back from someone with helpful answers. Thank you

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 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BCION, A DIVISION OF ION BANK
State: CT

Complaint narrative:
On XX/XX/21 I received an alert on my XXXX about a car loan, that I didn't authorize, sign for or give my consent for.B.C.I financial group .I called company and they said they would take off my credit report, due to the fact I didn't authorize them to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aspen National Financial, Inc.
State: PA

Complaint narrative:
Hi, my name is XXXX XXXX and no one has forced me to write this complaint this is of my own free will. I am writing that XXXX XXXX has violated me stated that if I paid this alleged debt they would remove the negative item off of my credit report. As I check my credit it is still reporting. This is my last time reaching out about this matter. If within the next 15 days this item is not removed I will report this information to the attorney general, XXXX, and the XXXX This company has lied and committed fraud and falsifying information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24 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: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2022-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was checking my credit score when I saw an inquiry from XXXX XXXX XXXX. I have not applied for new credit cards or cosigned for anyone. This was an unknown inquiry I would like to 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 2022-01-24 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have tried to correct my disputes with XXXX, XXXX, and equifax. I continue to have inquires on my account which do not belong to me, addresses which do not belong to me, accounts which do not belong to me. All THREE credit bureaus have failed to help me in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have tried to correct my disputes with XXXX, Transunion, and XXXX. I continue to have inquires on my account which do not belong to me, addresses which do not belong to me, accounts which do not belong to me. All THREE credit bureaus have failed to help me in a timely manner.

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 2022-01-24 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: VA

Complaint narrative:
I have tried to correct my disputes with Experian, XXXX, and XXXX. I continue to have inquires on my account which do not belong to me, addresses which do not belong to me, accounts which do not belong to me. All THREE credit bureaus have failed to help me in a timely manner.

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 2022-01-24 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: WA

Complaint narrative:
To whom it may concern, XXXX XXXX XXXX I have received a copy of my consumer report, i noticed late payments posted on my consumer report In reference to above account XXXX XXXX. Your company is in clear violation of the law by posting late payments. THE FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all late payments from the above account. I do not consent to XXXX or any automated means of verification.

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 2022-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
contacted capital one to resolve access to my account after i reported my cars lost/stolen in XX/XX/2021. They assured me they fixed the issue and new card would be sent out. 
Never received replacement card and customer serviced locked access to my online account!!!!

Month later i received statement of card and called immediately as it seems my card was never shut off and whomever got hold of it made charges to my card. and this is AFTER capital one said my lost card would be handled!!!! they failed to protect my sercurity and failed to lock card and issue replacement!!!! Negative impact on my credit report and still no access to account. had to fight for months to even get it off of my report and the costly time i have spent needs to be taken care of! it has cost me getting other credit loans and everything under the sun. thanks Capital one for your great negligence and carelessness for your customers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: GA

Complaint narrative:
Hello, I am aware that I am a natural person who has protected consumer rights. My consumer rights have been repeatedly violated. My personal information has been shared and used without my written consent. I did not give permissible purpose for the following accounts to appear on my consumer report : XXXX XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX account # XXXX. According to 15 USC 1681b ( 2 ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent. Be advised that I am filing this complaint for my self and have had no assistance from any third party. Failure to respond adequately will result in me taking legal actions against your company.

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 2022-01-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, I am aware that I am a natural person who has protected consumer rights. My consumer rights have been repeatedly violated. My personal information has been shared and used without my written consent. I did not give permissible purpose for the following accounts to appear on my consumer report : XXXX XXXX XXXX XXXXaccount # XXXX ( appearing three times ) and XXXXXXXX XXXX XXXXXXXX account XXXX XXXX. According to 15 USC 1681b ( 2 ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent. Be advised that I am filing this complaint for my self and have had no assistance from any third party. Failure to respond adequately will result in me taking legal actions against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Had Capital One card close to 2 years. Paid excellent and enjoyed the service and card. Then in XXXX they charged a {$39.00} annual fee. On a no fee advertised card. I immediately closed my account. I think I am not the only consumer that they do this to and the recover millions by people who either don't notice the annual fee charge and just pay it. XXXX XXXX Annual Fee:0 Credit Level XXXX {$3800.00} 0 % intro APR for 15 months ; 14.99 % - 24.99 % variable APR after that 0 % intro APR for 15 months ; 14.99 % - 24.99 % variable APR after that ; 3 % fee on the amounts transferred within the first 15 months {$0.00} EXCELLENT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
To whom it may concern, XXXX XXXX XXXX I have received a copy of my consumer report, i noticed late payments posted on my consumer report In reference to above account XXXX XXXX. Your company is in clear violation of the law by posting late payments. THE FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all late payments from the above account. I do not consent to e-oscar or any automated means of verification.

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