vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
upon receiving message that my application for credit was supposed declined. I realized that I had not applied for credit for maths now. So I reach out to the company a I was told that they have no record of me aplyibg for credit. but next day there it was on my report. 

So I called the bureaux ( obviously pointlessly ) since the bureaus are compliant with the scammers out there and there's no checks and balances clearly.. 


anyways. the bureaus shrugged off and told me to complain to FCBP so here I am now I also went to the same company west site and simulated a new credit application... but I didn't use my name. I used a same name but scramble the word XXXX and change the last name. and as social security I literally used XXXX that how much of a joke that was. 

guess wha ... same thing I got a hit as hard inquiry win my report with indicates. all the disputes on my report are wrong and I demand them to be removed and deleted completely this is absurd and should not happen .. Im recording phone calls emails a and letters.. 

I'll will litigate in court and believe me .... will be stressful for all parties involved .... 

please and thanks ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: OneMain Finance Corporation
State: IL

Complaint narrative:
upon receiving message that my application for credit was supposed declined. I realized that I had not applied for credit for maths now. So I reach out to the company a I was told that they have no record of me XXXX  for credit. but next day there it was on my report. 

So I called the XXXX  ( obviously pointlessly ) since the bureaus are compliant with the scammers out there and there's no checks and balances clearly.. 


anyways. the bureaus shrugged off and told me to complain to FCBP so here I am now I also went to the same company west site and simulated a new credit application... but I didn't use my name. I used a same name but scramble the word XXXX and change the last name. and as social security I literally used XXXX that how much of a joke that was. 

guess wha ... same thing I got a hit as hard inquiry win my report with indicates. all the disputes on my report are wrong and I demand them to be removed and deleted completely this is absurd and should not happen .. Im recording phone calls emails a and letters.. 

I'll will litigate in court and believe me .... will be stressful for all parties involved .... 

please and thanks ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX and XXXX upon my search I found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) method of verification- description of reinvestigation procedure. I have recurring collection that has been reported and asked to be removed several times. This XXXX XXXX XXXX has been unlawfully requesting {$100.00}. The account number ends in XXXX. I also have an inaccurate balance of {$4500.00} with XXXX at XXXX ( Hunter Warfield ). This company is reporting a false and inaccurate debt amount. The account number ends in XXXX. I would appreciate it if both of these accounts could thoroughly be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
We are late on the payment and Ally Finacial called my wifes ex husbands Wife to attempt to reach us. She is not family or next of kin and this is a violation of privacy to involve someone such as an ex-spouses new spouse who we do not associate with. Dont even know how they got her number in the first place. Ive been married to my wife for 17 years and shes been divorced from her ex since 2000. They never had a loan together with Ally, and for them to reach out to people who arent even family is absurd. When you attempt to talk with Ally Finacial you get a foreigner who barely speaks XXXX. I feel our rights have been violated.

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 2022-12-12 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX  # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-12 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, and 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account Santander Consumer USA, # 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 an account without my written instructions. 

Total amount also was increasing as loan was being paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have my mortgage with ShellPoint Mortgage Servicing. I make my payments on time every month through automatic ACH withdrawal. For the month of XXXX, they failed to apply my payment on time which then caused a waterfall of issues that now have hit my credit report. When i initially spoke to them on XX/XX/XXXX, the indicated that they identified the issue and sent a request to correct the issue and apply the payment. They also indicated that this would not impact my credit report. On XX/XX/XXXX, i started getting notifications from all of my credit monitoring software apps indicating that there was a change in my XXXX XXXX. Come to find out that Shellpoint did report this to the credit agencies as a late payment in contradiction to what they said they would do. When I contacted Shellpoint again on XX/XX/XXXX, I was told that they could see that there was an error and that I would not have to do anything. The rep that I spoke to indicated that he would send a request to have my credit report updated. I called back on XX/XX/XXXX to check on the status and spoke to a rep that told me that i had to send a request in writing to correct this error ( which was their fault to begin with ) and to have my credit file updated. After XXXX minutes of arguing with this person that I should not have to work so hard to get their mistake corrected, he indicated that the system was just updated to show that they sent the request to have the file updated. I asked to speak to a XXXX and of course XXXX was not available, but the rep I spoke to stated that " XXXX '' would call me back in XXXX hours later. Of course that did not happen, so I called back in on XXXX and asked to speak to a XXXX, once again XXXX was not available, but someone named XXXX XXXX was going to call me back. The level of incompetence and unwillingness to solve a problem that they created with any sense if urgency is dumbfounding. I am in a personal situation where my XXXX XXXX is critical, and I have spent my entire life paying my bills on time to maintain an above XXXX XXXX XXXX and for this mistake to tarnish it, with no regard to a sense of urgency to get it fixed is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Someone attempted to open a TD Bank/target card in my name today XX/XX/22. They stated that they denied the application. I want it on record that this be removed from my three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022 at approximately XXXX I was unable to access information on a transaction dated XX/XX/2022 for {$690.00} payable to XXXX XXXX XXXX XXXX as depicted on my ledger. I called customer service at USAA and spoke to XXXX XXXX employee # XXXX ) The USAA associate instructed me to upload my State ID online at www.usaa.com/identity for a verification process. This is not the standard secured website with multiple authentication processes, but a standard website without any security protocol. I'm concerned with the validity of the website provided plus the fact they can not provide any information on my account until the ID is reviewed. The process to review the ID per www.usaa.com/identity is 3 days. Meaning that if my account was to get hacked, or if I noticed unusual activity I wouldn't be able to report it until after the verification process. It's a very vulnerable situation as a consumer. USAA claims and uses as a shield that this is part of The Patriot Act. Is this true? My account with USAA is XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
I have sent several letters to have these collections removed XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX {$390.00} Cavalry Portfolio {$920.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have sent several letters to have these collections removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: TN

Complaint narrative:
My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person

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 2022-12-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
In XX/XX/2022 I purchased a XXXX cutter from XXXX using the Kohls  charge card for {$290.00} plus tax as a birthday gift for family member. I also received {$60.00} of Kohls cash which was never used. I paid the Kohls credit card minimum payment in XXXX for {$70.00}. In XXXX I returned the XXXX XXXX, unopened and sealed via XXXX providing a return label that was provided.I didn't think much about it and figured I would have a credit on my Kohls charge card since the return would have put me the account in a negative balance. I contacted Kohls in XXXX when I received a bill for over {$500.00} to include late payments and the cricut cutter. I communicated the items was received by Kohls and confirmed by XXXX. I stated via phone and multiple letters the name of the employee is annotated on the XXXX delivery receipt is " XXXX '' and provided a tracking number showing the item is confirmed as delivered. I have called and written letters to Kohls because my balance remains over {$600.00}. The balance should be negative. Kohls charges me late fees, on top of interest for an item that was returned. In addition they have reported my payments as late to the credit bureau for XXXX XXXX. Not only does Kohls want me to pay a {$600.00} balance but I do not even have the item. MY return label clearly shows the package was received, as well as the employee 's name who received the return. I have battled with Kohls for over XXXX months, which is plenty of time for the company to figure the disconnect in their return center. NOt only does Kohls need to credit the return but I would like them to credit the late fee 's since I should never have carried a balance. In addition to updating the reports to the credit agency. No other charges were on the Kohls credit card except the item I returned. I am already out {$30.00} cost to return the item but this cause havoc on my credit report. I will attached the XXXX shipping labels and confirmation of the return. At this point I dont 'even care if they cancel the card, as I will never spend another dollar at Kohls again XXXX The amount of time I have spent to correct their mistake only to have the issue remain is a blatant disregard for customer service. I do not feel I am asking anything unreasonable. I am simply asking Kohls to properly credit the return. I should not have to pay a credit card bill and late payments for an item that was returned months ago. I admit the first XXXX late payments I was unaware of, because I had reasonably expected them to credit the return. As a result, there was no indication that I owed a balance since to my knowledge the credit would have resulted in a {$60.00} credit from the previous payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am attaching a approved police report it will summarize the information on the situation under cards used fraudulently both coming from Barclays, XXXX XXXX and XXXX

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 2022-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
I have no knowledge of this account. My identity was stolen in 2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
Request a debt validation letter and recieved today. Notice the balance from the hospital is less that balanced owed in letter. Noticed the letter stated the account balance. My periodically increase due to the addition of occurred interest as provided in the agreement, with the original creditor are as otherwise prohibited by law. 

This is a medical debit without a judgement they can not legally charge interest in the state of XXXX  called and asked them to remove Intrest and they said they would contact thier client XXXX XXXX or they could waive the intrest if I paid the balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to you to delete the following information in my file.The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit.please delete the items as soon as possible.

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 2022-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
I have been trying to get Nationstar Mortgage to return insurance claim proceeds for 7 weeks, and they keep delaying and abusively putting me off. I have repeatedly called and requested a status, and am told it is in review and that they will get back to me in 5 business days. After getting this same answer several times I have requested to talk to a supervisor, and the customer service representative said they would have a supervisor call me back in 48 hours. I have not received any of those promised callbacks. 
The company is currently holding {$99000.00} of my funds that I received from XXXX XXXX XXXX as the result of a lawsuit settlement. They received these funds on XX/XX/XXXX. 
I had already passed my " final inspection '' by Nationstar Mortgage on XX/XX/XXXX that qualified me for release of all funds. There is no reason for them to be holding my funds but they refuse to release them. Twice they requested additional information : 1. On XX/XX/XXXX they requested an updated Adjuster 's Worksheet. I explained that they already had it, but to avoid any delay, I went ahead and resubmitted the document to them. They received the document on XX/XX/XXXX. 
2. After much back-and-forth, they then said I needed to submit a copy of the legal documents from the lawsuit. They had no reason to ask for these documents and had no right to them since I had already passed " final inspection '' but I sent the documents anyway. They received these documents on XX/XX/XXXX.

Company response to consumer: Closed with explanation