vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-15 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: CA

Complaint narrative:
Hello, my name is XXXX XXXX, I am a victim of identity theft. I previously submitted my identity theft report with fraudulent activity and now am continuing to still see fraudulent inquiries. This is very upsetting, please remove these inquiries from my credit report within 4 business days. 





Fraudulent Inquiries : COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX  XXXX XXXX INQUIRY DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX XXXX DATE : XX/XX/2023, COMPANY NAME : XXXX XXXX INCINQUIRY DATE : XX/XX/2023 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of {$2900.00} from my Capital One account to the scammer. 

On the morning of XX/XX/2022, I was scrolling through my email and read that the XXXX XXXX had automatically renewed their protection plan for {$340.00}. However, if I didn't want to renew the protection plan, I should call their XXXX number to cancel. I called the XXXX number and spoke with XXXX XXXX ( XXXX  )XXXX XXXX asked me to open my computer, and allow him to connect his computer and banking system to mine in order for him to replace the {$340.00} deducted from my account. When it came to the prompt, I was to type in the amount deducted from my account. Unfortunately, my fingers quivered and I accidentally typed XXXX. At which point XXXX  went into his act, because he couldn't correct the mistake, the money was already transferred and he was going to be fired, I could be charged for bank fraud due to overage of payment, his family was going to suffer, etc. His accent was that of the XXXX XXXX, but he claimed to be a hardworking and honest XXXX man, who would never lie to me. ( According to bank records, the money never appeared in my account. The only time it showed up was when XXXX  linked up with my account. ) I offered to write him a check for the overage but XXXX  said I couldn't do that because our accounts, mine and his, were frozen until I paid the overage. XXXX  told me the way to pay back the overage was through the purchase of gift cards at pharmacies or stores. XXXX  directed all my purchases at every store by card types and amounts. I purchased cards in {$50.00}, {$100.00} and {$500.00} amounts. The various gift cards included XXXX XXXX, XXXX and XXXX. 

I questioned him on the amounts I had given him several times because I felt sure I had more than repaid the amount owed. XXXX responded to my questions by saying many of the cards were not properly activated. He also couldn't tell me the amounts I had given because it took time to process the cards. XXXX  also gave me his desk phone number ( XXXX ) XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-15 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-16 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: SC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

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 2023-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I opened a CareCredit card due to illness, the approved {$5300.00}. The balance I had left was {$700.00} and on XX/XX/XXXX I was charged more than {$1400.00} on interest over the whole amount not just the {$700.00} I had left, which is outrageous! This company is scam, I spent more than {$5000.00} and my physical pain has double due to this excessive amount of interest I'm being charged!

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 2023-05-17 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: NY

Complaint narrative:
Account was only late on XX/XX/2022, he rest are falsely recorded. 
This company needs to be investigated! Very bad practices and very unethical.

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 2023-05-17 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: NY

Complaint narrative:
Account was only late on XX/XX/2022, he rest are falsely recorded. 
This company needs to be investigated! Very bad practices and very unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: NY

Complaint narrative:
Account was only late on XX/XX/2022, he rest are falsely recorded. 
This company needs to be investigated! Very bad practices and very unethical.

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 2023-05-15 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: OH

Complaint narrative:
The education loans have been completely discharged and should not be reporting over XXXX times.

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 2023-05-15 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: CBC Companies, Inc.
State: OH

Complaint narrative:
The education loans have been completely discharged and should not be reporting over XXXX times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Today XX/XX/XXXX I was notified that a Capital One Affiliated Credit Card Account had been closed, causing my credit score to drop XXXX POINTS from XXXX - XXXX. The name of the account is KOHLS Department Store account with a credit limit of {$2000.00}. When I contacted Kohls, it was due to inactivity. It is their policy to close store accounts for inactivity within 36 months. However, I have used my account within 36 months. Kohls has not issued a new card since the old one expired, and I have accessed my account by using my drivers license at the point of sale register and social security number. I requested a call back from the supervisor, and within the hour, a supervisor called and CONFIRMED that there was activity on XX/XX/XXXX, within the 36 month time frame, a payment of {$17.00}. But they have no PURCHASE INFORMATION BUT A PAYMENT INFORMATION!!! WHen asked, if you have a payment, then there must have been a purchase. I think the payment system is recording differently for card usage and when you access the account using the drivers license. When I asked, so why was my account closed, the supervisor identified as XXXX for Kohls, had NO EXPLANATION and stated there was nothing else she could do and even if the account wad closed in error it could not be reopened. XXXX, XXXX supervisor called and reiterated the same. The only other recourse was to reapply, which would cause a hard inquiry on my credit score, causing my credit score to drop even further. 

Closed Kohls account # XXXX This is no coincidence. 

Less than six weeks ago, Capital One, the bank which is affiliated with Kohls, I made complaints XXXX and XXXX, in which they had to remove negative information off of my credit report and retaliated by putting negative and unwarranted information when I voluntarily closed the credit account. I do not believe in coincidence that a Capital One affiliated card would just arbitrarily close an account for no reason, in violation of their own policy of no activity within 36 months, causing negative reporting on a credit score and then forcing me to reapply to the store, which would then cause a hard inquiry on my credit score, dropping it even further. 

It is XX/XX/XXXX and NOTHING HAS BEEN SUBMITTED IN WRITTING REGARDING THE CLOSING OF THE ACCOUNT. I HAD TO RESEARCH THIS INFORMATION ON MY OWN. THIS ACCOUNT WAS CLOSED ON XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: MD

Complaint narrative:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 the credit reporting agencies didn't make sure it was reporting 100 % correct. 

In accordance witht the Fair credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 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 2023-05-15 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 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: IN

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

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 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 non-monetary relief
Consumer complaint received 2023-05-15 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: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX, my and I traded in our vehicle and contacted Santander to request the payoff. We received the pay-off information and submitted the check. XXXX XXXX, a representative for Santander that works in the accounting department was informed that my wife and I would be sending the check to pay-off our vehicle loan. 

The check was mailed on or about XX/XX/XXXX. Santander received our check and processed it. My wife and I attempted to purchase a vehicle three weeks ago and were informed that Santander reported the vehicle installment loan as a " charge-off! '' We have evidence supporting our claim that our check was processed and received by Santander. We are requesting that Santander remove the inaccurate reporting from our personal credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: CT

Complaint narrative:
I have items on my consumer report that are not mines or account status is Incorrect I have family memeber who have the same names as me I also have submitted documentation to show where errors are on my report I recently found out that I was involved in Equifax data breach as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Never received notice of collection nor proof of debt/breakdown of fees. Disputed w credit bureaus but never received response for request of debt validation. Has caused extreme damage to credit report. I want proof of debt including all names of contact, dates, what was sent and to whom & also written contract that states this can be reported.

I consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1.Account Name : rent recovery solutions Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
Math error can not afford payments with math error. 

You will see correct payment after escrow was paid in full of {$1000.00}, they took payment {$950.00} XX/XX/XXXX  ( which is supposed to be {$870.00} ) overage of {$62.00} and minused it from {$1000.00} ( which I paid in full ) then acted like I never paid XXXX  and say now my escrow balance is XXXX  ( because of the overage I paid of {$62.00} and are dividing THAT into 12  months. So it equals identical amount of the correct cost of XXXX  + XXXX  into XXXX. 

Last explaination they told me was they ran escrow 3x and when then ran escrow again in XX/XX/XXXX they said the system said Id be short {$950.00} for NEXT year. ( which isnt true because the math I did was exactly matching what I said. ) I said even if so my insurance paid XX/XX/XXXX and you cant jump ahead and just keep running escrows. I said when I paid escrow of XXXX  it was approx 5 days after you told me my shortage. You just cant rerun to say I owe more 2 months after the fact its done once a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I was on my way to work inside my car and tried to purchase an item that some XXXX men were selling T-shirts. I did not have the correct information to complete the report, and a XXXX  man snatched my phone, and by the time he gave it back to me, he had changed the dollar amount from {$20.00} to {$200.00}. I pulled my car over and reported it to the police, but he said he could not do anything and to go to the police station. I went today, and they were closed, but I filed online today. I called the company CashApp I was told to use their portal. I called my bank. The amount was {$200.00}, but I still have the shirt, so I lost {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15 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: GA

Complaint narrative:
Good Afternoon, On multiple occasions ( too many to remember dates ), I have contacted Equifax regarding inaccurate information on my credit report. On each occasion, I would get generic letters reporting the information was " verified '' and it will remain. On each occasion, I have requested the submissions of the documentation used to verify the investigation and do not receive a response. 

I later went through other sources to have my request reviewed. I went through XXXX XXXX. XXXX is a provider of bankruptcy information. Through XXXX 's " two investigations '', they could not verify the report 's accuracy or the information they have and submitted me a letter on letterhead documenting that it was removed from the file ( Bankruptcy Case # XXXX ). 

I later submitted this same information to Equifax for review ; once again they have failed to acknowledge " documentation ''. 

Therefore, Im requesting your company 's assistance in this matter. 

No, Im not submitting any additional documents, address, phone numbers, social security, letters or etc. You should already have that information ( Equifax ). I need copies of the documents you claim to use to verify for review only.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Company stated that it would provide a detailed bill in it's response but there was no detailed bill or any other information that will help me identify the debt in question. And they didn't provide the steps that the CFPB asked to do when the complaint was submitted. this violate my consumer rights. I am denied that allegedly bill belong to me and I request to remove this collection from my credit reports immediately.

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