vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$420.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$640.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$640.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$420.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$640.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$640.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 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 2023-09-14 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
I have previously submitted a complaint through CFPB, number XXXX. As of this date my complaint has not been resolved. I have not done any business with or requested any extension of credit from : XXXX Dated : XXXX ; or XXXX XXXX Dated : XXXX ; or XXXX XXXX Dated : XXXX. These inquiries are a violation of my consumer protection rights. I am attaching an FTC Report and I.D . documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit 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: TX

Complaint narrative:
On or around XX/XX/2023 my capital one Quicksilver credit card ( ending XXXX ) was Unauthorized charged multiple times online and in store. ( Total amount around {$660.00} ) I reported the fraud transactions to Capital One and without any investigations or proof of their investigations they denied my claim. 

I am not willing to pay a single XXXX towards these Fraud Charges since I did not make these. 

Please assist me in resolving this and ask Capital one to provide proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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. 

Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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. 

Account Name : XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-14 00:00:00
Product: Credit reporting 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: IL

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Money Management International, Inc.
State: MI

Complaint narrative:
On XX/XX/2023 I enrolled in a debt management program ( DMP ) with Money Management International ( MMI ). I included 3 XXXX XXXX credit cards in the DMP. two of the card 's due dates were XXXX and the other was XXXX. before enrolling in the program I advised my counselor XXXX that I would not make the payments for XXXX since I was enrolling in the program. He stated that would be fine because the creditor would receive the payment from MMI in XXXX. I had no idea that MMI would not send the payment to XXXX XXXX until the XXXX of XXXX. I also had no idea that because they were sending the payments so late after my due date I would become overdue with my payments and that I would be reported to the credit bureau as 30 days late with my payments. The purpose of enrolling in the DMP was to protect my credit not to destroy it. This has caused my credit score to drop. I have made several calls to MMI the people are not knowledgeable at all. No one wants to assist me. I was told by one rep at MMI to change my due date with the creditor unfortunately I can not do that because the account is closed. I feel like I was not presented with all of the information that I needed when enrolling in the DMP. I've asked to speak with a supervisor and no one has called me back. This is extremely frustrating. I had to make an extra payment of {$130.00} on today to bring all three cards current.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
My parent burned down on XXXX last year Apple spoke about hardship program but none was applied even tho my reason to call was to ask help. The bank changed the address too many time to vague address. Was advised to pay off my account and re apply rather to re open the account since my Apple XXXX was compromised. Today I was adviced to re apply twice. Already explained the bank the need to rectify my info or verify it, rather they said apply again 30 days from now when they know there need to verify my info since my credit is locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Nicholas Financial Inc.
State: SC

Complaint narrative:
XX/XX/XXXX I purchased a XXXX XXXX XXXX  was {$11000.00}, after finance it was {$14000.00} and I put down {$1700.00}. I had the vehicle for 27 months on a finance for 36 months. I paid {$450.00} a month for 24 months and were arguing with them for 3 months about the vehicle warranty which was a scam also. I totalled lost the car after XXXX, paid {$12000.00} on the loan. My insurance company paid {$2800.00} which I owed and Nicholas financial hit me with a repossession and said I owe them {$7500.00}. This company has 56 listed complaints in 3yrs and they sell all there debt to XXXX XXXX XXXX. They are in a scheme together robbing people out of there money and needs to be stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Bridgecrest refusal to supply complete validation request ( supplying only contract in question ). Contract not bearing my signature nor have I been provided detailed information request showing confirmation of esignature as well as other requested documentation to be send via MAIL. Notice of Dispute have not been reported correctly to CRAs and continuance of inaccurate reporting. I have requested particular transcripts that I have not been supplied with as well as I have not been supplied with security asset filings as requested. I have attempted to reach out to specialist that handles these matters with no response ( XXXX XXXX XX/XX/XXXX ). I have sent certified mail for these request starting ( XX/XX/XXXX ) with no answer to certified letter request ( validation of account, notice of dispute, cease and desist of defamatory actions )

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 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: NM

Complaint narrative:
Order of Events XX/XX/2023 : 1st Notice I endorsed the bill and sent along with a Letter of Instructions - Re : Claim of Credit, which was sent to the billing department located at : Navy Federal, XXXX XXXX XXXX, XXXX, VA XXXX. 

USPS Certified Tracking XXXX XXXXXXXX ( delivered on XX/XX/2023 ) A copy of the endorsed bill was also sent to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Claim of Credit, a notarized Power of Attorney, and a copy of the Federal Reserve Act Sec. 16, Part 1 & 2. 

USPS Certified Tracking XXXX XXXXXXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : 2nd Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Opportunity to Cure, a copy of the Federal Reserve Act Sec. 16 and Sec. 29, and included a copy of the delivery confirmation from USPS of the 1st Notice. 

USPS Certified Tracking XXXX XXXXXXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : XXXX Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Default of Notice, a copy of the Federal Reserve Act Sec. 29, and included a copy of the delivery confirmation from USPS of the 2nd Notice. 

USPS Registered Mail Tracking XXXX XXXXXXXX ( delivered on XX/XX/2023 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian + XXXX XXXX. 

Please see attached. 

I am being removed as an authorized user, as well as it being removed from my credit report, for the XXXX XXXX credit card.

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 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
XX/XX/XXXX a credit card was opened in my name without my knowledge or consent. I got an alert from a credit bureau. I contacted Bank Of America and notified them of this and they still mailed out the card to the identity thief and the card was used several times. Continued to get alerts and updates from a credit reporting agency ( experian ) that purchases were continuously being made in my name with this Bank of America issued credit card. I then had to call back to Bank Of America to notify them of this and ask them to shut the card down. After that there were several successful attempts by the perpetrator 's to open credit lines and checking accounts in my name after me notifying Bank Of America by phone several times from XX/XX/XXXX to XX/XX/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 non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I sent another dispute letter XX/XX/23 because insufficient evidence was provided for verifying the debt and the collection agency sent a threatening email attempting to collect on a debt currently in dispute and my original letter specified I only wanted communication by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-09-14 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
Please delete these accounts as they are fraud. I have included the identity theft report. Please also remove the fraudulent inquiries and update my address to XXXX XXXX XXXX XXXX XXXX GA XXXX. 

Fraud Accounts that should be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief