vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, XXXX, and Equifax have each violated the FCRA section 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] by failing to remove unauthorized and impermissible credit inquiries from my Consumer Credit Report. I did not give written permission nor consent to report the following credit inquiries ; XXXX XXXX, Equifax Mortgage Service, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX. As a consumer these unauthorized and impermissible Inquiries MUST BE DELETED IMMEDIATELY Or I will seek monetary damages in small claims court in my city and state. impermissible credit report access is a breach of your privacy because A third party has gained access to my sensitive and confidential information without permission or a legally recognized purpose. The FCRA section XXXX Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] Clearly states ; ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( XXXX ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I attended XXXX XXXX XXXX in 2006 and was forced to take out a private loan for the program I was enrolled in. The loan was for {$6000.00}. Through the years I have had difficulty and reinrolled in school. The balance has been over $ 13k for the last two years and never seems to go down. They have compounded more than 100 % interest twice what the loan started out as 15 years ago. I have asked if anything can be done only to get the run around. Navient are loan sharks. There is no way my loan will ever be paid. I keep paying and the balance never changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: TN

Complaint narrative:
I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Caddis Funding, LLC
State: NY

Complaint narrative:
A company based in North Carolina has contacted me about a XXXX XXXXXXXX XXXX account that is fraudulent. I have never had a businesses account in my life. I believe the account open sometime in XXXX, I never had a bank account in that time frame with XXXX  XXXX XXXX, I have been on social service and SSI since 2005, I did not ever have a buisness I lived at 2 different address at that time and never had a bill come to me at any of my physical address. I just found out about this account 13 years later?? Company involves CADDIES FUNDING LLC c/o XXXX XXXX XXXX XXXX XXXX, XXXX, SC,XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: TN

Complaint narrative:
I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Sir, Madam, I have an Experian account to monitor my credit scoring and other reports. I see that my credit card data is not showing anymore within my online account since XX/XX/2021. Before everything was fine and we have been working since long time to keep for more than 5 years excellent FICO score in between XXXX. I decided to call Experian and they said that I should myself talk to my bank, the XXXX XXXX, about the transmission issue. I tried also to enter in my accounts at XXXX  and XXXX  but there I'm now even refused any types of information on my myself and my credit histories. I then contacted on XX/XX/2021 XXXX XXXX to have them investigate on the case and I explained XXXX XXXX what I was told by the Experian operator. Today after more than 30 calendar days I'm still without any result or even an explanation from both the bank and the credit bureau ( XXXX XXXX and Experian ). 

XXXX on XXXX XXXX Account Statement, the monthly downloaded pdf e-document, I do not see my FICO score anymore as the section keeps blank now. 

I need my FICO score urgently back and up-to-date again as we are the process of asking an XXXX XXXX loan for our partnership. This is vital matter for the company. 

Thanks for your assistance in this issue. 
CP. 
NB : I've been a paid Experian client during 3 years.

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 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
The payment history is inaccurate. This account is in forbearance under CARES Act. The current status is all wrong. Please provide the date of last activity and the date of first delinquency. And update for legal accuracy.

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 2021-05-31 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: KS

Complaint narrative:
Spoke to Capital one on XX/XX/2021 and again on XXXX regarding Covid Hardship due to loss of income. My account was put on a financial assistance program which would defer my payments for 6 months. While i was on this program my understanding was that no late payments would be reported to any of the CB. I have pulled my credit report and they have indeed reported late pays for each month i have been on the program. I have asked for these to be removed however i have had still no response from the creditor or any of the cb.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE
State: GA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A company based in North Carolina has contacted me about a Bank of America account that is fraudulent. I have never had a businesses account in my life. I believe the account open sometime in XXXX, I never had a bank account in that time frame with Bank of America, I have been on social service and SSI since 2005, I did not ever have a buisness I lived at 2 different address at that time and never had a bill come to me at any of my physical address. I just found out about this account 13 years later?? Company involves XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX, XXXX, SC,XXXX  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 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Sir, Madam, I have an XXXX  account to monitor my credit scoring and other reports. I see that my credit card data is not showing anymore within my online account since XX/XX/2021. Before everything was fine and we have been working since long time to keep for more than 5 years excellent FICO score in between XXXX. I decided to call XXXX  and they said that I should myself talk to my bank, the XXXX XXXX, about the transmission issue. I tried also to enter in my accounts at Transunion and XXXX  but there I'm now even refused any types of information on my myself and my credit histories. I then contacted on XX/XX/2021 XXXX XXXX to have them investigate on the case and I explained XXXX XXXX what I was told by the XXXX  operator. Today after more than 30 calendar days I'm still without any result or even an explanation from both the bank and the credit bureau XXXX XXXX XXXX and XXXX  ). 

XXXX on XXXX XXXX Account Statement, the monthly downloaded pdf e-document, I do not see my FICO score anymore as the section keeps blank now. 

I need my FICO score urgently back and up-to-date again as we are the process of asking an XXXX XXXX loan for our partnership. This is vital matter for the company. 

Thanks for your assistance in this issue. 
CP. 
XXXX  : I've been a paid XXXX  client during 3 years.

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 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Sir, Madam, I have an XXXX  account to monitor my credit scoring and other reports. I see that my credit card data is not showing anymore within my online account since XX/XX/2021. Before everything was fine and we have been working since long time to keep for more than 5 years excellent FICO score in between XXXX. I decided to call XXXX  and they said that I should myself talk to my bank, the XXXX XXXX, about the transmission issue. I tried also to enter in my accounts at XXXX  and Equifax but there I'm now even refused any types of information on my myself and my credit histories. I then contacted on XX/XX/2021 XXXX XXXX to have them investigate on the case and I explained XXXX XXXX what I was told by the XXXX  operator. Today after more than 30 calendar days I'm still without any result or even an explanation from both the bank and the credit bureau XXXX XXXX XXXX and XXXX  ). 

XXXX on XXXX XXXX Account Statement, the monthly downloaded pdf e-document, I do not see my FICO score anymore as the section keeps blank now. 

I need my FICO score urgently back and up-to-date again as we are the process of asking an XXXX XXXX loan for our partnership. This is vital matter for the company. 

Thanks for your assistance in this issue. 
CP. 
XXXX  : I've been a paid XXXX  client during 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 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:
The payment history is inaccurate. This account is in forbearance under CARES Act. The current status is all wrong. Please provide the date of last activity and the date of first delinquency. And update for legal accuracy.

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 2021-05-31 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: FL

Complaint narrative:
The payment history is inaccurate. This account is in forbearance under CARES Act. The current status is all wrong. Please provide the date of last activity and the date of first delinquency. And update for legal accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The payment history is inaccurate. This account is in forbearance under CARES Act. The current status is all wrong. Please provide the date of last activity and the date of first delinquency. And update for legal accuracy.

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 2021-05-31 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: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
Peter Roberts & Associates has placed a fraudulent account on my credit reports.

XXXX  2021 I sent PRA a 93A Demand Notice informing them of : 1 ) their illegal reporting under their own name in violation of MA General Laws 209 CMR 18.17 : Unfair Practices ( 11 ) and 940 CMR 7.07 : General Unfair or Deceptive Acts or Practices ( 15 ) and ( 21 ).

2 ) Requesting validation of debt as I had no knowledge of this account 3 ) Requesting proof of ownership of the account as I have never heard of this company before PRA Failed to reply to my 93A Demand within the mandatory 30 day period. 

I sent a second 93A Demand notice XX/XX/2021 informing them of their multiple state and federal violations including attempt to collect upon a debt not validated, failure to inform me of my rights as a Massachusetts Consumer and failure to inform me of the debt in general before placing it on my credit report. 

PRA replied XX/XX/2021 with a three sentence statement claiming the alleged debt was " valid ''. They failed to provide any proof of their claim, they failed to provide proof of ownership of the account. They removed the account from my XXXX  and XXXX  reports however they continued in their reporting to XXXX  and continued to attempt to collect upon the account. 

XX/XX/2021 I sent a 3rd and final 93A Demand Notice cc'ing the Attorney General 's Office of their federal and state violations. PRA replied to this notice with a refusal to investigate or provide any validation. 

To date : no validation of the alleged account has been provided, PRA continues to report under their own name on the credit bureaus, they have continued to attempt to collect upon a fraudulent account and they have refused to investigate further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One Bank XXXX. XXXX  XXXX XXXX, VA XXXX XXXX XX/XX/2021 Capital One Response CFPB case XXXX InReCapital One Case XXXX Referencing complainant 's Account ending in XXXX previously ending in XXXX. 
NOTE The referenced account is the ONLY account which complaint has filed for action on. 
However, without specifying my Capital One 360 Bank Card ending in XXXX Capital One deceptively responded with the following -abridged- statement We found no errors in the servicing of your account therefore we respectfully decline your request for compensation. 
This response is from the Capital One Customer Advocacy Office XXXX XXXX When I telephoned this office I was informed that my account was in arrears. 

I am interested to know what if any independent conclusions were arrived at by the FR agent assigned to investigate my complaint and whether my submitting proof of my identity to Capital One Bank SIX times impacted their decision. If YES - How, If NO Why not?

Company response to consumer: Closed with explanation