vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I am closing on a home in 5 days and i am unable to obtain a loan from the bank because of negative reported items on my credit report. Based on the 15 U.S. Code 1681 all fradulent & negative reports should be removed from my credit report immediately. There should not be any damages on my credit report that is a defamation of character & i will would for this to be fixed immediately so that i am able to close on my house in 5 days.

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 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I am closing on a home in 5 days and i am unable to obtain a loan from the bank because of negative reported items on my credit report. Based on the 15 U.S. Code 1681 all fradulent & negative reports should be removed from my credit report immediately. There should not be any damages on my credit report that is a defamation of character & i will would for this to be fixed immediately so that i am able to close on my house in 5 days.

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 2023-11-17 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: CO

Complaint narrative:
My husband tried to book a hotel reservation with the hotel but instead got a fraudulent company call XXXX XXXX. They charged us {$860.00} for a reservation and rooms immediately. 

We disputed the charge with Cabelas Capital One Credit Card. They removed it. 
XXXX XXXX sent Capital One documents they had made up. Capital one reapplied the charge. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, provided us with a statement on their letterhead saying they have no business relationship with XXXX XXXX and that the company is fraudulent. 
Captial One declined to remove the charge. 
XXXX in wrote another letter on letterhead saying that the reservation we were charged for never existed and that XXXX XXXX did not give them the money for the hotel room. We had to pay again when we stayed there. 
Capital One still would not take off the charge. 
Capital One then sent us a letter saying that our documents were not sufficient, and the dispute case was closed. 
I called again and threatened to contact the FTC and close all my accounts.

Capital One then withdrew the charge and only then.

I spend 12 hours writing letters, calling, and collecting documents to get a clearly fraudulent charge off of my bill. 
My complaint is with the Capital One Credit Card dispute process. 
When I tried to talk to Capital One, the representative only read me canned statement and really did not understand or respond to the fact of the fraudulent charges. 
When the business where the reservation was supposedly made documents that the charge was fraudulent, how can Capital One justify refusing to remove it??? 
The Capital One dispute department is not honoring the federal requirement to remove fraudulent charges. The service is provided by scripted comments and woefully inadequate. Capital One is violating FTC rules by making it time consuming and nearly impossible to get a large fraudulent charge removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXC on behalf of Toyota Financial Services XXXX entered my property without my consent, I had to jump out of my first floor window not knowing what was happening, I told the agent that he couldnt take my vehicle because it already has been paid in full and that I had no knowledge of the repossession taking place. Toyota Financial services has been receiving Legal tender payments since XX/XX/2023, but have refused my payments but has also failed to return payments. They have refused to provide the requested information. I was told by XXXX Agent that if I didnt hand him the key, my car was going to be taken out of state and I felt forced to give him the key to my vehicle but I was not able to take out my personal belongings due to the car already being on the tow truck. Toyota financial services was also provided with a UCC 11 search that proves they never filed a financing statement but still claims to be the owner of my vehicle. Toyota Financial services is in violation of MA General Law UCC 9-506, UCC 9-611 , UCC 9-612, UCC 9-613. Toyota Financial Services also failed to acknowledge that the vehicle was purchased for personal reasons and it could not be repossessed prior to court hearing as stated in the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
An account was opened fraudulently under my name and goods were purchased using my personal information without my consent. Ive asked for proof for I have not received any goods nor have knowledge of the purchases. Im a victim of identity theft and my accounts were misused. Ive submitted requested documentation from the bank themselves and have mailed them the same corresponding documents sent to the credit bureaus.

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 2023-11-18 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: FL

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.

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 2023-11-18 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:
These disputed accounts were open fraudulently : XXXX XXXX XXXX XXXX {$4000.00}, SELF XXXX XXXX {$120.00}, XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX Direct TV {$510.00} XXXX XXXX XXXX Bank XXXX not XXXX XXXX but this account is reporting twice. I have filed an ID Theft report with the FTC, disputed these accounts with the credit bureaus and added security freezes with : Equifax, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX and XXXX, to prevent further fraud. I received no response from my disputes sent to Equifax, XXXX XXXX and XXXX XX/XX/2023. I sent a follow up dispute to the credit bureaus again XX/XX/2023, this time I received only an online " dispute results '' from XXXX and said these accounts were " Verified as accurate, '' with no consumer contract or evidence that under the FCRA that this account was open by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: IL

Complaint narrative:
These disputed accounts were open fraudulently : XXXX XXXX XXXX XXXX {$4000.00}, XXXX XXXX XXXX {$120.00}, XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX  {$510.00} XXXX XXXX XXXX XXXX  XXXX not sure amount but this account is reporting twice. I have filed an ID Theft report with the FTC, disputed these accounts with the credit bureaus and added security freezes with : XXXX, Experian, XXXX XXXX, XXXX, XXXX, XXXX XXXX and XXXX, to prevent further fraud. I received no response from my disputes sent to XXXX, XXXX XXXX and Experian XX/XX/2023. I sent a follow up dispute to the credit bureaus again XX/XX/2023, this time I received only an online " dispute results '' from Experian and said these accounts were " Verified as accurate, '' with no consumer contract or evidence that under the FCRA that this account was open by me.

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 2023-11-18 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: FL

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.

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 2023-11-18 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I Was XXXX From XX/XX/XXXX Until XX/XX/XXXX And I Have Provided Proof Of That FACT I HAVE Sent A Copy Of My Release Papers FROM THE FEDERAL GOVERNMENT And A Police Report Stating The Facts That I Am A VICTIM OF IDENTITY THEFT

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 2023-11-18 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are address that I do not recognize.There are Different variations of my name that are not mine. 

My only legal name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Equifax Information Service LLC, This company is violating the Fair Credit Reporting Act with bad business practices. 

XXXX XXXX XXXX is reporting two incorrect and inaccurate accounts to Equifax. ( XXXX ) XXXX # XXXX. And a balance of {$2000.00}. ( XXXX ) XXXX # XXXX. And a balance of {$2700.00} the second account ending in XXXX is a public record account a judge has made a decision on that account, I have attached the judge decision letter, Equifax policy is not to report public records but they violate their own policy which is not law, I have sent multiple dispute for these to accounts but Equifax verify these accounts as VERIFIED without sending me a copy of a contract with me and XXXX XXXX, I stated that I never give XXXX XXXX  any permissible purpose to obtain my information XXXX XXXX bought or stole my information without my consent using it to cause me and my family harm, While Equifax is in compliance with XXXX XXXX  to damage my credibility. EQUIFAX failed ignore and denied my request as a consumer when I asked for a written contract or a oral contract or transaction history or a video surveillance to proof that I owned XXXX XXXX for any loan. According to the FCRA U.S.Code-1681b and according to Privacy Act of 1974, as amended,5 U.S.C. 552a Equifax close the window on these laws and violate my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In Accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681, section 602, states I have right to privacy. 15 USC 1681, action 604 A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment in a credit card account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 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: TX

Complaint narrative:
Please view attachments. Lender is hereby notice that they have 72 hours upon receipt of this notice to enter a rebuttal. Failure to enter a rebuttal means that the lender admits to having no claims to this account and thereby forever release clams against the borrower.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 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: TX

Complaint narrative:
Please view attachments. Lender is hereby notice that they have 72 hours upon receipt of this notice to enter a rebuttal. Failure to enter a rebuttal means that the lender admits to having no claims to this account and thereby forever release clams against the borrower.

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 2023-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There is an unauthorized inquiry and an unauthorized address on my credit report. I have attached a ftc report that shows an unauthorized inquiry and home address.

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 2023-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was paying my loan for many years never missed a payment. I was suppose to get My loan forgiven It never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
multiple reports on Fake addresses

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are address that I do not recognize.There are Different variations of my name that are not mine. 

My only legal name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are address that I do not recognize.There are Different variations of my name that are not mine. 

My only legal name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Hello, I am XXXX XXXX, and WestLake company is a fraud company. I never signed any agreements with this company. I never applied for an auto in the amount that theyre saying I owe. I lease a car from American Car Center. I put down XXXX XXXX on a XXXX that value price was {$11000.00}. American Car Center went out of business, and West Lake is charging me XXXX dollars, for an XXXX dollar car that I put {$1700.00} down on. Its illegal for them to put that much percentage on a vehicle that I didnt sign an agreement with them on, and not only that, but I did not take out an auto loan for. They have also seized the property, and auctioned it off. Why am I being charged XXXX for property that they seized, and sold.

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 2023-11-18 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: FL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18 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: WI

Complaint narrative:
This is my multiple request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; Child Support Date Filed/Reported : XX/XX/2023 Reference # : XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My Synchrony paypal card was closed and now I can't access my previous statements

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