vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Kikoff Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I contacted Kikoffs customer service department to let them know I had unauthorized charges on my checking account, in the amount of {$490.00}. At that time I asked if they offered a 10 day provisional credit if a decision or not to be made by then. The representative had told me yes. Two weeks went by and I still have not received a decision nor my credit. On XX/XX/XXXX I called customer service back and asked about my credit, and they proceeded to say they do not offer credits and since they are not the correct department, they could not help me. On XXXX I received a response by email from the support department and they said that it was still being investigated to give to them 60 days and to call the number on the back of my card if I had any other questions. I tried calling a couple more times, to see about getting a credit and each time I was told no. They said they do not fall under regulation E policies, therefore no provisional credit. If you look at my bank statement, their policy states if we take more than 10 business days to do this, we will credit your account for the amount you think is an error so that you were home for use of the money during the time it takes us to complete the investigation. So per kikoffs policy I was supposed to receive a provisional credit in the amount of {$490.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One sends printed credit card promotional offers through the mail. 

Capital One says on the materials that Capital One supports information privacy protection and directs consumer to see Web site at www.capitalone.com. 

I went to the website. The information provided does not address how to opt out of printed mail offers. The information seems to only address electronic marketing channels.

I found the website was not easy to use. I would like the CFPB to check out the website and judge if opting out of US mail card offers is reasonably easy for the consumer if at all possible. I believe that Capital One should take steps to make it easier for the consumer to find the Capital One procedure to opt out of printed and mailed credit card offers. 

Thank you very much. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: NY

Complaint narrative:
This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 



Account - LVNV FUNDING XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: The Savings Group, Inc.
State: CA

Complaint narrative:
Unauthorized use of credit report in Inquiries section, XXXX XXXX XXXX XXXX XX/XX/2023, XX/XX/2023. 


Note : Submitted complaint to XXXX XXXX. to remove unauthorized inquiry on XX/XX/2023 ( CFPB # XXXX ). Due to request being > 1 month old, legal process to remove the information has begun. Third parties involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX using my information without my authority .US code 1681 s 2 not respected

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I have attempted to cancel this service since XXXX has refused to assist in changing my alarm monitoring connection to Wi-Fi to be compatible with my new internet connection and ISP. This request has been " blown off '' at least four times over the past four months. Our previous communication connection was by cable/land line. We changed communication to Wi-Fi ( XXXX ) and disconnected the cable ( XXXX XXXX ) on XXXX XX/XX/2023. In fact, XXXX did not even detect a communication fault until 1-1/2 weeks later -- VERY POOR SERVICE RESPONSE. 

I also sent a letter confirming my service disconnection, which was returned undeliverable. 

I have explained this to my credit card company to which XXXX continues to make charges and the Navy Federal Credit Union has declined to cease the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Apparently they sold my student loans to another company which doubled what I owed

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 2023-06-21 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: Nelnet, Inc.
State: GA

Complaint narrative:
Apparently they sold my student loans to another company which doubled what I owed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: GA

Complaint narrative:
Apparently they sold my student loans to another company which doubled what I owed

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 2023-06-21 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer rights I privacy pursue to 15 usc 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: 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. 
XXXXXXXX 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 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 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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: 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. 
XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXXXXXX XXXX XXXXXX/XX/XXXX Experian, 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 XXXXXX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX EXperian, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XX/XX/XXXX 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.

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 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: TN

Complaint narrative:
My Name is reported inaccurately. I would like to see it fixed rapidly. My personal information is essential. It is defamation of my character. There should be any damage to my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: TN

Complaint narrative:
My Name is reported inaccurately. I would like to see it fixed rapidly. My personal information is essential. It is defamation of my character. There should be any damage to my report.

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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have asked Experian to update my personal information and they refuse to do so. I do not receive mail at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. I have a right to an accurate credit report according to the FCRA laws. Remove immediately. 

I have only XXXX name : XXXX XXXX XXXX XXXX XXXX XXXX - Remove immediately! 
XXXX XXXX - Remove immediately! 

Please remove it immediately! 
Employers THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX -- XXXX I never opened an account with the company listed below. I asked them to send me information to validate this debt that bears my wet signature and they refused. 
By FCRA law, no collection account should have any past dues balances. If they can not produce the documents that validate the debt that they claim within 7 days, I will follow up with a legal suit. Because this is fraud. 
Please remove it immediately! 
Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$960.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$960.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$960.00} Highest balance - Terms 1 Months On record until XX/XX/XXXXXXXX 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 2023-06-21 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: CA

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 602A States that I have a right to privacy.

15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

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 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 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 2023-06-21 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer rights I privacy pursue to 15 usc 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: MOHELA
State: GA

Complaint narrative:
Apparently they sold my student loans to another company which doubled what I owed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


Accounts : 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 2023-06-21 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: PA

Complaint narrative:
Thank you for responding to compliant # XXXX, stating that this bankruptcy should remain on my credit report. However, I have submitted additional documentation via the Experian portal and I was unable to verify if the documentation was received via upload. Please see the attached documents with several questions I have.

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 2023-06-22 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: TX

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Good evening to whom it may concern, As of today, I have called XXXX, XXXX and Transunion several times and have sent them letters disputing violations reporting on my credit profile. I have attached the receipt when I mailed my letters and the actual letters and copy of credit report from XXXX and today. The accounts are the XXXX XXXX and XXXX reporting several inaccuracies across all three credit agencies. This is a FCRA violation, the accounts should be removed and deleted as soon as possible. The agencies have also not given me details on how these accounts was supposedly verified because they did not do an actual investigation by law as they should. On one occasion a representative form XXXX stated that my identification I sent to them was wrong. I feel as if they have tried every effort to NOT solve the issue with this account. Had they done so they would have come across the discrepancies as I have. Also, the reporting of inaccurate information is affecting my credit worthiness and my ability to secure funding for personal and business endeavors.

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 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have asked XXXX to update my personal information and they refuse to do so. I do not receive mail at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I have a right to an accurate credit report according to the FCRA laws. Remove immediately. 

I have only XXXX name : XXXX XXXX XXXX XXXX XXXX XXXX - Remove immediately! 
XXXX XXXX - Remove immediately! 

Please remove it immediately! 
Employers THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX -- XXXX I never opened an account with the company listed below. I asked them to send me information to validate this debt that bears my wet signature and they refused. 
By FCRA law, no collection account should have any past dues balances. If they can not produce the documents that validate the debt that they claim within 7 days, I will follow up with a legal suit. Because this is fraud. 
Please remove it immediately! 
Account info Account name XXXX XXXX XXXX XXXX XXXX XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$960.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX  Balance {$960.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$960.00} Highest balance - Terms 1 Months On record until XX/XX/XXXXXXXX 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