vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I've asked Capital One to stop sending me credit card offers. I already filed a complaint against them last year and I am again receiving offers. I want them to stop sending me credit card offers. 

Capital One sent me a credit card offer for their Quicksilver card in XX/XX/XXXX XXXX 

I don't want anyone intercepting my mail and applying for a credit card. I also have to spend MY time opening their mail and shredding my personal information. If I have to do this every week for multiple companies, it's a waste of my time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On or around XX/XX/XXXX, I received an email from my credit card provider, Citi, that a payment had been made on my account that covered the entire balance of the card. After a week, the balance did reflect that payment being made. I did not make that payment, I called Citi to question it and they said someone called and paid off the balance on my credit card. I did not further question this, I just assumed it was a gift. Shortly thereafter, I transferred a balance onto the card and made some purchases. After 3 weeks, the person who was allowed to mistakenly pay my credit card reversed that payment. Citi put the balance back on my card and is now making me pay anything due over the credit limit by XX/XX/ or they are going to terminate my current promotional balance and completely ruin my credit because i will be unable to make this payment. 

I called them and told them there is no way I could make that payment and it'd be 5 months before I could come up with that kind of money, but they did not care. They do not believe that they did anything unethical. They allowed someone else to pay off my credit card, took away my entire balance, then reapplied it all without my acknowledgement. I have no issue paying back the full amount. My issue is that Citi is now trying to charge me the entire amount over the limit due to their mistake and will not work with me on this whatsoever. This will ruin my credit due to Citi and someone person mistakenly paying the wrong credit card & them allowing it to happen in the first place.

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 2023-11-27 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: TX

Complaint narrative:
Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXX  Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX  Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX All New Reporting Information to- paid as agreed and current 7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

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

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 2023-11-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have contacted this bureau a total six times. They were contacted on XXXX twice, Once on XXXX once on XXXX, once on XX/XX/ and finally on XXXX Every time I called, my request was the same. I asked this bureau to remove the remarks/comments from an account. 

This is a violation of FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: NJ

Complaint narrative:
I have reached out XXXX, XXXX, and Equifax on multiple occasions regarding disputes of inquires on my credit report for accounts i do not have. I've also received multiple notifications that my email and social security number has been accessed to the dark web and i put a fraud alert on my credit file to alert the credit bureaus about this issue. 
I've contacted the credit bureaus 4 times this year on this matter. ( XXXX, XXXX, XXXX, XXXX ) Here are a list of inquires that were not authorized Equifax 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have reached out Experian, XXXX, and XXXX on multiple occasions regarding disputes of inquires on my credit report for accounts i do not have. I've also received multiple notifications that my email and social security number has been accessed to the dark web and i put a fraud alert on my credit file to alert the credit bureaus about this issue. 
I've contacted the credit bureaus 4 times this year on this matterXXXX XXXX XXXX XXXX XXXX XXXX XXXX   Here are a list of inquires that were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
on XXXX XXXX  i purchased a XXXX XXXX XXXX  from XXXXXXXX XXXX  which was financed through credit acceptance for {$27000.00}. with a 72 moth payment plan of XXXX. But i did not know that the dealer who i bought the car from added extended warranty, gap insurance, and roadside assistance, which added almost XXXX in extra to the amount being financed plus interest. on XXXX XXXX i called credit acceptance to get those extra items removed. They removed those extra items from the original amount financed but said my monthly payments would still be the same. I asked how is that possible when almost XXXX in extra charges were taken from the original loan amount, I was told that i would just be paying the car off early. i explained to credit acceptance that the contract is for 72 months, how can that be changed. i was told that i would just be paying the car off early. I explained to credit acceptance that at this time i do not wish to pay the car off early and would like my monthly payments to be adjusted to what the contract says which is 72mnths of payments for the amount financed i told there is nothing that can be done. This is clearly a breach of the original contract by forcing me to pay the loan off early than the agreed upon time frame that the loan is to be paid back and i will be getting legal counsel with this matter it just doe not feel right to 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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I utilize Experian as a credit monitoring service. I typically leave the account status as " frozen '' in an effort to deter identity theft ( of which we have been an attempted victim ). 

On XX/XX/23 I " unfroze '' my account and submitted an electronic application to XXXX for their XXXX XXXX XXXX ( I am looking to take advantage of their bonus mile program ). 

Upon submission of my application, I received an immediate message that my account was " frozen '' and to first contact Experian to unfreeze the account and then call XXXX to advise them. 

I called the Experian number provided ( XXXX ) and found myself in an endless loop of prerecorded menu options - I was not offered or able to speak with a customer service rep and my only option was to freeze my credit report or go to the Experian web site to unfreeze my credit ( which we had already done ). 

I also called another number that I found in a XXXX search for a live agent at Experian. That number ( XXXX ) also resulted in a pre-recorded menu option list and no ability to speak to anyone. 

At this point, similar to my prior attempt to obtain this card, I am unfairly and inappropriately being denied the ability to obtain and utilize a financial vehicle of my choice. 

I need assistance in unfreezing my account.

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 2023-11-27 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: MI

Complaint narrative:
I HAVE SENT FTC REPORTS, AND ALL TO EXPERIAN EXPLAINING TO THEM THAT THEY ARE REPORTING FRAUDULENT INQUIRES ON MY CREDIT PROFILE. TODAY XX/XX/2023, I CHECKED MY EXPERIAN PROFILE AND STILL SEE FRAUDULENT INQUIRES. I TRIED TO APPLY FOR HOUSING AND WAS DENIED BECAUSE OF THESE FRADULENT INQUIRES, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 - XXXX XXXX  XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 - I HAVE NO ACCOUNTS WITH ANY OF THESE COMPANIES - I ALSO HAVE BEEN DENIED FROM OTHER CREDIT CARD PROVIDERS BECAUSE OF THESE FRADULENT INQUIRES.

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 2023-11-27 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: FL

Complaint narrative:
Requested to remove incorrect information concerning my address, provided address verification along with diver 's license and company continues to verify inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2023, I purchased XXXX gift cards ( XXXX for {$200.00} each, and XXXX for {$100.00}, totaling {$510.00} dollars, including each card activation fee ) at XXXX in XXXX XXXX, CA. On XX/XX/2023, I mailed via USPS with tracking to XXXX XXXX XXXX XXXX XXXX these XXXX cards to a business colleague 's USPS po box as a financial referral for business work. When the colleague attempted to use these cards in XX/XX/2023, all three were unopened, and unused. When he tried to spend them in XXXX California, all three balances showed {$0.00}. After looking up the card serial numbers and checking their balance, it was found that all three cards and all {$500.00} were spent in varieties of grocery stores in XXXX XXXX California and all transactions on XXXX. Work colleague and myself were never in these cities and the cardboard XXXX gift card packaging protecting the security codes were never opened until XX/XX/2023. Criminals had scammed these cards in advance. I am out {$510.00} and no one is willing to help. Appreciate all support and I can provide initial card purchase receipt from XXXX, tracking number from USPS, and paperwork showing the cards spent illegally in some random place no one was present at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
This company did not provide me with the adequate info to me to valid the account was mines. Between XXXX XXXX 2023 the LVNV Funding LLC collections account was reported closed and they still didnt verify the account with my signature or verbal authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: TX

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-11-27 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: MI

Complaint narrative:
Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: PA

Complaint narrative:
XXXX at approx XXXX ( Eastern ) : Tried to access my Experian account online. I could not get my user name/password combo to work so I called customer service. 

Automated system prompted me for reason regarding my call and wouldnt transfer me to an agent. I walked through the steps to unfreeze my report for 24 hours ( initial request ). The line then transferred me to an agent named XXXX. 

XXXX asked me for my social multiple times and I would not give it to him. I told him I would give him last 4. He put me on hold until he spoke to a manager. 

He came back on the line and took the last 4 as well as my street address etc. He asked me about the freeze again and I told him from today until Wednesday ( 48 hours ). 

He confirmed and I asked him about my online account and why I couldnt get in. He said hed walk me through security questions which I answered. He said he could not verify me but was going to add my email to the account anyway. That didnt make sense to me and I asked to speak to a manager. He said is there anything else I can help with and I said yes to speak to a manager. He said hold on and Ill connect you and then hung up on me. 

Very unsettled I called back multiple times. Finally was connected to another agent. She told me she had no record of me talking to anyone else and that a permanent release of the freeze was done online. This isnt possible as I couldnt get my user name and password to work. She also had no record of me talking with an agent. 

I instructed her to put the freeze back on permanently and she asked me if I wanted to pick a new pin or have one automatically generated and mailed to me. I asked her to mail me a system generated pin as the first agent XXXX had asked me for the pin and had that number. 

She confirmed the freeze was added back. She said she did update my email in the system. 

I tried to pull a report through XXXX XXXX XXXX and Experian gave me an error and said information has recently changed and they could not provide the report. 

I then tried to reset my information again through Experian and its telling me my phone number doesnt match the account. 

I placed a freeze to protect my credit with the bureaus and it seems Experian has an unethical employee. 

After speaking to a CFPB rep, I placed a fraud alert on my credit but I still am not able to access my Experian account or get anyone on the phone to confirm my account is safe.

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted Transunion today requesting an Early Exclusion for derogatory marks listed under my account with Department of Education- These marks are within 5 months of the 7 year period in which they can be reported. Upon requesting this exclusion I spoke with supervisor XXXX XXXX, who told me that my accounts won't qualify for an early exclusion and the reason for this is an internal one which she refused to share with me. XXXX XXXX reported that Transunion does not share internal reasons and that the only way that I could find out would be to have the information subpoena 'd. 

Transunion appears to be practicing discrimination in this matter, an early exclusion is not unheard of but for some reason they refused to provide the service to me. Citing this as an internal reason further gave me concerns as I am now worried about the safety of my account information with this company. Furthermore Transunion stated that they verified the information from the creditor which is reporting a 90 day late in the month of XXXX and a 120 day late in the month of XXXX on my XXXX report. I contacted the Dept of EdXXXX and spoke with a representative who was also confused by this reporting and expressed that there was nothing that could be done on her end and directed me to dispute the matter with the credit bureau . I seem to be caught in a loop with one company sending me back to the other and now the bureau telling me that for internal reasons they can't reveal why I can not get an early exclusion. 

I am requesting that these 90 day lates for XX/XX/2017 be removed from my credit report and that Transunion provide me with an explanation of the " Internal Reason '' that my specific account isn't eligible for early exclusion in order to address what appear to be discriminatory practices.

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