vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-09 00:00:00
Product: Credit card or prepaid 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: AL

Complaint narrative:
On XXXX XXXX I returned a rental back to XXXX and XXXX charged me again as if I was re-renting and was not trying to give back my deposit in the amount of {$200.00}, so I tried to dispute it with XXXX before contacting my credit card company and XXXX did not try to resolve the issue, the same day I called Captial one and filed a dispute to resolve the transaction Captial One case # XXXX XXXXXXXX during the return of the rental XXXX had charged me again and made my credit card go over my limit. 

Captial One informed me that the credit will be applied to my available balance after 90 days of me filling the dispute if they don't get response from the merchant, my credit card statement dated XXXX XXXX XXXX XXXX I made 3 Payments to Capital One : XXXX XXXX = {$400.00} ( Payment ) XXXX XXXX = {$100.00} ( Payment ) XXXX XXXX = {$120.00} ( Payment ) balance on statement : {$0.00} My credit card statement for XXXX XXXX - XXXX XXXX I made one payment to Captial One and Captial One applied a provisional Credit and an Interest charge Adjustment : XXXX XXXX = {$200.00} ( Provisional Credit applied ) XXXX XXXX = {$0.00} ( Interest charge adjustment ) XXXX XXXX = {$25.00} ( Payment ) I called Capital One Numerous of times to try and have them permanently apply the credit to my account to bring down my available but there telling me I had a balance of {$230.00} for my statement dated XXXX XXXX XXXX XXXX and that they applied a provisional credit to my account but if they did, I would have had a XXXX balance the next month because there were only XXXX charges for that statement and there saying it was applied before the case had closed before the 90 days. 

Captial One isn't trying to apply the credit permanently to my account because they are assuming that consumers don't close attention to their statement and there trying to keep the money and rip me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not authorize nor did I benefit from the below listed inquiries. Whoever authorized these companies to access my consumer report and place these hard inquiries is in violation. I am reporting them, and I want them blocked and removed from my consumer report. 

XXXX  XXXX XXXX - XX/XX/2022 XXXX XXXXXXXX - XX/XX/2022 XXXX XXXX  - XX/XX/2022 XXXX XXXX XXXX  - XX/XX/2022 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 2022-12-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have an airline loan because I already pay half oh XXXX with you and pay this amount. Do you wan na leave my car because you take it to the impound impound it does it have a L I already take you for that my vehicle where are you vehicle? I want to pick it up and pound it doesnt have it. It doesnt have any info customer service she tell me the impart airline is coming vehicle is already pick it up. You got ta call Ally company, OK? 
I have a police report. Also everything information I can give you can you help please take out the action because nobody help 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 2022-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I just noticed some charges racked up on my credit card which i did not make. I contacted the customer care as soon as i noticed. I did not use the cards so apparently my cards were stolen. The charges should be around {$38000.00} to {$39000.00} if not more. I want this resolved as soon as possible and i want my money back since i did not spend it.

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 2022-12-09 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: VA

Complaint narrative:
XXXX is reporting different amount of accounts than Experian and XXXX. 

They have failed to help with reporting XXXXXXXX XXXX XXXX  as an open account. XXXX has fixed this with no problems. They are claiming no data was given the past 3 months and that it was recently reported closed which it is not. Company also has refused to remove multiple hard inquiries placed in an abusive manner on my report XXXX XXXX XXXXXXXX has not reported for the month of XXXX & account should have XXXX $ balance!

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 2022-12-09 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: Mcburberod Financial, Inc. d/b/a SeedFi
State: PA

Complaint narrative:
When I applied for a Home Equity Loan, an issue of a delinquent loan showed up on my credit report. I did not borrow the {$3000.00}. I have never heard of Seedfi, XXXX or XXXX XXXX XXXX until it showed up as a delinquent account on my credit report. 

It showed up recently and not when the loan was originated so it is probably a problem with the reporting rather than the initial loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: UT

Complaint narrative:
This is a complaint made by me XXXX XXXX along with this is a nortorized affidavit in the uploaded documents showing that it is me that made the complaint not a third party company. I am a victim of identity theft. I sent to the credit reporting agencies the ftc reports and the letter and the affidavit to have them remove the accounts that are 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 non-monetary relief
Consumer complaint received 2022-12-09 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: UT

Complaint narrative:
This is a complaint made by me XXXX XXXX along with this is a nortorized affidavit in the uploaded documents showing that it is me that made the complaint not a third party company. I am a victim of identity theft. I sent to the credit reporting agencies the ftc reports and the letter and the affidavit to have them remove the accounts that are 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 non-monetary relief
Consumer complaint received 2022-12-09 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: GA

Complaint narrative:
consumer have informed TRANSUNION of errors on consumer 's credit report. TRANSUNION intentionally continues to furnish this information on the report defaming consumers character.

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 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I got an email from capital one. It said capital one auto refinancing ( ( NO IMPACT ON YOUR CREDIT REPORT ) ) ( ( NO HARD INQUIRY ) ) I click on the email to read it. It tells me to put in vehicle information and to fallow to prompts to see what the offer is. After I did so and seen what the offer was I excited out as it was not a good offer. Next thing I know I get an alert telling me a hard inquiry was opened on my credit report on XX/XX/2021. I have called them 10 times over the past year to have them remove it. I have even done so with all 3 credit reporting agencies and sent them copies of the email, that stated ( ( NO HARD INQUIRY ) ) They still refuse to remove it. I still have copys of the emails as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
I received an alert that a collections account had been added to my credit report by " IQ Data International " for " The XXXX. '' This debt is NOT VALID. There is no debt owed and they have violated both the FDCPA and Texas Property Code. 
FDCPA Violation 808. Unfair Practices Notice of Debt ; Contents 'IQ Data International Never sent a dunning letter. They are required to notify me of any alleged debt along with the contents of the alleged debt. This fraudulent debt being added to my credit report has also caused a FDCA violation for reporting of inaccurate information. 
Texas Property Code Violations Sec. 92.201. DISCLOSURE OF OWNERSHIP AND MANAGEMENT Failed to disclose information - Disclosure to a tenant under Subsection ( a ) must be made by giving the information in writing to the tenant on or before the seventh day after the day the landlord receives the tenant 's request for the information Sec. 92.202. LANDLORD FAILURE TO DISCLOSE INFORAMTION o A landlord is liable to a tenant according to this subchapter if : o ( 1 ) after the tenant or government official or employee makes a request for information under Section 92.201, the landlord does not provide the information ; and o ( 2 ) the landlord does not give the information to the tenant before the eighth day after the date the tenant, gives the landlord written notice that the tenant may exercise remedies under this subchapter if the landlord does not comply with the request by the tenant for the information within seven days. 
Sec. 91.001. NOTICE FOR TERMINATING CERTAIN TENANCIES o Law not followed after notice given Sec. 92.101 through 92.110 o Landlord Never mailed my security deposit or an itemized list of deductions. They had 30 days to mail this information from the date of me vacating the premises per Texas Property Code.

As per Sec. 91.001. NOTICE FOR TERMINATING CERTAIN TENANCIES. My notice included my move out date ( XX/XX/2021 ) and my forwarding address for my deposit and any final invoices. The XXXX never mailed a final invoice nor refund my deposit which is required under Sec. 92.103

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Someone fraudulently opens a credit card in my name with XXXX  XXXX for XXXX $ The account was charged off and sent into collections without me being notified and also was reported on my credit profile even after I wasnt notified I placed a dispute even called the creditors told me nothing they can do about it nd it was bought by a debt collector.

The credit buereus and creditors have to all follow the laws which they didnt they violated These codes/ laws and therefore this needs to be removed off of my report secotion 604- 15 U.S. code 1681 B Secotion 605 A -15 U.S. code 1681 C-1 Section 605 B - 15 U.S. code 1681 C-2

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 2022-12-09 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Someone fraudulently opens a credit card in my name with XXXX XXXX XXXXor XXXX $ The account was charged off and sent into collections without me being notified and also was reported on my credit profile even after I wasnt notified I placed a dispute even called the creditors told me nothing they can do about it nd it was bought by a debt collector. 
The credit buereus and creditors have to all follow the laws which they didnt they violated These codes/ laws and therefore this needs to be removed off of my report secotion 604- 15 U.S. code 1681 B Secotion 605 A -15 U.S. code 1681 C-1 Section 605 B - 15 U.S. code 1681 C-2

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 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion refused to remove " hard inquiries '' that I DID NOT authorize from my credit report. These inquiries with the following companies should be deleted immediately : XXXX XXXXXXXX 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 2022-12-09 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: UT

Complaint narrative:
This is a complaint made by me XXXX XXXX along with this is a nortorized affidavit in the uploaded documents showing that it is me that made the complaint not a third party company. I am a victim of identity theft. I sent to the credit reporting agencies the ftc reports and the letter and the affidavit to have them remove the accounts that are identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I did not authorize nor did I benefit from the below listed inquiries. Whoever authorized these companies to access my consumer report and place these hard inquiries is in violation. I am reporting them, and I want them blocked and removed from my consumer report. 

XXXX  XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX  - XX/XX/2022 XXXX XXXX XXXX  - XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I did not authorize nor did I benefit from the below listed inquiries. Whoever authorized these companies to access my consumer report and place these hard inquiries is in violation. I am reporting them, and I want them blocked and removed from my consumer report. 

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/2022 2022

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 2022-12-09 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: Convergent Resources, Inc.
State: MI

Complaint narrative:
This is not my account. This is a formal complaint that Convergent Outscoring & XXXX have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. The information must be deleted from my report as soon as possible. I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.

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 2022-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have contacted PayPal Credit several times in regards to repeated fraudulent charges that were processed through my personal PayPal credit account. Monthly payments were being processed automatically till a certain point towards those charges PLUS interest that were deducted from my debit account that was on file. 

PayPal could not accurately identify the charges and made no efforts in resolving the issue. Once I declined to pay the charges, PayPal reported a late payment to all three credit bureaus which were later removed after my appeal to each of them. PayPal continues to mishandle the issue and has gone as far as disabling the account and bared all access from my end but still attempts to process monthly payments and also continues to allow for a monthly recurring charge for a XXXX account that I do not own. I've called PayPal on a monthly basis, at times made several calls but the issue continues to be ignored.

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 2022-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SF-ALP, LLC
State: IL

Complaint narrative:
Had obtained car loan through XXXX XXXX. Car payments were taken out of my personal account on payment date for 3 years of the loan. It seems that the loan was transferred to another company but without all or correct information. My car loan went to collections. I have reached out many times as has my XXXX XXXX XXXX XXXX and there has been no explanation to as why the account is in collections. My account status has not change, the amount in the account has remained with a balance enough to pay off the loan. I had finally sent in a Dispute with the XXXX XXXX with the response back being that the investigation found that the information they provided to the consumer reporting agencies is accurate and no bank error was found. 

I have been told that the company had been trying to reach me by phone, but they had the wrong phone number. I have not made a payment on this loan in 9 months. I want to rectify the matter with my credit score and have charges reversed as this has caused a great decline in my credit score. I am fully prepared to pay for the missed payments, but in the course of the issues on XXXX XXXX XXXX side. It has not been communicated as to what went wrong with my loan payments nor why my account was transferred to a Collection agency.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
They are refusing to remove fraud alerts on my credit 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 2022-12-09 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: FL

Complaint narrative:
I have pulled my report and there are accounts reporting inaccurately. I know that credit reporting agencies are supposed to report only 100 % accuracy. I have not received any investigation procedure on these accounts. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation