vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kingston Data & Credit International Inc.
State: WI

Complaint narrative:
I was contacted by Kingston Data and Credit. When they called they did not disclose they were recording me, they didnt state the mini Miranda and they didnt even provide my balance. All of which are not in compliance with the FDCPA. Also they said they would send a copy of the original contract to me and then called me back and left a voicemail stating that they dont have a copy of that and I would need to contact the creditor directly. This was for an anytime fitness membership that I cancelled in the middle of the pandemic when the gyms were closed. Anytime assured me they cancelled my membership then turned around and put my account in a freeze instead which was deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Disputed a inaccurate bankruptcy account reporting on my credit. I personally contacted the credit ( bankruptcy court ) to where this was being handled from ( main source creditor ) & they said they do not report to TransUnion XXXX XXXX  nor do they do to third parties. So I contacted & show written statements showing the credit bureaus ( TransUnion XXXX XXXX ) where going against the law & they have not responded they basically said forget me I have been waiting for 50 days in contacting. So today I need the bankruptcy account & the accounts included in the bankruptcy reporting to be removed off my report indefinitely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
These companies are reporting information in regards to a name, bankruptcy and addresses to the credit bureaus that do not belong to me. Despite disputing several times, Lexis Nexis, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX have refused to delete this information from my reports resulting in my credit profile suffering tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: MI

Complaint narrative:
Checking over my XXXXnquires & I noticed the inaccurate inquires I am not aware of that I called & disputed 30 days ago is still on my report. I contacted the creditors & bureaus provided all documentation stating Im not aware of this. Yet this is still reporting. Please remove these inaccurate inquires from my report ASAP!. you are going against the law section 609 of the Fcra 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Pay pal is trying to black mail me I had someone by something from me and the paid with pay pal I met ther person in person handed her the item she purchased in her home town after I went in the store when I came out they were gone she calls me 2 hours later saying its damage I said thats the case mail it to and I send your money back she apparently didnt wan na do that because she file a dispute With PayPal because thats how she paid to PayPal went and took my money and when I called up PayPal and I asked him about it and I told her to mail me my stuff back and then they said something to me about the consumer protection laws doesnt promise that I can get my stuff back I said and I sent them a copy of the consumer protection law and says since when does somebody have protections when theyre buying a used item off of a private individual that lady left she had my item in her hand she left when I came out of store she was gone calls me two hours later and says that its damaged I said dude you had in your hand at the store you left with it youre gone for two hours how do I know you didnt drop it down the subway steps or something so what appeared to me was she was trying to keep the item because when I told her to mail back she refused it and if she disputed it with PayPal now PayPals white and Ill kinds of stuff they got my account limited theres like so theres money on my account that I cant transfer because they wont let me so in my opinion or blackmail me they brought up about the consumer protection rates that Im not going it doesnt say I can get my stuff back for sure or something like that they told me so yeah but this lady already paid for a product Im a private citizen she saw it she bought it off of me like a flea market what consumer rights does she have none when youre buying it off of private party Im not a store so they say my account is limited until I provide proof of I have a business account with them my business account been with them for two years probably now all of a sudden they want all this stuff I dont even know what they want because I gave them the facts on this lady who is trying to dispute an item she purchased off of a private citizen And she shouldnt have been allowed to dispute it for PayPal because she didnt buy it from the store theres no invoice theres no guarantee return after 30 days I dont have any that Im a private person she inspected the item she looked at it she held it in her possession for two hours before she even disputed it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
My car was repoed after falling behind 2 payments, i reached out to honda financial about paying my full past due and even payong 6 months in advance. I had fallen behind due to unemployment payments delayed and helping my family financially with the passing of my grandfather to covid. I pleaded to please let me pay what i owed and continue with the lease due to it being my only car to transport my family in and meeting with potential employers but they lacked in reconsidering their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
I have a loan with CREDIT ACCEPTANCE CORP. I have always made my payments on time yet there was a 30-days late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting the XXXX  XXXX XXXX with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. You are condoning illegal behavior and the bureau is willfully in violation of FCRA. REMOVE FROM MY REPORT IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: PA

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Several fraudulent accounts appear on my credit report and I have no knowledge of these accounts. I have tried several procedures to have these accounts deleted from my credit report because I didn't know the proper steps to take these fraudulent accounts off my credit report so the information just remained on my credit report. I have contacted these companies directly about these complaints. They did nothing. I even considered paying collections off through collections agency departments in hopes that specific accounts would be deleted. These negative accounts should be deleted immediately from my XXXX  credit report. 

Negative Accounts : 1. XXXX XXXX  XXXX / XXXX XXXX XXXX - {$2100.00} on XX/XX/XXXX, 2. XXXX XXXX XXXX XXXX XXXX XXXX  - {$180.00} on XX/XX/XXXX, 3. XXXX  / XXXX XXXX - {$1300.00} on XX/XX/XXXXXXXX, XXXX, 4. XX/XX/XXXXXX/XX/XXXXXXXX XXXX A {$1000.00} on XX/XX/XXXX 5. XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX {$560.00} on XX/XX/XXXX, 6. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX A {$1100.00} on XX/XX/XXXX, 7. XXXX XXXX / XXXX XXXX XXXX XXXX. {$800.00} on XX/XX/XXXX, 8. XXXXXX/XX/XXXXXXXX {$330.00} on XX/XX/XXXX It is also a host of fraudulent hard inquiries as well listed below : 1. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX, 2. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX, 3XX/XX/XXXX - Inquiry date : XX/XX/XXXX, 4. XXXX XXXX XXXXXX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX, 5. XXXX XX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXX, 6. XX/XX/XXXXXXXX XX/XX/XXXX- Inquiry date : XX/XX/XXXX, 7. XXXX XXXX XXXXXX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX, 8. XXXX Inquiry date : XX/XX/XXXX, 9. XXXXXX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXX 10. XXXX Inquiry date : XX/XX/XXXX 11. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX 13. XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX Inquiry date : XX/XX/XXXX 15. XXXX XXXX Inquiry date : XX/XX/XXXX These accounts should be deleted immediately from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Several fraudulent accounts appear on my credit report and I have no knowledge of these accounts. I have tried several procedures to have these accounts deleted from my credit report because I didn't know the proper steps to take these fraudulent accounts off my credit report so the information just remained on my credit report. I have contacted these companies directly about these complaints. They did nothing. I even considered paying collections off through collections agency departments in hopes that specific accounts would be deleted. These negative accounts should be deleted immediately from my XXXX  credit report. 

Negative Accounts : 1. XXXX XXXX XXXX / XXXX XXXX XXXX - {$2100.00} on XX/XX/XXXX, 2. XXXX XXXX XXXX XXXX XXXX XXXX - {$180.00} on XX/XX/XXXX, 3. XXXX  / XXXX XXXX - {$1300.00} on XX/XX/XXXXXXXX, XXXX, 4. XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX{$1000.00} on XX/XX/XXXX 5. XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX{$560.00} on XX/XX/XXXX, 6. XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX{$1100.00} on XX/XX/XXXX, 7. XXXX XXXX / XXXX XXXX XXXX XXXX. {$800.00} on XX/XX/XXXX, 8. XXXXXX/XX/XXXXXXXX {$330.00} on XX/XX/XXXX It is also a host of fraudulent hard inquiries as well listed below : 1. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX, XXXX. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX, 3. XX/XX/XXXX- Inquiry date : XX/XX/XXXX, 4. XXXX XXXX XXXXXX/XX/XXXXXXXX - XXXX date : XX/XX/XXXX, 5. XXXX XX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXX, 6. XX/XX/XXXXXXXX XX/XX/XXXX- Inquiry date : XX/XX/XXXX, 7. XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX - Inquiry date : XX/XX/XXXX, 8. XXXX Inquiry date : XX/XX/XXXX, 9. XXXXXX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXX 10. XXXX Inquiry date : XX/XX/XXXX 11. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX These accounts should be deleted immediately from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: MI

Complaint narrative:
Checking over my report & I noticed the inquiries that I disputed with the creditors & bureaus are still reporting on my credit. I have no clue of how someone could get my information but I need these inaccurate inquires to be removed immediately its been passed 30 days Im no longer waiting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: MI

Complaint narrative:
Checking over my report & I noticed the inquiries that I disputed with the creditors & bureaus are still reporting on my credit. I have no clue of how someone could get my information but I need these inaccurate inquires to be removed immediately its been passed 30 days Im no longer waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On several occasions, I wrote Mr. XXXX XXXX, CFO of Navy Federal Bank regarding a credit card account. I simply requested verification and validation for contract transparency which included a notarized statement that there is no breach of agreement, failure of consideration or material alterations, and that the account was transferred in good faith and by the consent of all parties involved.

I have reason to believe, and I do believe that Navy federal Credit Union in in breach of the alleged credit card agreement pursuant to 15 USC section 1692 and GAAP.

Navy Federal Credit has not responded to any of my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
XXXX XXXX XX/XX/XXXXshared my personal information with debt collectors U. S. Asset Management and U. S. Asset Management shared my personal information with debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. and debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. filed a lawsuit on U.S. Asset Management behalf then XXXX, XXXX, XXXX, XXXX, XXXX. shared my personal information with XXXX, XXXX XXXX XXXX XXXX. Pursuant to 31 USC 3718, " Under conditions the head of an executive, judicial, or legislative agency considers appropriate, the head of the agency may enter into a contract with a person for collection service to recover indebtedness owed, or to locate or recover assets of, the United States Government. The head of an agency may not enter into a contract under the preceding sentence to locate or recover assets of the United States held by a State government or financial institution unless that agency has established procedures approved by the Secretary of the Treasury to identify and recover such assets. '' and as such, I have yet to receive proper proof from XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX or XXXX, XXXX XXXX XXXX XXXX. that approval to collect on the alleged debt was approved in accordance to the UNITED STATES code listed above. Pursuant to 18 USC 1028A ( a ), " Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. '' and as such, XXXX XXXX Bank knowingly transferred my personal information without my lawful authority to debt collectors U. S. Asset Management and U. S. Asset Management illegally shared my personal information with debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. and debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. illegally shared my personal information with XXXX, XXXX XXXX XXXX XXXX. and all obtained and are in possession of my personal information without my lawful authority and XXXX, XXXX, XXXX, XXXX, XXXX. and XXXX, XXXX XXXX XXXX XXXX has used such information and illegally attempted to collect an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/2021, I entered into a payment arrangement with XXXX ( Capital One ). 3 Payments of $ XXXX and then my balance of over $ XXXX would be XXXX. This is due to Covid-19 and their plans in place to help. I having been effected greatly by Covid-19 was very excited and very detailed with the rep over the phone. I had made it clear that this was to take my balance down to XXXX, and XXXX  and I would be good. The rep stated " YES '' several times. I asked when I would get a paid in full letter, and the rep explained it would be a few weeks after the final payment on XX/XX/2021. So, XX/XX/2021 rolls around and I get a bill in the mail. I called in to ask about it and they said it would take up to 90 days to get a paid in full letter, and that the bills are auto generated. XXXX of 2021 comes I get another bill, but disregard it. On XX/XX/XXXX I get a call from Capital One asking how I am going to pay my XXXX bill. I explained to the rep I had a settlement, and the rep stated I did not. Stated I was in a " build a plan ''. This is the first I heard of this and now Capital One ( XXXX ) is saying their was never a payment plan. When I ask for the transcript for the call, they tell me I need to get a lawyer for it. I have called and talked with several managers all saying the same thing. There is no error on our part and to get a transcript of my call I need to get a lawyer. I asked them, " If their was no error on your part, then why not supply me with a transcript of the call? ". To this day they will not give me any more information on my account with the phone calls they made to me and recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Disputed a inaccurate bankruptcy account reporting on my credit. I personally contacted the credit ( bankruptcy court ) to where this was being handled from ( main source creditor ) & they said they do not report to XXXX  XXXX  Equifax nor do they do to third parties. So I contacted & show written statements showing the credit bureaus ( XXXX  Equifax XXXX  ) where going against the law & they have not responded they basically said forget me I have been waiting for 50 days in contacting. So today I need the bankruptcy account & the accounts included in the bankruptcy reporting to be removed off my report indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Disputed a inaccurate bankruptcy account reporting on my credit. I personally contacted the credit ( bankruptcy court ) to where this was being handled from ( main source creditor ) & they said they do not report to XXXX  experian XXXX  nor do they do to third parties. So I contacted & show written statements showing the credit bureaus ( XXXX  XXXX  experian ) where going against the law & they have not responded they basically said forget me I have been waiting for 50 days in contacting. So today I need the bankruptcy account & the accounts included in the bankruptcy reporting to be removed off my report indefinitely.

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