vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 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: WA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-04-04 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated or removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated or removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-04-04 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: FL

Complaint narrative:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have paid and contacted the company to get the account removed. They said they reported it already and that's all they can do. I asked to provide documentation that they did that so I could send to the bureaus and they did, I sent it and no change.

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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have paid and contacted the company to get the account removed. They said they reported it already and that's all they can do. I asked to provide documentation that they did that so I could send to the bureaus and they did, I sent it and no change.

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 2023-04-04 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2023-04-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I checked my credit report and saw XXXX XXXX XXXX for XXXX XXXX XXXX  XXXX XXXX. In the amount of {$460.00}. This is due to fraud as I was XXXX. As they can see from account opening there was never any activity on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
XXXX XXXX of The law firm Gurstel Law firm, represents plaintiff, XXXX XXXX XXXXXXXX XXXX, has served my husband, i was not at home at the time, with a complaint against me, owing {$4500.00} within the past 4 years. 

I immediately, looked up my credit score, and found phone numbers and employment position, which doesn't belong to me. 

The plaintiff has never contacted me before, and I never received prior inquiries for this debt. 

I filed a dispute with XXXX for the following : 1. debts, and 2. the wrong phone numbers, 3. and wrong employment description The plaintiff complaint is unverified, as it never belonged to me, i never opened an account with XXXX XXXX XXXXXXXX XXXX XXXX 
Shouldn't the Plaintiff be required to provide verification of debt? 

I do not have any responsibility for the debt the law firm is trying to collect. 
If they have good reason to believe that I am responsible for this debt, mail me the following documents : 1. Proof i opened the account 2. Proof of the transactions & statements 3. Proof of prior attempts to contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-04 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. This item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Date Opened : XX/XX/2007 Balance : {$0.00}

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 2023-04-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  ( Original creditor : XXXXXXXX XXXX ) XXXX Balance : - ; XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquiry XXXX XXXXXXXX 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 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I'm XXXX, I have a gift card that I can't uesd. I called to report my card on XX/XX/XXXX, the customer service gave me a case number : XXXX, on XX/XX/XXXX I followed their request, subjected my name and case number, And uploaded my card, receipt, and my driver 's license, sent to this email address : XXXX, but no one responded to me, I sent again on XX/XX/XXXX and XX/XX/XXXX, still no reply me, I have called them 3 times. On XX/XX/XXXX they said they didn't receive it, I uploaded a few more times, called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and told me to call back again in 24-48 hours to them, I have to wait 30-40 minutes each time to get in the phone but nothing can help me, still let me upload again or wait again, I called 3 times in this month, uploaded 6 times of documents, but no one replied to me, still said that they could not receive my documents, it isn't my problem, they couldn't receive my documents, but my money can't be used in the card, please help me to solve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: MD

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Date Updated : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2023-04-04 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:
Dear Sir/Madam, I am writing to dispute the two hard inquiries on my TransUnion credit report that were made on XX/XX/2022, by XXXX XXXX XXXX and XXXX  for auto financing. These inquiries were not authorized by me, and I believe they were made fraudulently. 

As a responsible borrower, I always keep track of my credit report and make sure that any inquiries made on it are legitimate. However, I was shocked to find two hard inquiries on my TransUnion report for auto financing, as I have not applied for any auto loans recently. 

I have never had any business dealings with either XXXX XXXX XXXX or XXXX  and have never authorized them to check my credit report. I strongly suspect that someone has fraudulently used my personal information to apply for an auto loan, resulting in these unauthorized inquiries. 

As a victim of identity theft, I urge you to take immediate action to remove these fraudulent hard inquiries from my TransUnion credit report. I am ready to provide any additional information that may be required to prove that I did not authorize these inquiries. 

I have always been diligent about maintaining a good credit history, and these fraudulent hard inquiries have the potential to harm my credit score. I urge you to take swift action to investigate and remove these unauthorized inquiries so that my credit history remains untarnished. 

Thank you for your prompt attention to this matter. I look forward to a speedy resolution of this dispute. 

Sincerely, 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 2023-04-04 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I sent a request to XXXX to remove Mercedes-Benz Financial Services USA LLC because of identity theft. XXXX sent me a letter stating they did a reinvestigation and verified my information with Mercedes Benz Financial Services USA LLC ( MBFS ). XXXX did not remove the information as required by 15 USC 1681c-2 ( a ). XXXX violated my rights by contacting MBFS for a reinvestigation pursuant to 15 USC 1681d ( 4 ) and 15 USC 1681i ( 5 ) ( A ). 
I have filed an Identity Theft Affidavit with the XXXX website and do not understand why XXXX would contact MBFS with my information ( ssn, birth certificate ) and other PII, when MBFS is the company that did Identity theft. MBFS gave my personal identifiable information ( PII ) to a third-party company who stole the vehicle from my home, which is the reason ID theft was filed against them. 
In addition to identity theft, MBFS has sold the alleged debt to a company called XXXX XXXX XXXX with reference number ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I attempted to open an account in XX/XX/2022 with navy federal and had to submit verification of my ID. The account was never opened. I tried again in XX/XX/2022 through being referred by my spouse since we live together. I never received any correspondence at all about the account being opened. My spouse attempted to add me to her credit card with my SSN as an authorized user and was unable to do so as it states I have to use the access number assigned to me. I never received any correspondence about the account being opened and do not have any access number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian and XXXX are reporting my info inaccurately.

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 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX of XXXX I submitted a request for a balance transfer from my CapitalOne Quick Silver credit card to my XXXX XXXX credit card. Upon submitting the request for balance transfer, I noticed that there was an error in the account number I entered and I immediately ( within seconds ) submitted a note to CapitalOne letting them know if this error and requesting an update to the balance transfer request. Capital One acknowledged the change and said the balance transfer would be updated. 

The balance transfer was never completed to my XXXX XXXX. I was charged {$3000.00} the full amount of the balance transfer request, but my XXXX XXXX never received that credit/payment from Capital One. 

After YEARS of writing and calling to find what happened to my balance transfer. I discovered that Capital One erroneously sent a check in the amount of {$3000.00}. I have no knowledge of who they wrote the check out to or why. When I asked where they got this persons name or why they sent them a check when I requested a balance transfer to an XXXX XXXX account in my name, they had no response. I asked them what they were going to do to correct this error on their part and they informed me that I would have to contact the person they issued the check to or the banking institution that cashed the check and submit a request to them. This is completely unacceptable. They have done nothing to remedy the funds they lost/mishandled. They have been unhelpful and have drained hours and hours of my time as I fought to find out what happened to my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
Company sued me without written notice, no email, no phone call, no court notices were sent to my residence. I went into XXXX XXXX  to get a money order for rent and was told I could not withdraw because a legal levy was placed on my funds. I was confused and embarrassed and could not pay my rent today XX/XX/XXXX The branch manager provided me a copy of a letter that was sent to XXXX XXXX XXXX XXXX XXXX XXXX, Nj where I do not live, I live in XXXX XXXX. The letter was from a Calvary SPV LLC who placed a judgment in my name with a court officer from XXXX XXXX, Nj XXXX. My full social security number was hand written across the letter top of the court document and mailed to a unit where I do not live. My rights were violated by the courts also by sending my personal information in mail insecured.

Company response to consumer: Closed with explanation