vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-23 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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:
To Whom It May Concern, Please be advised that I have received your computer-generated RESPONSE stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have submitted information that " was not in your file ''. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. You were advised by me on ( XX/XX/2022 ) by the CFPB PORTAL XXXX  XXXX ) that I questioned the accuracy of a few items on my credit reports. That complaint was written by me and submitted by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. Here again is the incorrect information being reported : 1. XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is inaccurate and must be deleted. This is the original account that STILL REMAINS ON MY CREDIT REPORT THAT XXXX IS ALLOWING TO BE REPORTED AGAIN BY XXXX XXXX 2. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account number XXXX**This is a duplicate account and must be deleted. 3. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX account numbeXXXX XXXXXXXX This is a duplicate account and must be deleted. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 non-monetary relief
Consumer complaint received 2022-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Reporting act XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: OH

Complaint narrative:
Transunion will not remove fraudulent inquiries off my credit report. I have reached out to them numerous of times, and explained to them those are fraudulent unauthorized charges and filed police reports XXXX XXXXXXXX FD XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXX mortgage XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/20

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 2022-05-23 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: NC

Complaint narrative:
4 HARD INQUIRIES Have taken place on my credit, someone obviously has my SSN and it looks as though they are trying to secure a loan and obtain an apartment! UGH! I took a screenshot of the inquiries, then set up fraud alerts with all 3 credit bureaus. PLEASE TAKE THESE HITS OFF MY credit & adjust my credit score accordingly. I am trying DESPERATELY to raise my credit and I'm a homeowner I'm not trying to get a loan or an apartment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc.
State: FL

Complaint narrative:
I had 2 credit card with the XXXX bank  which were sold to XXXX bank. I had a law suit filed by XXXX Bank against me re one of the credit card in XXXX. Somewhere around XXXX of XX/XX/XXXX I received the phone call from Associated Credit Services. Since one credit card was in the legal dispute and only attorneys could communicate on the subject I thought that Associated Credit Card Services Rep is talking about the second card and I settled the debt for {$3000.00} with the Associated Credit Services , Inc ph : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXXXXXX and this settlement was fully paid ( {$1000.00} withdrawn from my account on XXXX XXXX ; XX/XX/XXXX and XX/XX/XXXX ). 
Meanwhile I also settled the credit card which was in the legal dispute through my attorney and also paid the settlement fully and the file was closed on the court level. Later I discovered that both settlement were done for the same credit card ( not two different accounts ). 
I called XXXX Bank and they said that they never received the settlement from Associated credit services nevertheless they sent me 1099 C form with the debt discharge and the amount corresponds to Associated Credit Services settlement. They reject to discuss and say that they never received the money from Associated credit services. 
I haven't received the confirmation of the settlement from either Associated Credit Services or XXXX Bank after multiple requests. 
XXXXt bank denies that the settlement with Associated Credited exist and that they received the money and Associated credit Services has been promising email/mail the confirmation of the settlement since XXXX, XXXX. 
I made multiple phone calls to Associated Credit Services and they always say it's on its way. I talked to XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and other people. It's already about 3 months since I am trying to resolve the issue and none of the parties involved acknowledge the settlement done by associated Credit Services with official letter and XXXX Bank denies it at all. I apid for the same settlement twice and it seams like a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
On XXXX, I closed my account with indigo financial ( Genesis FS Card Services ) with a XXXX dollar balance. 

In XX/XX/2022 I receive a notice that I had a balance on the card. I contacted them about the balance and found it was for unpaid interest charges On XXXX, I spoke with Indigo about my card because I yet again receive a notice that there is a balance. The balance is for XXXX XXXX XXXX on a closed card with XXXX balance. They also had charged interest. They acknowledge my card was closed on XXXX. They are blaming the XXXX XXXX XXXX however didnt understand why the card was still allowing charges after being closed. 

At no point did any agent Ive spoke to have any empathy or concern that the company had done something that is illegal. 

I fear this is not the last time I will have this issue with Indigo. Unless action is taken by a governing agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15usa 1681. XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX {$650.00} Account # 2 NCA XXXX XXXX {$380.00} Account # 3 XXXX XXXX  XXXX {$350.00} Account # 4 XXXX XXXX XXXX {$320.00} Account # 5 XXXX XXXX # XXXX {$380.00} Account # 6 XXXX XXXX # XXXX {$540.00} Account # XXXX PXXXX XXXX # XXXX {$470.00} Account # 8 XXXX XXXX XXXX {$330.00} ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Account # XXXX XXXX XXXX XXXX XXXX {$350.00} Account # 11 XXXXXXXX XXXX XXXX XXXX # XXXX {$320.00} Account # 12 XXXX  XXXX XXXX XXXX XXXX XXXX {$450.00} Account # XXXX  XXXX XXXX XXXX XXXX XXXX {$640.00} 15U.S.C 1681 section 602 A, states I have the right to privacy, 15 U.S.C 1681 section 604 A section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Re : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXr XXXX / XXXX XXXX Follow up the Shellpoint Mortgage Servicing LLC 's reply dated XX/XX/2022. 

Attached, please find the final paid-off wire statement from XXXX XXXXk {$120000.00} ( attached 1 ). 

Attached, please find the bank statement payment proof that the {$3000.00} fund was sent on XXXX XXXXXXXX XXXX ( attached 2 ) and posted to Shellpoint Mortgage Servicing LLC XXXX XXXX Account on XXXXXXXX XXXX XXXX. ( attached 3 ) - XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$120000.00} ( attached-1 ) XXXX XXXX  XXXX {$3000.00} ( attached -2 & 3 ) Total deposited and wired {$130000.00} as at XX/XX/2022 ( exectly paidoff amount requested from ShellPoint dated on XX/XX/2022 ( attached -4 ) for the payoff date XX/XX/2022. 

According to Shellpoint Mortgage 's instruction/ payoff letter dated XX/XX/2022 ( attached -4 ), I have been settled and fully paid on XX/XX/2022 by XXXX payment before date of XX/XX/2022. Please apply these payments/funds to pay the loan in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently checked my credit report and noticed that lots of inaccurate accounts and inquiries, I immediately made a Letter to the respective agencies dated XX/XX/2022 and I wonder why after 30 days I haven't received any response from them so I had to research about my right and found that according to this article { FCRA 611 ( 15 U.S.C. 1681I ) } there's this 15 days additional for the reinvestigation. So I calm myself and waited for another 15 days to passed. Today I couldn't wait for another day it is over 45 days since I mailed them about it but still no response at all. According to article that I read failure to investigate 30 days gives a reason to immediately remove those items from my credit report. I feel like I am being ignored and being taken advantage.

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 2022-05-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently checked my credit report and noticed that lots of inaccurate accounts and inquiries, I immediately made a Letter to the respective agencies dated XX/XX/2022 and I wonder why after 30 days I haven't received any response from them so I had to research about my right and found that according to this article { FCRA 611 ( 15 U.S.C. 1681I ) } there's this 15 days additional for the reinvestigation. So I calm myself and waited for another 15 days to passed. Today I couldn't wait for another day it is over 45 days since I mailed them about it but still no response at all. According to article that I read failure to investigate 30 days gives a reason to immediately remove those items from my credit report. I feel like I am being ignored and being taken advantage.

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 2022-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
One year ago ( XX/XX/XXXX ) I started looking at my credit reports to see what was on it to see what needed to be done to get my score up to purchase a home. Upon doing this I came across a account in collection Midland funding LLC prior creditor was XXXX XXXX  for {$560.00}. I had no idea what is was or who it was for so I disputed it telling them I didnt know what this was for and wanted it to be validated. They would just respond with a letter that said the account was valid. I disputed it twice. Now this month ( XX/XX/XXXX ) I decided to call XXXX to see if the could tell me more about what it was for since when I tried to find out I didnt get a informative response. The agent at XXXX told me it was for a store credit card, the store was XXXX and the original charges where done in XXXX or XX/XX/XXXX in Missouri. At that time I was actually in XXXX XXXX, Washington where there isnt any XXXX stores so I immediately reported fraud as it wasnt me. I have documentation that proves when I actually flew to WA and ended up residing there until XX/XX/XXXX. Had I taken the time sooner to look into everything on my credit report I would have most certainly reported it sooner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Somebody applied for a credit card from Bank of America in my name. I did not apply. 

I called Bank of America and told them to cancel it as it 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 explanation
Consumer complaint received 2022-05-23 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: DISCOVER BANK
State: CA

Complaint narrative:
Back in XXXX XXXX XXXX I received a notice from Discover Card indicating I had missed my past two payments and my account was delinquent. My account has been set up on auto-pay since its inception so as to never miss a payment. 

I contacted Discover customer support and inquired as to why my auto-payments were not being made. The account they were drawn on had sufficient funds and no reason for the payments to have not been made. I was advised their system had unsubscribed me from the auto-pay. Customer service could not provide an explanation as to why it was unsubscribed, but was not done at the cardholder 's request. 

I provided them with a payment to cover the delinquency. Auto-pay was re-configured and payments have been made via auto-pay on-time ever since. Discover agreed to reverse any late fees and remove the " late '' flags from my account and credit report. The late fees were waived for those two months, but they have never followed through to remove the credit hits for the late payment 30 days past due. I've further disputed this through the credit agencies without success and have spent considerable time and effort trying to get this resolved. This continues to be a factor in my credit history and needs to be completed. 

If you need any further documentation/explanation, please let me know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian, XXXX and XXXX continues to report in accurate information on my credit report and refuses to correct the problems and conduct a proper investigation. Please review the screen shots from my most current Experian report ( not a third party ) That shows my account status is Closed. I have also included the email thread from XXXX XXXX Who is a XXXX XXXX XXXX in the customer advocacy department XXXX Who refuses to fix the problem despite the screen shots that clearly show the account status closed. They are reporting the account in XXXX and XXXX as being late when they should be reporting current and they are reporting the accounts 90 days past due when the account was suppose to be in approved forbearance. This company and the XXXX XXXX XXXX have failed to do proper investigation and correct the my reports, despite my disputes. Even the president of the company was emailed about the problems and totally ignored my emails. Problems with this company have been reported to the state attorney generals office, CFPB and XXXX and no one will listen or fix the problem.

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 2022-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hunt & Henriques
State: CA

Complaint narrative:
I have asked this debt collector to provide real signed documentation that i dentifies me as per a promissory note signed agreement, original application, evidence that I opened this fake account, terms and conditions in truth in lending discosures. signed sales receipts?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: IN

Complaint narrative:
In XXXX of XXXX, I reported to XXXX that an attempt to open a credit card account had been fraudlently attempted, after receiving a text from a credit card company saying my application had been approved, when I had not applied for any card. This fraud activity was proved and resolved, with removal of that credit card from my credit report. I placed an alert on my credit accounts after this, but I received no alert from any of the three credit agencies regarding these fraudulent addresses on my account in between XX/XX/XXXX and XX/XX/XXXX. I recieved word from a family member that they had experienced fraud in XX/XX/XXXX, so I checked my credit report again at this time, finding two addresses that are not associated with me. I reported to Experian on XX/XX/XXXX a dispute to my credit report that there exists two addresses on my credit report that I have never been associated with : these are a XXXX XXXX XXXX XXXX, XXXX XXXX, Indiana and XXXX XXXX XXXX, XXXX XXXX, Indiana. Experian did not agree that these were disputable addresses because I did not have a police report or FTC report to go along with the dispute.

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 2022-05-23 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: PA

Complaint narrative:
I am writing to delete the following information on my credit file. The items I need deleted are listed below. All of these inquiries were unauthorized. 

Fraudulent Inquiries : Inquiry Name : XXXX XXXX XXXX Open Date : XX/XX/2022 Inquiry Name : XXXX XXXX XXXX Inquiry Open Date : XX/XX/2022 Inquiry Name : XXXX XXXX XXXX Open Date : XX/XX/20XXXX 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