vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Accordance with the fair credit reporting act. XXXX, XXXX, and Experian has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

All of these negative items are not correct and do not belong on my report. 
The items are. XXXX XXXX XXXX XXXX date XX/XX/XXXX *incorrect amount paid off* XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  open date XX/XX/XXXX * Not XXXX XXXX XXXX XXXX open date XX/XX/XXXX * Not mines* XXXX open date XX/XX/XXXX *Not mines* XXXX  XXXX open date XX/XX/XXXX * Incorrect amount* XXXX XXXX  XXXX open date XX/XX/XXXX *Not mines* XXXX open date XX/XX/XXXX *Never applied 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 2022-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX  XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021, XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2021, XXXX XXXX XX/XX/2021, 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 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 2022-04-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021, 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 2022-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DebtEaze
State: IL

Complaint narrative:
I received a call explaining that I was eligible for a public service forgiveness for my student loan. I returned the call to speak with a XXXX XXXX that worked for Debteaze ( www.debteaze.com ). After using deceitful and manipulative tactics, he was able to obtain my social security number, credit card number and and other critical information. He explained that after 9 consecutive payments, my student loan payments would drop to 0. I have formally written and called to explain I do not want the services and do not approve of any charges or information sharing. Please contact me at your earliest convenience. 
Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: WI

Complaint narrative:
In accordance with the Fair Credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In accordance with the Fair Credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
I paid my normal monthly payment of {$650.00}. plus {$50.00}. plus a fee of {$7.00} on about XX/XX/2021 but KIA Motors Finance has refused to credit my account to this day despite my many attempts by phone, email and first class mail. This has caused my credit to be bad.

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 2022-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: N26 Inc.
State: NC

Complaint narrative:
I received this correspondence from N26 bank : " After making the tough decision to sharpen our focus on our XXXX business, N26 is no longer available to customers in the US meaning we are only communicating via email. 
In order to assist you, we will need you to send us an email from the email address registered to your account and provide the following : - A double-sided photo/scan of your valid ID/Passport - Date and Place of Birth - Shipping address confirmation ( eg. utility bill dated within the last 3 months ) - Your express authorization so, please respond with the following statement : I authorise N26 Bank to exchange my personal data with me via email. 
If you do not have access to your registered email address, please send us an email stating : - Your previously registered email address, in addition to the information above. 
Please feel free to provide us with the documents as a scan or photo by email.

Ill then be able to continue this conversation via email. Note that your authorization to exchange personal data via email at any time. 
Thanks for your patience and understanding. 
XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXXXXXX XXXX XXXX NY, XXXXXXXX XXXX XXXX XXXXXXXX : ref '' I submitted the documents they requested. I am not getting any response as to the status of my funds being held at their bank after closing my account. 
When I go on line to the chat, they say I have to reach out to New York. When I reach out to New York, I get a response that I have to contact N26 XXXX. It is an endless loop of non responsiveness and illegally holding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: TX

Complaint narrative:
15 USC 1681 section 602 A I have a right to privacy 15 USC 1681 Section 604 A Section 2 Consumer reporting agency can not furnish an account without my written consent.

15 USC 1666B A creditor may not treat a payment on a credit card account under a open end consumers credit plan as late for any purpose 1637 ( b ) ( 10 ) of this titlea written notice ( other than notice on a payment stub or other payment medium supplied by thecreditorif thecreditorso stipulates with the disclosure required undersection 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables thecreditorto identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

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 2022-04-23 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: TX

Complaint narrative:
15 USC 1681 section 602 A I have a right to privacy 15 USC 1681 Section 604 A Section 2 Consumer reporting agency can not furnish an account without my written consent.

15 USC 1666B A creditor may not treat a payment on a credit card account under a open end consumers credit plan as late for any purpose 1637 ( b ) ( 10 ) of this titlea written notice ( other than notice on a payment stub or other payment medium supplied by thecreditorif thecreditorso stipulates with the disclosure required undersection 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables thecreditorto identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) se
ts forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing ( 4 ) Thecreditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account:XXXX has violated my rights!

15 U. S. C. 1681 section 602 A : states that I have the right to privacy.

15 U. S. C. 1681 section 604 A Section 2 : also states that a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
portfolio recovery, {$850.00} last reported XX/XX/XXXX XXXX i disputed as account not mine i also have a fraud alert, they have not deleted. also a account for {$2200.00} last reported XX/XX/2022XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # 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 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 2022-04-23 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 an 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 explanation
Consumer complaint received 2022-04-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality Under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX  Account number XXXX Has violated my rights XXXX XXXX XXXX XXXX  Account number XXXX Has violated my rights XXXX, XXXX. 
Account number XXXX Has violated my rights XXXX XXXX Account number XXXX Has violated my rights XXXX XXXX  Account number XXXX Has violated my rights XXXX XXXX XXXX XXXX Account number XXXX Has violated my rights 15 U.S.C. 1681 Section 604 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.

15 U.S.C. 1681c ( a ) ( 5 ) section states No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-23 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  Account Info Account number XX Account status Closed Date opened XX/XX/1995 This account is showing a status of of opened/closed/collection. This is account is passed the 7 years mark to be on file and this account is not mine. The credit beaus has not verified this information. I have also contacted the courts and they told me they do not verify this type of account. This account need to be deleted from my report immediately. All information was mailed XXXX and i have the tracking numbers.

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 2022-04-23 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 an 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 2022-04-23 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23 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: FL

Complaint narrative:
HARD INQUIRIES CREDIT XXXX XXXX XXXX - DATE XX/XX/XXXX XX/XX/XXXX XXXX XXXX  - DATE XX/XX/XXXX XXXX  - DATE XX/XX/XXXX XXXX XXXX XXXX XXXX - DATE XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - ALL INQUIRIES

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 2022-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I applied a credit card with a limited time offer for vacation rental credit for up to XXXX dollars. I opened the card in XXXX, XXXX, and used the card for a XXXX ( vacation rental ) reservation on XX/XX/XXXX. The XXXX stayed was completed in XXXX, XXXX, which should not matter because XXXX payment was done in XXXX, XXXX. The total charge amount was more than XXXX dollars which should automatically triggered the credit. By now, it's XX/XX/XXXX ; way over two billing cycle as stated in the terms, and I still have not received the XXXX  dollar credit back. I made multiple phone calls and no one was able to resolved it for me on the phone. Every time I was told that they had opened an investigation ticket and there was nothing they can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-23 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: GA

Complaint narrative:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY ALSO USED MY ID TO OPEN AN APARTMENT LEASE IN MY NAME. THEY ALSO OPENED UP A CABLE SERVICE ACCOUNT IN MY NAME AS WELL. I AM WRITING TO REQUEST AND INITIATE A FORMAL COMPLAINT AGAINST XXXX, XXXX, AND EXPERIAN CRA & # XXXX 's. ON XX/XX/2021 I MAILED XXXX, XXXX, AND EXPERIAN TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTITY THEFT ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/OR FAILED OR REFUSED TO BLOCK USUSAGE OF THESE FRAUDULENT ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITIATE A FORMAL INVESTIGATION INTO POSSIBLE VILOATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND XXXX XXXX XXXX FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.

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