vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of Estoppel of silence, XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX, XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists pursuant to 15 USC 1681e ( b ). I owe no debt, this company is violating my consumer rights to privacy pursuant to 15 USC 1681-B2 company has NO PERMISSION to report my information per 15 USC 1681e ( b ).

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 2024-05-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2019, XXXX XXXX XXXX XXXX placed a collection on my account for {$5400.00} - I have never done business with the original creditor : XXXXXXXX XXXX  at the XXXX FL they have linked this debt to my name that does not belong to me, tthis is not my debt a. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse. My information continues to be sold & shared illegally which is a violation of my right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: FL

Complaint narrative:
it shows on my credit that on XX/XX/XXXX and XXXX, 2024 my credit was ran through several companies for either and auto loan or lease as i was reviewing my credit I saw these inquiries on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
it shows on my credit that on XX/XX/XXXX and XXXX, 2024 my credit was ran through several companies for either and auto loan or lease as i was reviewing my credit I saw these inquiries on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Im a person of identity theft. So Chase told me to reopen a new account. Which I did. I needed money because I needed to pay my taxes due to my other bank waiting a few days to give me a provisional credit so my boyfriend signed over his payroll check over and I mobile deposited it. On XX/XX/2025 we went inside the bank to deposit the check in person because the fraud department said they needed proof of my boyfriend. So he came with me with his id and the check and everything, the teller said that we could deposit the check and we showed proof then noticed my account was still restricted. The banker called the fraud department and told them that we couldnt unrestricted the account even with proof of my bf there because he needed a verified phone number. Both of our numbers are under our names. I called my carrier XXXX  times and they told me they dont put names in public records and doesnt know what Chase is talking about. I called Chase so many times. And the fraud department gave me so many different answers. The run around. We even got a us cellular phone put under his name and it still wasnt good enough, they wont release our funds and they closed my account and took the money. XXXX banker even said after the account is closed I could go to the bank and receive a the check, the supervisor of the fraud department said that wasnt possible still due to a unverified phone number. Which I have all the receipts that the numbers are under our names and deposit receipts. Smh. They basically took our money and wont release our funds! Ive been with Chase for XXXX years! I cant even see my closed account. Its gone from my online portal and my savings is next to be closed. Im so XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HUNTINGTON NATIONAL BANK, THE
State: CT

Complaint narrative:
I sent them a letter asking for documentation about the debt and never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Birchwood Credit Services, Inc.
State: MA

Complaint narrative:
I have a few hard inquiries that i do not recognize nor did i give permission to happen. 

XXXX XXXX XXXX Birchwood credit XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On my trans union credit report frsns union has not remove the XXXX negitive items from my report i have a federal trade identity report on file trans union supposed to block those XXXX negitive items and remove all XXXX hard credit inquires my social is 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 2024-05-01 00:00:00
Product: Credit reporting 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:
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.

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 XXXX years. 

15 U.S.C. 1681s-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 2024-05-01 00:00:00
Product: Credit reporting 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:
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.

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 XXXX years. 

15 U.S.C. 1681s-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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the 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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Hi there and good day I noticed there are a few things on my XXXX credit reports, that are inaccurate. I contacted all the companies and ask them to correct their inaccurate information with all XXXX credit bureaus. I explained I never gave permission for my credit to be ran with these companies. I contacted the credit bureaus and requested this inaccuracies to be removed. The information has not been removed. Please have them remove this off my credit reports. 



XXXX. ) CAPITAL ONE ( Bank ) - XX/XX/XXXX XXXX ) CAPITAL ONE AUTO - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-02 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
Per the Federal Credit Reporting Act as federally protected consumer pursuant 15 USC 6802 I XXXX XXXX am now OPTING OUT of any and all authorization I the consumer may have given to Capital One Auto Finance written, unwritten, verbal nonverbal to report my non-public personal information. Capital One Auto Finance is in violation of the Privacy Act of 1974 also 12 cfr 1022.24 Reasonable opportunity to opt out because I was never notified by Capital One Auto Finance that my non-public personal information would be shared with Third party affiliated such as XXXX, XXXX, and XXXX and I was never given the opportunity to opt out which 15 USC 6508 states I have the right to opt out on anything reported on my credit report and I supposed to receive opt out option every XXXX days which Capital One Auto Finance did not provide im hereby exercising my rights under 16 cfr 313.7 according to 15 USC 6802 I was supposed to receive XXXX different disclosures before my non-public personal information was shared but never received notice. To conclude XXXX, XXXX, and XXXX is in violation of 15 USC 1681sec 604a sec 2 because it states a reporting agency can not furnish an account without written instructions I did not give written instructions to XXXX XXXX and XXXX to report Capital One Auto Finance account and supporting sharing my non-public personal information such as transaction history and balance. I did not give written instructions or written consent for my non-public personal information and did not give consent for those agencies to report Capital One Auto Finance account on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: ND

Complaint narrative:
I opened a managed investment account with Moneylion. I put around XXXX $ into the account, and now I want to withdrawal my funds on XXXX. XXXXas told it would take XXXX business days to complete. Then I got a email to confirm my identity, was instructed to take a photo of my ID was I did and completed. As of today XXXX I still have had no luck in receiving my money, I've called mupitle times and have gotten no where.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I have been trying repeatedly since XXXX to have my name added to the account for the mortgage on the home I XXXX  from my XXXX mother so that I could communicate with the mortgage holder, NewRez ( formerly XXXX Mortgage ). I always send them what they ask for and they never follow through. I live in fear every day that something will happen and I will lose my home because of NewRez 's refusal to speak with me about my account. It has already cost me my homeowners insurance policy and I am now forced to purchase a fraction of the coverage needed through NewRez for triple the cost ( or more ). I recently engaged an attorney to help me resolve this and learned that NewRez is in violation of the XXXX XXXX XXXX XXXX XXXX by not allowing me to assume my XXXX  mother 's mortgage. The attorney sent a letter to NewRez concerning this violation which they ignored. I make the monthly mortgage payment and I pay the annual property tax. My name is on the deed and the property tax statement. 

At a minimum, I have provided the required documentation to NewRez on the following dates. There are more but these are the ones I have at my fingertips : XX/XX/XXXX ( XXXX Mortgage ), XX/XX/XXXX ( NewRez ), and XX/XX/XXXX ( NewRez, after which my insurance company cancelled my homeowner 's policy on XX/XX/XXXX ),

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payment : {$14000.00} as of XX/XX/XXXX Account closed : XX/XX/XXXX Account open : XX/XX/XXXX Status : XXXX Closed In accordance with the fair Credit reporting Act this company and all three credit agencies violated my rights under 15 USC 1681 section 602 state I have the right to privacy ( 15 USC 1681 ( Section 604 a section 2 : ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. But as you can see in the documents I was never late. I made my payments on time and had and card on file making auto payments.There may have been an billing error. The information that's reporting is not 100 % accurate. I want to reinvestigate this issue immediately under 15 USC 1681i ( a ) ( 1 ) ( A ), 15 USC 1681 ( 5 ) ( i ) ( ii ). EXPERIAN IS REPORTING ILLEGAL INFORMATION THAT IS NOT VALID OR ACCURATE. INFORMATION NEEDS TO BE UPDATED. I WANT THE INVALID LATE PAYMENTS FOR XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. THE LATE PAYMENTS ARE NOT VALIDATED OR ACCURATE.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the account, as I continue to dispute the presence of fraudulent account on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and XXXX removed this account from their records. I have also directly contacted the bank associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I am requesting to dispute an account on my credit report that has not been removed despite multiple requests. The account in question is listed as SANTANDER account # XXXX, and it is negatively impacting my credit score. I have made several attempts to rectify this matter by contacting both the credit bureaus and the creditor responsible for reporting this information. Despite my efforts, the account remains on my credit report, which is unfair and inaccurate. 
I would like to emphasize that this account is erroneous and does not belong on my credit report. I have provided evidence to support my claim and have followed all necessary procedures outlined by the Fair Credit Reporting Act ( FCRA ) in disputing the validity of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
On dates XX/XX/year> and XX/XX/year> there has been false permission on my credit report from the creditor name ONEMAIN. Due to 15 U.S. code 1681b - Permissible purposes of consumer reports i demand these inquiries to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting 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:
I HAVE BEEN INTERVIEWED BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX THE SQUATTER STILL LIVING AT XXXX XXXX XXXX ILEGALLY WITHOUT XXXX INTERVENTION. I MADE THE POLICE REPORT AS XXXX XXXX  XXXX XXXX XXXX AND CONDUCTED THE AFFIDAVIT OF XXXX XX/XX/XXXX. HE CASHED XXXX XXXX  IN MY NAME IN WHICH I AM TOLD ON XX/XX/XXXX BY XXXX XXXX XXXX THAT UNDER THAT FAKE SSN NUMBERS XXXX AND XXXX WENT INTO AN ACCOUNT AS XXXX XXXX XXXX AND HAS MY LOSS XXXX AND XXXX BENEFITS ALL THERE HE STOLEN. 

XXXX XXXX XXXX  STATEMENT, XXXX XXXX ON XX/XX/XXXX AT XXXX SPOKE XXXX MINUTES, A GUY NAME XXXX XXXX ARE LYING SAYING THAT XXXX XXXX HAS CLEAR TITLE BUT ARE XXXX XXXX TITLE IN THIS FILE AND ADDED TO YOUR LOAN XXXX ANOTHER ONE AS XXXX FOR XXXX TO XXXX XXXX XXXX XXXX 

YOU MUST RELEASE THE CLAIM XXXX AND CLAIM FORM WITH COPIES OF THE XXXX YOU PURPOSELY GAVE TO THE SQUATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting 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: VA

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 XXXXXXXX acct number XXXX, XXXX Acct number XXXX, and XXXX acct number 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.

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 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 explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
There are over XXXX unauthorized inquiries on my credit report that are fraudulent I reached out to the original creditors and received no response these accounts need to be removed 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