vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXXXX/XX/2023 - Unauthorized Inquiry XXXX XXXXXX/XX/2023 - Unauthorized Inquiry XXXX XXXXXX/XX/2023 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to XXXX5 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-06-07 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the DELETION of the accounts listed immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: TX

Complaint narrative:
I did not authorize XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX of XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX. Please remove this thanks

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 2023-06-08 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: FL

Complaint narrative:
My heart sank as I received the disheartening news : my dream of buying a home had been shattered due to the discovery of identity theft. The shock washed over me like a wave, leaving me feeling vulnerable and betrayed. How could someone steal my identity and jeopardize my aspirations? The sense of violation and injustice consumed me as I grappled with the harsh reality before me. In this moment of despair, I knew that I had to gather my strength, reach out to authorities, and take immediate action to rectify the situation. It was time to rebuild not just my credit, but also my trust in the system, and ensure that my dreams would not be forever deferred.

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 2023-06-08 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:
My heart sank as I received the disheartening news : my dream of buying a home had been shattered due to the discovery of identity theft. The shock washed over me like a wave, leaving me feeling vulnerable and betrayed. How could someone steal my identity and jeopardize my aspirations? The sense of violation and injustice consumed me as I grappled with the harsh reality before me. In this moment of despair, I knew that I had to gather my strength, reach out to authorities, and take immediate action to rectify the situation. It was time to rebuild not just my credit, but also my trust in the system, and ensure that my dreams would not be forever deferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: 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. 

The letters are stated with items and issues. 

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 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 2023-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/XXXX - Check XXXX for {$3500.00} sent to XXXX XXXX XXXX at subcontracted consultants home. 
XXXX  - Check cashed at XXXX XXXX XXXXXXXX ( not a XXXX XXXX  has ever had account with ; signature she does not recognize. 
XXXX  Consultant says she never received check. I call bank. They say check was cashed on XXXX at XXXX XXXX XXXX XXXX  I was eft on hold phone for long time XX/XX/XXXX I was left on hold phone for long time XX/XX/XXXX I was left on hold phone for long time XXXX  I spoke with XXXX at Capital One who tells me dispute is now an open investigation and they will get back to me within 15 days. 
XX/XX/XXXX - On phone, she tells me that she has sent an email to XXXX the Capital One investigator and that he will get back to me. Hes waiting to hear from XXXX XXXX  XXXX. No affidavit needed. 
XX/XX/XXXX I get an email requesting affidavit from milestones XX/XX/XXXX I spoke with XXXX in person at XXXX XXXX Capital One branch XXXX He talked to person who talked to investigator. They said no timeframe for these things but theyre working on it and will get back to me. 
XX/XX/XXXX - Consultant fills out and sends me affidavit XXXX XXXX I receive affidavit ( filled out as Consultant not as XXXX  ) XXXX  - I scan and email affidavit and a document showing Consultant link to Milestones ) as requested to Capital One. 
XX/XX/XXXX I went to Capital One branch in XXXX XXXX and talked with XXXX. Put in a complaint. They said it could take a while. Maybe call on Friday. 
XXXX  - On phone with XXXX and had to describe the whole situation again. She informed that Capitol One is waiting on XXXX XXXX  XXXX to return the funds and they have opened their own investigation. No time frame. I told them I would file complaint with CFPB XXXX XXXX On phone with XXXX. He said that they acknowledge this as fraud and have submitted documents to Bank XXXX XXXX but have not heard back, and theres nothing more XXXX XXXX can do. I asked him to put pressure on XXXX XXXX  XXXX. I asked him who I could talk to at XXXX XXXX XXXX and he said I could try calling their fraud department. I told him that this is between Capitol One and XXXX XXXX XXXXXXXX so why should I be robbed? If I didnt care about the security of sending {$3500.00}, I could have sent cash. Using their check is supposed to protect me from this. He tried to soothe me but said its up to XXXX XXXX XXXX. 
XX/XX/XXXX Initiated complaint with CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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:
When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/2023, my husband and I had the pleasure of meeting with XXXX XXXX XXXX, a sales representative from XXXX XXXX, who sold us XXXX windows for our home. During our meeting, XXXX XXXX assured us that we were approved for a payment plan of {$190.00} per month with no interest for 18 months. In order to proceed, I signed a release for my credit report to be accessed. 

Unfortunately, due to technical difficulties with his device, XXXX XXXX was unable to provide us with any paperwork or contracts at the time. He assured us that XXXX would send us all the necessary documentation. However, despite my repeated attempts via phone calls and emails to XXXX XXXX, I have not received any response or the requested paperwork. 

To add to our frustration, on XX/XX/XXXX - XXXX, the windows were installed in our home, with the exception of a XXXX obscure window for our downstairs bathroom. Instead, a clear window was sent, contrary to XXXX XXXX 's promise of an obscure window. This discrepancy has yet to be rectified. 

Further complicating matters, on XX/XX/2023, I received a letter from Service Finance stating that a payment of {$380.00} was due on XX/XX/XXXX. This came as a surprise, as the agreed-upon terms were vastly different from what was stated in the letter. Upon contacting Service Finance, I discovered that a contract had been signed with my misspelled name and my husband 's name, outlining payment terms of {$380.00} at 17.99 % interest. I must emphasize that I had never seen nor agreed to these terms until XXXX XXXX XXXX from the complaint department at Service Finance sent me the contract. 

Despite XXXX XXXX 's efforts to contact XXXX. XXXX XXXX XXXX on my behalf, I have received paperwork on the windows but no communication or documentation from XXXX XXXX. Additionally, XXXX XXXX XXXX of XXXX XXXX XXXX has yet to respond to my inquiries regarding the fraudulent contract addendum and the promised corrections, as well as the installation of the bathroom window.

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 2023-06-07 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: CA

Complaint narrative:
I called Experian on Wednesday, XX/XX/, on or around XXXX XXXX PDT. I was on a long hold. Then an agent in XXXX XXXX dispute department answered. His name was XXXX. He alleged he couldnt hear me on the line. He said he cant hear anyone on the line and then disconnected the phone. There was nothing wrong with my phone. In order to get to a dispute agent, I had to interact verbally with Experians Interactive Voice Response System ( IVR or automated system ). Experians IVR requires the consumer to speak aloud in order to get transferred to the correct department. I didnt have any problems with the IVR while speaking out loud and the system acutely understood me. I then immediately called a colleague to test my phone. My colleague said I sounded loud and clear. Experian has many phone problems and it is egregious. This was not a one-time isolated event. This is a pattern of behavior for Experian.

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 2023-06-07 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-06-07 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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX  Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 
1. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022

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 2023-06-07 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: CA

Complaint narrative:
A bunch of accounts that are open in my name and incorrect information on my report and I want a thorough investigation of my 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 2023-06-07 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: CA

Complaint narrative:
A bunch of accounts that are open in my name and incorrect information on my report and I want a thorough investigation of my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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:
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. 

The letters are stated with items and issues. 

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 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 2023-06-07 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: 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.

The letters are stated with items and issues.

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 A
ny 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