vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-20 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: MS

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 Acct # XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct 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. 

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 2023-02-20 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: MS

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 Acct # XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct 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. 

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 2023-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WorldRemit Corp.
State: IA

Complaint narrative:
Not access to my account. 
When trying to access my account they informed that username/password was invalid. 
After reseting the information still not access, tried to reach out cx service but since I didn't have a case number wasn't able to connect with operator. I was referred to the website where there was no other solution than reset the password. I'm going in circles not able to accessing my account and no solution or answer has been provided by Worldremit Corp .

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I had originally took out a {$5000.00} private student loan through Sallie Mae. The loan was then sent to Navient for servicing. I have been paying on the loan for 10 years. I've paid over {$9000.00} on a loan that was only {$5000.00} and still have a balance of {$1600.00} left. I was told that the rate was variable which was never discussed with me when I took out the loan. Currently the interest rate on the loan is 15 % and I was advised that nothing can be done to lower it because it is based on the federal reserve. At this rate, I am never going to be able to pay the loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: FL

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. 
These Accounts below are reporting late payments and that is inaccurate and that also is a violation. Late payments are illegal 15 USC 1666B States Timing of payments. 
1.CXXXX XXXX Opened : XX/XX/XXXX Account # XXXX {$420.00} 2 Late Payments inaccurate please remove. illigel report. 
Violation 2. XXXX XXXX Opened : XX/XX/XXXX Account # XXXX {$8000.00} Please Remove these late payments there's 90 days late and that is inaccurate. illegal 15 USC 1666B States Timing of payments. 
Violation 3.XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Account XXXX XXXX Please Remove these late payments there's 90 days late and that is inaccurate. illegal 15 USC 1666B States Timing of payments. 
Violation 15 U.S. Code 1605 - Determination of Charge 4. XXXX Opened XX/XX/XXXX Account # XXXX Unauthorized account/ I have no knowledge of this account. Please remove it from the credit report. 
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. 
Violation 5. XXXX XXXX XXXX Opened XX/XX/XXXX Account # XXXX Please remove this immediately USC 1666B States Timing of payments. 
15 U.S. Code 1605 - Determination of Charge Violation 6.XXXX XXXX opened XX/XX/XXXX {$3800.00} Opened XX/XX/XXXX {$2000.00} Account # XXXX 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. 
USC 1666B States Timing of payments. 
15 U.S. Code 1605 - Determination of Charge Violation 7XXXX XXXX XXXXXXXX XXXX Duplicate account ( Double jeopardy ) Account # XXXX Opened XX/XX/XXXX {$1700.00} 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. 
USC 1666B States Timing of payments. 
15 U.S. Code 1605 - Determination of Charge Violation

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 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi There was a fraud account that was removed from my credit because of fraud and the fraudsters even went to prison but XXXX XXXX and Equifax are refusing to remove and I have made several attempts to doing this myself. This account need to be gone immediately. This is a breach of contact as well of the hippa law! Under the 15 u.s.c S1681i ( 7 ) method of verification as well as blocking of fraud use 1681 15 c ( b )!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
On XX/XX/ I received a debt collection statement from Helvey & Associates representing XXXX XXXX Ohio & Kentucky in the amount of {$140.00} for account XXXX ( see attached Ref # XXXX ). I am a customer of XXXX XXXX in North Carolina. I contacted XXXX XXXX XXXX Customer Service department. I spoke to XXXX and then to XXXX with XXXX XXXX and was told there was an account set up in the name of XXXX XXXX XXXX for XXXX XXXX XXXX, XXXX, Kentucky on XX/XX/XXXX @ XXXX and was active through XX/XX/XXXX. I registered a complaint that this account was not mine. XXXX called me back after speaking to her supervisor and advised me to start this process. 

I also completed and returned the form ( Ref # XXXX ) to Helvey and Associates stating that this was not my debt.

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 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute information in my credit report that is inaccurate and has been reported in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). I have discovered errors in my credit report that have negatively impacted my credit score, and I am requesting that these errors be corrected immediately. 

I have identified the following accounts that are reported inaccurately : XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX  XXXX charge off account OAG CHILD SU XXXX charge off account XXXXXXXX XXXXXXXX charge off account XXXX XXXX collection account XXXX  collection account XXXX XXXX collection account XXXX XXXX  XXXX charge off account XXXX XXXX charge off account XXXX XXXX XXXX XXXX XXXX XXXX charge off account XXXX XXXX XXXX XXXX XXXX XXXX charge off account XXXX XXXXXXXX XXXX XXXX account XXXX XXXX XXXX charge off account XXXX XXXX XXXX XXXX XXXX XXXXXXXX collection account XXXX XXXX  XXXX collection account XXXX XXXX XXXX XXXX XXXX XXXXXXXX collection account XXXX XXXX XXXX collection account XXXX XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXXXXXX XXXX XXXX XXXX A XXXX collection account XXXX XXXX XXXX XXXX collection account XXXX XXXX XXXX collection account XXXX XXXX XXXX collection account XXXX XXXXXXXX charge off account XXXX XXXX XXXX XXXX off account XXXX XXXXXXXX  XXXX charge off account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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. XXXX XXXX # XXXX 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 : XXXX & XXXX XXXX # XXXX 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 ) ( XXXX ) 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 2023-02-20 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: TX

Complaint narrative:
Equifax and XXXX are report inaccurate information on my consumer on my credit file and its affecting my ability to get personal things in my name that I need. I filed a dispute with both companies stating that there is inaccurate and fraudulent information being reported when it shouldnt be. 

XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX  XXXX XX/XX/2021 - {$4300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$21000.00} XXXXXXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: FL

Complaint narrative:
I'm a consumer by law. I didn't submit this in error. I never gave Equifax my explicit written permission to report my private information. I'm seeking compensatory damages and asking for my private information to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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 account list below 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  has violated my rights. Or a list of inquiries 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 or 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 2023-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I contacted CapitalOne regarding the interest earned on my savings account. My deposits in XXXX only earned a 30bps yield in Q4. I called on XX/XX/XXXX ( XXXX EST ) to ask why my account was not earning the 3 % + rates they were advertising on their website. The customer service agent I spoke with was named XXXX XXXX XXXX ). She explained that I had an older type of savings account called " 360 savings account '' and that only the newer " 360 performance savings account '' earns the higher interest rate that are advertised. She further explained that the types of savings accounts were identical to each other ( no fees, etc. ), but the only difference was the yield of the account. I asked why my yield was not changed and/or was not upgraded given that is the only savings account they're offering to the public at this time. She did not offer an explanation but stated it's my responsibility to check yields and that they're available on their website. 

I have had the money in the account for 10+ years and never once was notified that my account type was " old '' and wouldn't receive higher interest rates. The CapitalOne service agent did say they have received numerous complaints about this, but the only thing I can do is open a new account and transfer deposits into it. They could not pay me for the interest I didn't earn because my account type was " old ''. I believe this is a bait and switch tactic to get people in the door, advertising high interest rates, but then they don't notify customers their accounts are obsolete and won't earn higher interest. This practice is unfair to the customer and not ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On Monday XXXX, 2023 I received a letter from Chase Bank to verify if it was me who apply for a Chase Sapphire Visa Signature account with my name and social security. I did not apply for a account with them and/or with any other bank. I called the number from the letter ( XXXX ) and reported this application as a fraud. The bank representative said they were canceling the application. The application reference number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several accounts that are appearing on my credit report. The accounts in question are as follows : XXXX XXXX XXXX, account number XXXX, charge off account XXXX XXXX, account number XXXX, charge off account XXXXXXXX XXXX, account number XXXX, charge off account XXXX XXXX XXXX, account number XXXX, charge off account XXXX, account number XXXX, charge off account XXXX XXXX account number XXXX, charge off account XXXX XXXX, account number XXXX, charge off account XXXX XXXX account number XXXX, charge off account XXXX XXXX, account number XXXX, charge off account XXXX XXXX XXXX XXXX account number XXXX, charge off account XXXX XXXX XXXX XXXX, account number XXXX, charge off account XXXXXXXX XXXX, account number XXXX, charge off account XXXX, account number XXXX, charge off account XXXX, account number XXXX, charge off account XXXX XXXX, account number XXXX, charge off account XXXX XXXX, account number XXXX, charge off account XXXX XXXX account number XXXX, charge off account XXXXXXXX XXXX XXXX, account number XXXX, charge off account XXXX, account number XXXX, charge off account XXXX XXXX  XXXX account number XXXX, charge off account XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX account number XXXX, collection account I am disputing these accounts for several reasons, including but not limited to the following : The debts have already been paid in full and should not appear on my credit report. 
The debts have been settled or discharged through bankruptcy proceedings. 
The accounts do not belong to me and XXXX be the result of identity theft or a reporting error. 
The accounts contain inaccurate information or have been reported in error. 
I am requesting that these accounts be thoroughly investigated and, if found to be inaccurate or unverifiable, be removed from my credit report immediately. I understand that the Fair Credit Reporting Act ( FCRA ) requires you to investigate any disputed accounts within 30 days and respond to me with your findings. 

Please let me know if you require any further information from me in order to investigate these accounts. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20 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: NC

Complaint narrative:
Experian report # XXXX is reporting the following 24 addresses fraudulent. 
XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20 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: NC

Complaint narrative:
Experian report # XXXX is reporting the following 24 addresses fraudulent. 
XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX, XXXX address ID # XXXX

Company response to consumer: Closed with non-monetary relief