vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act Capital One ( XXXX XXXX  Account ending in XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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:
I want these accounts removed off my credit reports because of fraud, all these accounts were open fraudulently, my information was exposed in a data breach with XXXX, these creditors are providing false information to experian and XXXX, I will provide a ftc identity theft report, and my personal information to block these accounts once removed, XXXX XXXX remove this account, I called because a card was sent out to me for an account I did not open remove this account I ask XXXX XXXX to remove this because its fraud, XXXX XXXX XXXX XXXX credit card remove this XXXX XXXX XXXX XXXX has committed fraud against me, enhanced recovery for XXXX dollars original creditor XXXX this account is fraud because XXXX leaked my information on the dark web, I have filed complaints with both attorney general in ga and XXXX  XXXX, XXXX credit card please remove this account is fraud my information matched because someone open this account fraudulently, XXXX XXXX car loan, remove this account is was open fraudulently using my information because of XXXX XXXX breach, 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 2022-05-05 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: OH

Complaint narrative:
The following inquiries listed were not initiated by me ; 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 
The accounts listed on the report are fraudulent and were not initiated by me. I have no business with these companies ; XXXX, XXXX XXXXXXXX XXXX XXXX XXXX 
May have happened when losing my wallet I have reported them as identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 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:
According to the Fair Credit Reporting Act 15 USC 1681. The List of accounts below has been violated and I demand, they are deleted immediately.

Under 15 U.S.C. 1681 Section 602 ( A ) states my rights to privacy, which your company is in violation of.

Under 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) Also states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have not and do not give you consent to post the following items on my consumer report. 

Accounts XXXXXXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXX XXXX  XXXX Date XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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:
According to the Fair Credit Reporting Act 15 USC 1681. The List of accounts below has been violated and I demand, they are deleted immediately.

Under 15 U.S.C. 1681 Section 602 ( A ) states my rights to privacy, which your company is in violation of.

Under 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) Also states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have not and do not give you consent to post the following items on my consumer report. 

Accounts XXXXXXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date XX/XX/XXXX SXXXX XXXXXXXX XX/XX/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 2022-05-05 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 XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681section 602 A. States I have the right to privacy.

15 U.S.C 1681section 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 2022-05-05 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681section 602 A. States I have the right to privacy.

15 U.S.C 1681section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 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: IN

Complaint narrative:
On XX/XX/2021 an unverifiable account was removed from my XXXX credit report due to XXXX not being able to verify or validate the account. I sent Transunion and XXXX a copy of the report showing XXXX deleted the account and TransUnion and XXXX says the account will remain without sending me the proper documentation as to why they are not following suit. The account should be deleted, it does not belong on my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I RESPECTFULLY REQUEST FOR THIS COMPLAINT TO BE REVIEWED BY A HUMAN BEING AND NOT AN AUTOMATED SYSTEM. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2014 Credit Limit : {$5000.00} XXXX XXXX Account Number : XXXX is my oldest tradeline account with excellent payment history and, contributes positively to my average age of accounts. I never requested or consented for the removal of this account from any of my credit reports. Because the account was removed in error, it severely impacted the average age of my accounts. To help fix the problem, I submitted complaints to the credit bureaus to advise that the account number reported was not congruent throughout all three credit bureaus- Experian, XXXX, and XXXX. Experian reports the account number as XXXX, while both XXXX and XXXX report the account number as : XXXX. In addition, the payment history for this account was also reporting inaccurately, late payments. I was never late because I had a written agreement in place authorizing payments from my bank account. 

The response received from the credit bureaus after I submitted multiple complaints to them is that the account is not on my report and that they will send me a new credit report to reflect this update. THIS IS NOT MY REQUEST!!! I never requested or authorized anyone to remove the account from my credit report in the first place. Therefore, I demand for the account to continue reporting on Experian, XXXX, and XXXX. 

Attached is documentation in support of this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America informed the credit agencies under my credit history that my VA mortgage went into repossession or foreclosure. I paid off my loan with the sale of my house in XX/XX/XXXX. I challenge Bank of America in XXXX of XXXX when I was trying to qualify for a XXXX loan. BOA did not make a correction at my request, and sent me a letter dated XX/XX/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 2022-05-05 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:
I have reported this account many times to Equifax over the past year, showing Equifax there is no creditor name or company reported at all. Equifax continues to state the account has been " verified as accurate ''. How can this account be " verified as accurate '' when there in no creditor even reporting? Also, this account is reporting it was opened in XXXX XXXX  when the account is supposedly FIVE YEARS OLD. Isn't that re-aging the account to make it appear newer? And isn't that considered a violation? 
How is this account considered accurate when the information reporting on my credit report is blatantly incorrect? Equifax 's incorrect reporting and failing to respond to my requests is affecting my credit score and preventing me from obtaining credit opportunities. Does an actual person work there or is everything automated? Additionally, could you please provide me information on steps to taking legal action for Eqiufax 's continued negligence in the reporting of incorrect information. It makes me wonder how many other people are being affected by Equifax 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I submitted a payment through their on line application. I didnt receive a confirmation do I did the transaction again. I still didnt receive a confirmation so I did it a XXXX XXXX time. They on line banking system messed up and Im paying for it by losing interest! I now have a credit of {$10000.00} I tried to do a charge Sunday night and it was declined. I called and spoke to an agent who said it would be returned in 2-5 days. So I called AGAIN today to be told it could take up to XXXX days to get my credit back. Ive been in banking for XXXX  years so I know how electric services work. Im furious over this! I want a complaint filed against unethical practices by Bank of America Credit card!

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 monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
This is showing as delinquent when it shouldn't be showing as such. Please see attached. I have a letter from XXXX showing that this was an error on their end and this should be corrected. Letter attached. The tradeline reports no lates in 24 months so the 90 day late should be removed

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

Complaint narrative:
I'M LOOKING FOR SOME ASSISTANCE WITH DEALING WITH A COUPLE OF FRAUDULENT ACCOUNTS THAT ARE REPORTING ON MY CREDIT REPORT. THESE ACCOUNTS WERE OPENED WITHOUT MY KNOWLEDGE I WAS HOPING TO GET THEM REMOVED FROM MY REPORT AS SOON AS POSSIBLE BECAUSE IT'S CAUSING ME STRESS AND KEEPING ME FROM BEING ABLE TO BUY A NEW HOME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 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: CA

Complaint narrative:
I'M LOOKING FOR SOME ASSISTANCE WITH DEALING WITH A COUPLE OF FRAUDULENT ACCOUNTS THAT ARE REPORTING ON MY CREDIT REPORT. THESE ACCOUNTS WERE OPENED WITHOUT MY KNOWLEDGE I WAS HOPING TO GET THEM REMOVED FROM MY REPORT AS SOON AS POSSIBLE BECAUSE IT'S CAUSING ME STRESS AND KEEPING ME FROM BEING ABLE TO BUY A NEW HOME.

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

Complaint narrative:
Hello My name is XXXX XXXX. Im writing this complaint in response to Complaint XXXX and XXXX. This complaint is in regards to both XXXX & TransUnion for violating my rights to privacy. Its been submitted well over 30 days ago without a response. By law these items need to be removed from my consumer report. Both XXXX & TransUnion have taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false information to my consumer report without my lawful authority. 


This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency to furnish any of these items to my consumer report. It is my belief that the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ) parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm trying to request my annual credit report today and it will not work. After further research, I believe it may be because the addresses I've put in. I have moved around a decent amount in the last few years and can't seem to get any of the addresses I give to verify my identity enough to get the information. Is there some way I can still do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm trying to request my annual credit report today and it will not work. After further research, I believe it may be because the addresses I've put in. I have moved around a decent amount in the last few years and can't seem to get any of the addresses I give to verify my identity enough to get the information. Is there some way I can still do 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