vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-17 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: DE

Complaint narrative:
IN ACCORDANCE TO WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 602-A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT ITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Sent documents to Capital One requesting copy of contact with my authentic signature that started this alleged debt. Several months has past and never received contract with my authentic signature from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: LA

Complaint narrative:
In accordance with The Fair Crediting Reporting act XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, and XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17 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: LA

Complaint narrative:
In accordance with The Fair Crediting Reporting act XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, and XXXX account # XXXX has violated my ri ghts 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 n
ot furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  account # XXXX date opened dates are different from XXXX then experian XXXX  date opened is XX/XX/XXXX experian date opened is XX/XX/XXXX date of last active are different from XXXX  then experian XXXX date of last active is XX/XX/XXXX Experian date of last active is XX/XX/XXXX please delete this account for multiply inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: AL

Complaint narrative:
I have made several attempts in trying to remove accounts, addresses, collections showing balances but closed, accounts showing late payments and are closed or charged off. Ive sent letters in the last 60 days to each collection on my reports asking for removal due to inaccuracy. Ive attempted but by phone and filing disputes online as well. And lastly, medical collections are not be removed or even disputed without less than 5 days turn around trying to validate information but nothing being provided showing proof. And businesses are running credit checks on my credit that I havent even applied for

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have made several attempts in trying to remove accounts, addresses, collections showing balances but closed, accounts showing late payments and are closed or charged off. Ive sent letters in the last 60 days to each collection on my reports asking for removal due to inaccuracy. Ive attempted but by phone and filing disputes online as well. And lastly, medical collections are not be removed or even disputed without less than 5 days turn around trying to validate information but nothing being provided showing proof. And businesses are running credit checks on my credit that I havent even applied for

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA has violated m

y rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: Transcontinental Credit & Collection Corp
State: AL

Complaint narrative:
I have made several attempts in trying to remove accounts, addresses, collections showing balances but closed, accounts showing late payments and are closed or charged off. Ive sent letters in the last 60 days to each collection on my reports asking for removal due to inaccuracy. Ive attempted but by phone and filing disputes online as well. And lastly, medical collections are not be removed or even disputed without less than 5 days turn around trying to validate information but nothing being provided showing proof. And businesses are running credit checks on my credit that I havent even applied for

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: OH

Complaint narrative:
We refinanced with loan depot in 2021. My first payment was due on XX/XX/XXXX which I made, but there was an issue with them applying the funds correctly. When I noticed the issue on XX/XX/XXXX, I submitted a secure message to loandepot asking for them to look at my account. They advised me at that time I should not make partial payments ( every two weeks ). I agreed I would not do it again and they replied to me that they posted my payments for XXXX on the XXXX. They stated my next payment due was for XXXX XXXX. I have been paying on time on what i thought was current payments this entire time. Fast forward to XXXX, where I receive an email from loan depot that they now accept partial payments. I did partial payments, come to find out they did not accept them unless you were two months ahead. I start getting collections calls because they said I was 2 months behind which is not the case. I was treated horribly and lied to by one of their reps. They told me I had a escrow shortage and my payment would go from XXXX to over XXXX and the lady was awful on the phone when I asked for proof. I then talk to a manager who says you do not have an escrow shortage she lied to you. Then I find out that they never posted my XXXX payments correctly and had me reflecting as delinquent for XXXX. I then get a check back in the mail for {$670.00}, I called and had it posted to my account immediately and I was advised someone would keep an eye on my account, so it did not get posted negative to the credit reporting agency. I escalated the issue with my XXXX payment, and I keep getting push back from the company saying I never reached out which is not the case. Had they fixed it correctly like they stated to me I would not have been a month behind this entire time. Now they are refusing to help fix the issue, and I have no idea where the {$1300.00} I paid to them in XXXX got applied. We had a ton of issues at closing too that they attempted to resolve but we were so frustrated we just gave up. This experience has been nothing short of a nightmare. I want them to fix my XXXX Payment, and i want the negative reporting removed from my credit and my husband 's credit. I should be reflecting due for XXXX and that needs fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson systems is reporting a collection on my credit report, a collection account that I have no knowledge of. I was not given notice or time to dispute before this collection was reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: TX

Complaint narrative:
XXXX XXXX XXXX is not my account and keeps appearing on my credit after deleted Inquires removal was requested several times

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Sent documents to Comenity Bank/ XXXX requesting copy of contact with my authentic signature that started this alleged debt. Several months has past and never received contract with my authentic signature from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: TX

Complaint narrative:
XXXX XXXX XXXX is not my account and keeps appearing on my credit after deleted Inquires removal was requested several times

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17 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:
XXXX XXXX XXXX is not my account and keeps appearing on my credit after deleted Inquires removal was requested several times

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
OneMain Financial is attempting to collect on an alleged debt in which they may not be the holder in due course. The debt has not been validated nor proof provided that I am obligated to pay OneMain this alleged debt. I have mailed a notarized conditional acceptance letter to the Chairman/CEO, CFO and a copy to the Attorney General of Indiana via certified mail requesting proof that OneMain is the holder in due course of this alleged debt and I am the obligated party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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 XXXXXXXX XXXX # XXXX, has violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17 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. 
XXXX Account # XXXX, has violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Grain Technology, Inc.
State: OH

Complaint narrative:
Grain XXXX has blocked account access to customers unless they upload a copy of their social security card. I am not applying for additional credit. I simply want to view my account balance and make payments. I should not have to be required to upload documents containing sensitive information to do so, nor did I have to when approved for credit. This comes off as very scammy to me. Theres no need for a credit card company to keep copies of my social security card for personal use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Didnt give consent to a hard credit pull

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Company asking for additional information that was already given ( drivers license and social security 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 explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Dear Experian In reviewing my credit report from Experian, I found unauthorized Inquiries. I made numerous attempts to resolve this matter via Experian automated service, however I had no success by phone. The following inquires are unauthorized. 1. XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX 2. XXXX XXXX inquiry date XX/XX/XXXX 3. XXXX XXXX inquiry date XX/XX/XXXX 4. XXXX XXXX XXXX XXXX  inquiry date XX/XX/XXXX 5. XXXX XXXX inquiry date XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX inquiry date XX/XX/XXXX 8. XXXX XXXX XXXX inquiry date XX/XX/XXXX 9. XXXX inquiry date XX/XX/XXXX 10. XXXXXXXX XXXX XXXX inquiry date XX/XX/XXXX Under 15 U.S Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 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 And XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17 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 XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, SXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX And XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17 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:
XXXX XXXX negative change : XXXX XXXX  New Credit Inquiry Added negative change : XXXX 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 XXXXhas violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions there is {$1000.00} penalty if you do not remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: GA

Complaint narrative:
To whom this may concern IC system is ruining my credit. I called to try and resolve the matter and repeatedly being hung up on. Theyre threatened to harm my credit .I ask to remove this from my credit report they refuse this is illegal against.

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