vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: EMCC Holdings, LLC
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
Received email to access XXXX XXXX XXXXXXXX XXXX on XX/XX/23 from Myprepaidcenter.com. Retrieved card and activated on XX/XX/23. Terms and conditions state that an inactivity fee of {$5.00} will be charged after XXXX months of inactivity. An inactivity fee was charged on XX/XX/23, which is a little over XXXX month. Called Customer Service number XXXX and there is no option to speak to a human or any way to get this corrected. NOTE : This card was sent to me in settlement of the XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: AppFolio, Inc.
State: CA

Complaint narrative:
The software, AppFolio used to manage the buildings is now going to start charging a fee to have the owners pay their monthly assessments. This company marketed this as a free service and as soon as I got the majority of my owners to pay through their software they decided to start charging {$2.00} for each ACH transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: CITIBANK, N.A.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2023-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent

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 2023-07-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I received a statement from Capital One/Walmart stating that I had made charges. I do not have a Capital One/Walmart card . The statement was sent to my previous married name. I have remarred over XXXX XXXX years ago and my name has changed. The charges totaled over {$540.00} and I have since learned upon calling Capital One that the bill is over {$800.00}. I was out of town when this card was issued ; therefore, I couldn't have opened this account. The purchases were made at Walmart supercenter # XXXX in XXXX XXXX, Id. and XXXX which is cable company. 
I received a letter from XXXX who works with the Idaho Department of Health and Welfare stating that they had a Data Breach and my data could have been stolen. At the time I was on Health and Welfare with Idaho my last name was different than it is today. That was over 13 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing this complaint on some unauthorized credit inquiries that I discovered on my credit report, none of the inquiries that I saw was not approved nor authorized by me and it violate my consumer right, In Accordance with the FCRA section 611 this companies violated my consumer right. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The United States Bankruptcy Court does not report any information to the credit bureaus and is responsible for verifying or validating information from consumers credit files. Bankruptcy filings are publicly available.

The Bankruptcy Court has no interaction with credit bureaus, including XXXX, TransUnion, and XXXX. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 
Under the Fair Credit Reporting Act, both the credit bureau and the information provider ( that is, the person, company, or organization that provides information about you to a credit bureau ) are responsible for correcting inaccurate or incomplete information in your report. The credit bureau will verify the item in question with the creditor, who must respond within 30 days. After the investigation is complete, the credit bureau will notify you of the outcome. If information on your credit report has changed or been deleted, you will receive a copy of the revised 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 non-monetary relief
Consumer complaint received 2023-07-20 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: FL

Complaint narrative:
To Whom this may concern, I have sent in Multiple disputes about following items on my credit report. and I am getting Extremely furious that nothing is being done, those accounts I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. Furthermore, I have attached a police report and FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hi, I received the letter from American Express National Bank that someone attempted to one or m ore deposit accounts in my name at American Express National Bank, and it was without my authorization, the applicant had access to my name, address an Social security number prior to presenting it to them. I know who stole my identity and i am very scared about it. Last month people called me that they are from XXXX XXXX and someone tried to use my card and I believe them. They asked to me download the app on the iphone luckily it didn't work out. They took my XXXX XXXX XXXX card number and I was told by them that they will send the link and I should authorized but I declined the request and my bank found out it was fraud .I came to know people pretend they are calling from my bank and made me fool. Also I get new credits card which I never authroirized to opne. Please let me know how I can save the identity..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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:
In XXXX XXXX XXXX I requested validation of debt for several companies all of which could not provide and therefore the accounts were to be removed from my credit report. All three bureaus didn't remove so I submitted a letter in XXXX XXXX XXXX  which has been ignored and none of the issues were removed. 

In addition all XXXX bureaus are allowing multiple companies to restart the date by reporting charge off every single month for years. I've submitted letters outlining this and they have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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:
I would like 2 months of 30 days late payment removed. I was unable to pay CC bill due to XXXX XXXX  faults. They changed systems from XXXX to XXXX and I was unable to access payment accounts from XXXX. I called numerous times to request help with the issue and to request a new card, they even removed all late fees because of my issue. Also numerous calls disconnected without call backs and their system has wait times in the XXXX minutes. The day I finally received my card I activated it and saw I was able to access my account and pay. I immediately called and paid what I could, while removing late fees, and then the day after paid the entire card. Weeks later I saw XXXX 30 days late on my credit report and that my score fell about XXXX points. Please help, I have contacted XXXX by phone and fax and they don't want to help. I am a new credit user who wanted to be careful and this is destroying my credit. Please help.

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 2023-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC
State: TX

Complaint narrative:
late on XXXX XXXX I received a call from XXXX XXXX  verification that smoeone is tryin to act as me and stealing my identity to try to obtain auto loan or auto purchase at XXXX and elsewhere including XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  or XXXX XXXX Bank and also this was filed against and still awaiting further investigation. 
They noted the fraud and I filed a police complaint and also a CFPB complaint and on one of my credit reports I see that Carvana was also inquiring and likely same attemptted fraud so I am filing this to make sure carvana will share all details of this fraud with the CFPB, any law enforcement investigators and shut this fraud down. as I never heard from Carvana at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The address on my transunion report is incorrect and needs to be changed to match the address on my XXXX report which is correct. On transunion is shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The correct address is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Attached below is my transunion address on the report which is inaccurate and also my XXXX report with the correct address.

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 2023-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OR

Complaint narrative:
I have a student loan serviced by Nelnet. My original loan ( s ) we're for {$37000.00}. I have been making payments for 17 years, and make XXXX payments a month, when I'm able. 

According to Nelnet, YTD, I have paid {$100000.00} toward my {$37000.00} loan and {$16000.00} of that is interest. I have paid almost half my loan in interest. Nelnet also says I still have {$15000.00} left to pay. I was in a graduated repayment for a long time out of necessity, which I know played a large part in this. But at this point, I feel like I'm just being taken advantage of. 

I just got off the phone with Nelnet and the customer service agent explained to me in a very convoluted way that that is not the total amount I have paid, myself. It includes the consolidation when my loan was sold to Nelnet, plus interest. The problem with this is that I shouldn't still owe {$15000.00} if that is the case. It is also my experience that everytime I have to call Nelnet I receive a different answer, depending on who I talk to. I'm certain I could call back again and speak to someone else who would tell me something completely different. 

Nelnet has been sued multiple times for fraud. It's no secret they do everything they can to extract as much money from people as possible. I don't trust what's happening to me right now, and I feel at a loss. I don't know what kind of solution there is to this other than Nelnet finding that I have, in fact, fullfilled my repayment agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: IL

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20 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: IL

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

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 2023-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have not contacted Huntington at this time due to them not being opened at this time. On XX/XX/2023, I attempted to deposit {$1200.00} to the ATM on the outside of my local branch. I did another transaction of {$380.00} since it can only read XXXX bills at a time. The first transaction read as {$1000.00}. The second transaction was accurate however.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
A couple of months ago I asked Synchrony Financial to increase my credit limit on one of my accounts with them. What happened next is Synchrony financial decided to close my largest account immediately and then started lowering my available credit on all other accounts with them. I was given email notices that my credit score was too low for them anymore. This has caused my credit score to go down even more due to lack of available credit. I have not missed a payment to them or anyone else in over 25 years. I have XXXX credit lines with synchrony, everyone of them has been affected. This closing account and reduction of credit has lowered my score enough that other accounts have also been closed by such places as staples. Another reason they gave was no real estate on my credit history. I have paid off all my loans on time or early. I own my house, shop, business lot, warehouse, and other lots without mortgages or liens of any type. I believe Synchrony financial may have violated the fair credit act that was instituted after the last financial meltdown. I have never declared bankruptcy or had a judgement against me. When I last contacted them about this I was told that it was automatic and no one there could change anything about the decision. Thanks for your time.

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