vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-27 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX and XXXX XXXX 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, Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
My wife 's XXXX account was hacked and my credit card information was in her account. She received an email stating that my credit card was declined for a purchase made for {$220.00}. She immediately changed her XXXX password and I called the credit card company to report this fraudulent transaction. The credit card company cancelled the credit card and issued me a new card. I also have the name and address of the person who tried to make this purchase. the name of the person who tried to make this transaction is XXXX XXXX XXXX and his address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX. It happened today XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: OKX INC.
State: FL

Complaint narrative:
Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX which were transferred from my wallet utilizing your services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: LA

Complaint narrative:
I recently challenged the validity of XXXX, XXXX account that is being reported on my most recent credit report. Upon this challenge, XXXX deleted the account based on lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with XXXX, the account was verified. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting information used to verify this account in writing. If such documents can not be produced, please delete the account listed above from my credit report immediately. I have personally contacted XXXX, XXXX many times over a XXXX period and have yet to receive any supporting documents.

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 2022-06-27 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 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 2022-06-27 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I am going through a divorce with my spouse, who is supposed to be making the payments by XXXX XXXX XXXX. He has not been following this obligation. I have received multiple communications ( excessive of 7 communications in a 7 day period ), this is simply a sampling from XX/XX/XXXX, but noticeably began in XX/XX/XXXX. When I spoke to the company representatives, they informed me that a full payment was required or there was nothing they could do to stop repossession or pull it back into good standing. They have also frozen my credit card account which has a {$0.00} balance, because this account is past due. These communications were from the Collections Department at Capital One for an Auto Loan on a XXXX XXXX XXXX, and were communicated as efforts to follow up and collect on this debt. 

Phone Calls XX/XX/XXXX - XXXX call XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX call XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX call, XXXX returned call requesting no further contact by phone, email only. requested to speak with a supervisor on the call - declined, asked for email correspondence - declined, sought administrative assistance and the representative could not explain the definitions of " qualifying '' events or criteria. 
XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX calls XX/XX/XXXX - XXXX call XX/XX/XXXX - XXXX calls. XXXX accepted, asked to stop calling and to email, XXXX call declined. 
XX/XX/XXXX - XXXX calls Emails XX/XX/XXXX XXXX XX/XX/XXXX x XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Letters XXXX correspondence in XX/XX/XXXX related to debt XXXX correspondence requesting I open new accounts, being " pre-approved '' Text Messages XXXX text messages plus auto responses Voicemails XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemails XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemails XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemails XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemail XX/XX/XXXX - XXXX voicemail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX have 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 2022-06-27 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX and XXXX 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 : 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 2022-06-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have an authorized inquiries on my credit report XXXX - XX/XX/XXXX EXPERIAN XXXX CRED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently checked my credit report and I noticed XXXX unauthorized inquiries from unknown companies on my credit report that I am unaware of. XXXX inquiry is from XXXXXXXX XXXX XXXX, and the other inquiry is from US SM BUS ADMIN XXXX. These inquiries are unknown to me.

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 2022-06-27 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: AL

Complaint narrative:
After reviewing my credit report I noticed that This account from XXXX is a fraudulent account that was opened up in my name and it does not belong to me. Not only is it a Fraudulent account its reporting different dates as well as different balances across each credit bureau. 

XXXX XXXX XXXX Opened on XX/XX/2013 {$20000.00} XXXX XXXX XXXX Opened on XX/XX/2013 {$20000.00} Equifax XXXX XXXX Opened on XX/XX/2013 {$14000.00} This account has been opened in my name fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: AL

Complaint narrative:
After reviewing my credit report I noticed that This account from XXXX is a fraudulent account that was opened up in my name and it does not belong to me. Not only is it a Fraudulent account its reporting different dates as well as different balances across each credit bureau. 

XXXX XXXX XXXX Opened on XX/XX/2013 {$20000.00} Experian XXXX XXXX Opened on XX/XX/2013 {$20000.00} XXXX XXXX XXXX Opened on XX/XX/2013 {$14000.00} This account has been opened in my name fraudulently.

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 2022-06-27 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX and XXXX XXXX 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, Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-06-27 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX and XXXX XXXX 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, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX and XXXX 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 : 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 2022-06-27 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX and XXXX 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 : 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 2022-06-27 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX have 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 2022-06-27 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX have 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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 : XXXX XXXX Acct # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Had violated my rights.

15 U.S.C. 1681 section 602A 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.

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 2022-06-27 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: TN

Complaint narrative:
In accordance with the fair Credit reporting act Credit bureau systems {$880.00}, last reported XX/XX/22. XXXX XXXX XXXX {$110.00} last reported XX/XX/22. XXXX XXXX {$740.00} last reported XX/XX/22 XXXX XXXX XXXX {$640.00} last reported XX/XX/22. XXXX XXXX XXXX {$250.00} last reported XX/XX/22 XXXX XXXX XXXX  {$52.00} last reported XX/XX/22. 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 with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
After paying my mortgage for 30 years, I would like to know two things : 1 ) the total amount of principal paid, and 2 ) the total amount of fee charges. DO NOT SEND another long, detailed unreadable report. Just send the two dollar amounts I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Number : XXXX ] incorrectly reported late payments in XXXX and collection items on my account in XXXX and XXXX. 

Synchrony Financial XXXX XXXX turned my account over to XXXX XXXX and locked my online account so that I could no longer pay online. In the transfer to XXXX XXXX, XXXX XXXX did not provide my SSN, incorrectly changed the last digit of my credit card number from an XXXX to a XXXX and left off the Unit # in my address, so that I was also not receiving paper billing notices. 

When I called XXXX XXXX XXXX XXXX was transferred to XXXX XXXX, but they were not able to locate my account or verify an account belonging to me because of the incorrect information ( no SSN, incorrect XXXX #, and incorrect address ). 

XXXX XXXX XXXX XXXX report XXXX, XXXX, XXXX, and XXXX  days late to the credit bureaus in XXXX, XXXX, XXXX, and XX/XX/XXXX. There is no information on my credit report until the account was turned over to a XXXX XXXX in XX/XX/XXXX with the same incorrect information as before. 

I continued to call XXXX and XXXX XXXX, but neither company was able to tell me the Collection Agency the account was turned over to. The mail was finally forwarded to my correct address and the XXXX XXXX XXXX XXXX in full. 

I should not have to suffer the consequences of late and collection information on my credit report because of the incompetence of Synchrony Bank. I have disputed this information with the credit bureaus, but the credit bureaus decided in favor of the bank because they were not aware of the extenuating circumstances that caused me to miss payments on the account. 

Please remove the XXXX, XXXX, XXXX, and XX/XX/XXXX late payments on my XXXX XXXX account as well as the late payments when the account was turned over to Collections ( XXXX and XX/XX/XXXX and XXXX, XXXX, and XXXX XXXX ) for a total of XXXX ( XXXX ) separate negative items.

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 2022-06-27 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: Modern Asset Management, Inc.
State: FL

Complaint narrative:
I have filed a dispute with XXXX in regards to the incorrect item on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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:
I've submitted information showning that there has been false reporting on all three credit unions. They ignored faire credit report act, faire credit billing act and Texas credit law section. I've asked for of debit under 15 USC 1681 e ( b ) and 15 USC 1681 i of false reporting not 100 % accurate information. Section 16.004 of the Texas Civil Practice and Remedies Code. The statute of limitations on debt in Texas is XXXX years. They have ignored my fair credit reporting act, Section 609 ( a ) ( 1 ) ( A ) by federal law to, verify, through the physical verification of the original signed contract, any and all accounts that you post on a credit report. Anyone paying for reporting services could fax, mail, or email fraudulent account. They failed to send back any physical proof of debit or validation of debit. All three bureas have failed to comply to my request.

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