vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have never applied nor wish to apply for any credit card at this time or anytime in the near future. It has come to my attention that XXXX has submitted a hard inquiry on my Trans Union report as alerted by XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Paramount GR Holdings, LLC
State: NJ

Complaint narrative:
On XXXX XXXX my wife XXXX XXXX XXXX enter into a contract with XXXX XXXX XXXX XXXX XXXX  XXXX and Goodleap llc for solar panels. She used my personal information to obtain the financing for solar panels without my consent and knowledge. On XX/XX/XXXXXXXX  in was aware of installation of solar panels. On XX/XX/XXXX while checking my credit reports I asked my wife about Goodleap llc on my reports for {$55000.00}. She said nothing to me and said you should check it out. On XX/XX/XXXXXXXX   I was about to get in contact with representative from Goodleap and XXXX XXXX XXXX they told me my wife used my personal information to obtain loan for solar panels. I spoke with sales representative XXXX XXXX and liaison XXXX XXXX for a XXXX based organization that donates to local churches for solar panel referrals. She told them that she has Power of Attorney for me but never produced any documents and they signed the contract s on good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX is posting charge off since XXXX for one account then again in XXXX for credit cards I DID NOT OPEN. I sent letters asking for a 1089 c form or deletion since they charged these two accounts off or delete them from my credit report. XXXX XXXX should not keep sending to all credit bureaus that they have been charging these accounts off for over two years.

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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Hard inquires removed and deleted from Equifax credit report I have filed a dispute XXXX XXXX XXXX XXXX XX/XX/XXXX Factual Data XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting 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 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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 2023-08-26 00:00:00
Product: Credit reporting 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 kindly request the immediate removal of unauthorized inquiries related to identity theft from my credit report. According to FTC laws, I have the right to a 4-day removal process or such issues. I request swift action to rectify this matter. Thank You! 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 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
after 3 year having the accounts in question capital one closed my accounts for no reason when in was only one payment behinfd on XX/XX/XXXX my next payment statement went out on the XXXX of same month i asked why they closed my accounts and i was told because i sent in a payment coupon endoresed PAY TO BEARER WRITTEN ON THE FRIN OF THE PAYMENT COUPONXXXX, VA XXXXXXXX XXXX  Capital One. Capital One is a federally registered service mark. All rights reserved. 
XX/XX/2023 Re : Accounts ending in XXXX, XXXX and XXXX Capital One Case : XXXX CFPB Case : XXXX Dear XXXX XXXX XXXX Were reaching out to you about the concern you submitted to the Consumer Financial Protection Bureau ( CFPB ), regarding information weve reported to the Consumer Reporting Agencies ( CRAs ). 
Thank you for speaking with us on XX/XX/2023. During our call, you indicated that you believe the reporting on your Capital One accounts is inaccurate because charged off accounts should not be reporting to the CRAs. However, weve confirmed Capital One does not delete accounts in exchange for payments and will reflect a paid in full/settled status when applicable. We may report for up to seven years from the first date of delinquency. Please refer to the CRAs directly for more information regarding when the accounts will no longer reflect on your reporting. 
As a reminder, your accounts were closed on XX/XX/2023. We sent letters ( enclosed ) explaining the reason for the closures. 
In your request, you indicated that you believe we should not be reporting your accounts to the CRAs. However, according to the terms of your Credit Card Agreement, we may report information about your accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report.

Weve confirmed that were reporting accurate information. For this reason, we are respectfully declining your request that we ask the CRAs to change the information we're reporting about these accounts. 
If you have any questions or concerns, please call XXXX. Our Customer Service Representatives are available 24 hours a day, 7 days a week. 
Sincerely, Capital One Customer Advocacy Office Enclosures cc : Consumer Financial Protection Bureau my accounts were closed before i was even two payments behind yet capital one continued to report my account past due and late as if i was 180 days late on my payments and i had only missed one payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting 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:
15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information..

The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance.

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately.

Before you think to reply that this account has been validated, let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. 
Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have no idea how these people could open an account without me being there. They have showed me no proof that I was there ( I was not, I was hundreds of miles away ).

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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern Please ask XXXX XXXX XXXX, to provide the following information before you simply write its been Verified and close my complaint. 
this account needs to be validated first please ask them to provide you with a copy of the original contract bearing my signature that I signed for this debt. 
Need a copy of the payment history from the original creditor that clearly shows my payments with them. Also, they provide the name and address of the original creditor. 
Also, we need proof of ownership that XXXX XXXX XXXX have been assigned this debt. If they Decline to provide, please remove it from my credit report. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting 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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 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 2023-08-26 00:00:00
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized and Incorrect Collection Account on My Credit Report Dear Sir/Madam, I am writing this letter to formally dispute the collection account listed on my credit report, which has been attributed to your company, XXXX XXXX XXXX XXXX. The account in question pertains to an alleged debt from XXXX XXXX  with the account number # # # # # # XXXX, with an original amount owed of {$400.00}. The details of the account are as follows : Original Creditor Name : XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$400.00} Amount : {$400.00} Status Date : XX/XX/XXXX Status : UNPAID Balance Date : XX/XX/XXXX Account Designator Code : INDIVIDUAL_ACCOUNT Account Number : # # # # # # XXXX Creditor Classification XXXX XXXX Date of First Delinquency : XXXX XXXX, XXXX I would like to assert that I have no knowledge of this debt and have never had any dealings or contractual agreements with XXXX XXXX that would result in the debt you claim to be owed. Furthermore, I believe that this collection account has been reported in violation of several laws and regulations, and I am prepared to take the necessary legal actions to rectify this situation. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), it is my right to request validation of the alleged debt and to ensure the accuracy of the information being reported on my credit report. I demand that you provide me with the following information within 30 days of receiving this letter : Written proof of the debt 's validity, including a complete accounting of the alleged debt and all supporting documentation. 
Verification that your company is licensed to collect debts in my state.

Verification of your legal authority to collect the debt on behalf of XXXX XXXX. 
A statement confirming that this alleged debt will be removed from my credit report and that no further negative information will be reported if you can not provide sufficient validation within the allotted time. 
Failure to comply with this request will leave me with no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General office. I will also seek legal counsel to pursue any appropriate legal action against XXXX XXXX XXXX XXXX for violating my rights as a consumer.

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 2023-08-26 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
On XXXX XX/XX/2023, Navient received a copy of paperwork that showed everything from the previous complaints I've made. They continue to call me when I established a no-call contact with Will ( Employee ID XXXX ) on XX/XX/XXXX and spoke to him about my file and the information I sent that was received on the XXXX. They have refused to look at my paperwork with everything that explains that I qualify for the XXXX settlement, yet refuses to talk about it and asks me in a message if I received paperwork for something I never asked for on the XXXX of XXXX. 

In the paperwork I established for them to look at was a letter, some credit reports, a screenshot of part of the XXXX settlement website, and my original promissory notes. I've also left some notes and highlights on certain pages to rectify certain things such as me never signing a loan for the amount given, exact words from the website about qualifying, and credit reports showing why I qualify. 

Attached is most of the evidence given to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: January Technologies, Inc
State: CA

Complaint narrative:
These 3 personal loans XXXX, XXXX. XXXX were open fraudulently by XXXX and were sent to January Technologies for collection.

January Technologies never contacted me either via email/mail/phone to try to solve the issue but sent the accounts straight to collection causing and extremely negative impact on my credit reports and employment. 

I submitted a police report and a complaint with the Federal Trade Commission to XXXX ( credit report agency ) but nothing has been done about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it may concern Please ask XXXX XXXX XXXX, to provide the following information before you simply write its been Verified and close my complaint. 
this account needs to be validated first please ask them to provide you with a copy of the original contract bearing my signature that I signed for this debt. 
Need a copy of the payment history from the original creditor that clearly shows my payments with them. Also, they provide the name and address of the original creditor. 
Also, we need proof of ownership that XXXX XXXX XXXX have been assigned this debt. If they Decline to provide, please remove it from my credit report. 
Thank you.

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 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2023 I was trying to make a purchase for new eye glasses and my Care Credit card was declined. After confirming that my account was paid in full, I contacted customer service and they informed me that my account had been automatically closed by their system at the start of the month because of a low XXXX credit score. I checked with my Bank, which provides me my XXXX score every month, and my score has been over XXXX for the past year. I believe closing my account was an error in their system and customer service offered no help in resolving my situation other than to tell me to reapply for a new account.

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