vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Acct XXXX XXXX XXXX XXXX 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 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 2022-05-28 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The credit bureaus still have my incorrect legal name on file. This has caused major problems having my identity verified. I had a name change four years ago in XXXX. My name has been changed on all of my accounts for years now, but still not updated with the bureaus. I have furnished Experian Credit Bureau with my legal name change documents multiple times now. The most recent dispute that I have submitted was on XX/XX/XXXX. I was again told that I had won the dispute and that my personal information would be updated, but it is still not being updated. When I reached out again to ask when this update would occur, I was told that I would need to file another dispute and send in my court order. This is the process every time. I submit the dispute and furnish my legal name change documents. I win the dispute, they do not update my information, and then I am told to simply submit another dispute. Rinse and repeat. Please just update my personal information so I can have my identity verified. I have paid large deposits due to no access to my report under my new name. They will not update my information even after winning this dispute with them over and over. How is the social security department not the ultimate authority on my identity?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: BROKER SOLUTIONS, INC.
State: NJ

Complaint narrative:
I receive an email at XXXX on XX/XX/XXXX from the company New American Funding stating the following : Hi XXXX, It looks like a mortgage lender checked your credit on XXXX. Remember, you have 14 days after an inquiry to shop around without additional impact to your scores. 


Looking to refinance? 
Based on your XXXX XXXX XXXX XXXX range of XXXX - XXXX and your ZIP code in XXXX, this is our top pick from our partners. 
15-year fixed from XXXX XXXX XXXX  Interest Rate XXXX XXXX XXXX XXXX XXXX  NMLS ID # XXXX Get my quote Then today, XX/XX/XXXX, I receive an email from credit karma stating that I have another hard inquiry on both my credit reports which I did not authorize. I am in the process of refinancing my home and this is going to delay my process. I feel cheated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: OH

Complaint narrative:
In XXXX of XXXX I was alerted by XXXX XXXX that it was a collection put on my credit report for XXXX XXXX XXXX XXXX : FRANKLIN SERVICE INC, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I immediately type and sent a certified letter to said collectors stating that I never had an XXXX XXXX XXXX  account here in XXXX, XXXX I have no account number for this alleged account nor have I ever received a bill containing an account number at my address/ addresses. I move here to XXXX XXXX, in XX/XX/XXXX with no job or financial means so I resided with my cousin at XXXX XXXX. Once I got on my feet I moved in my own place XX/XX/XXXX. I work 12 hours a day 6 days a week. I can not afford any extra amenities. Then I moved in with my ex to XXXX XXXX XXXX XXXXhen to his apartment XXXX, at which both places had XXXX for internet services and TV. The only cable that I aquired is XXXX which was turn on upon my move in XXXX XXXX XXXX in XX/XX/XXXX about 3 to 6 months later. This is not my account nor do I have knowledge of it. As it has taking me some time to get my credit rating at a decent score this fraudulent account has brought it down. Please assist me in resolving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: SC

Complaint narrative:
In accordance with the Fair 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 a 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. 15 U.S.C 1681 c. ( 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 the records of convictions of the crimes which antedates the report by more than seven 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 non-monetary relief
Consumer complaint received 2022-05-28 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: CA

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 U.S.C 1681. 

1. ( XXXX ) Account number XXXX, Has violated my rights. 


2. XXXX XXXX XXXX XXXX ) Account number XXXX 3. ( XXXX ) Account number XXXX XXXX. ( XXXX  ) Account number XXXX 5. ( XXXX ) Account number XXXX 6. ( XXXX XXXX XXXX XXXX  ) Account number XXXX Original creditor XXXX XXXX  7.XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX mail only XXXX XXXX I Inquired on XX/XX/XXXX Business Type : Mortgage Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  Business Type : Mortgage Reporters XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX Business XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A . States I Have the right to Privacy. 

15 U.S.C 1681 Section 604 A 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 Sates : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then 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 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 2022-05-28 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: CA

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 U.S.C 1681. 

1. ( XXXX ) Account number XXXX, Has violated my rights. 


2. ( XXXX XXXX XXXX ) Account number XXXX 3. ( XXXX  ) Account number XXXX 4. ( XXXX  ) Account number XXXX 5. ( XXXX  ) Account number XXXX 6. ( XXXX XXXX XXXX XXXX ) Account number XXXX Original creditor XXXX XXXX 7XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX mail only XXXX XXXX I Inquired on XX/XX/XXXX Business Type : Mortgage Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  Business Type : Mortgage Reporters XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX CO Inquired on XX/XX/XXXX Business Type XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A . States I Have the right to Privacy. 

15 U.S.C 1681 Section 604 A 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 ) ( XXXX ) Section Sates : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then 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 to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR

Complaint narrative:
I had an issue with my car loan still being outstanding/no title after being paid off XX/XX/XXXX. This has been fixed and final payment applied XX/XX/XXXX but now it created a new problem. It now shows I have two late payments. The payment that was made in XX/XX/XXXX to pay off the account was posted XX/XX/XXXX. Can the payment be applied correctly when I actually made the payment and remove the delinquent payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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 XXXX Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # 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 2022-05-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX. XXXX XXXX XXXX, U S DEPT OF EDXXXX 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 2022-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
remove hard inquiriesXXXXXXXX XXXXXXXX XXXX  4NQUIRIESXXXX XXXX,XXXX XXXXXXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28 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 XXXX Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX Account # XXXX XXXX Account # 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 2022-05-28 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 XXXX Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: CA

Complaint narrative:
In accordance with the fair credit reporting act, XXXX  account # XXXX XXXX  XXXX  XXXX furnished by Transunion, XXXX, and XXXX has violated my rights per the fair credit reporting act code : 15 U.S.C 1681 section 602 A -states I have the right to privacy.

15 U.S.C 1681 section 604 A sec.2-also states any consumer reporting agency can not furnish a account without my written consent and instructions. According to the fair credit reporting act anything I feel is inaccurate, misleading, or arroynias being reported on my credit report can be disputed by the consumer to have any inaccurate, misleading, or arroynias deleted/ removed from credit report by the furnisher immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Peace, I am XXXX XXXX, On XX/XX/XXXX I went into XXXX XXXX XXXX and examined a XXXX XXXX XXXX XXXX XXXX, VIN # XXXX, which I then filled out an application for. I made it clear from the beginning of the application process that I would be initiating a Consumer Credit Transaction, pursuant to 15 USC 1679 a ( 2 ), and marked such on every piece of paperwork. After talking to the agent and waiting a day for the application to be ran, I was told I was denied for the vehicle. This is in violation of both 15 USC 1611 and 15 USC 1691.

I then called Capital One Auto Finance, as that was the institution that ran my credit application. I was given a reference number for the application that was submitted on my behalf ( XXXX ), and was informed that there was nothing they could do on their end, and that I would need to talk with XXXX XXXX XXXX about any issue I may have. 

Under title 15 USC 1681, denying me credit would be deemed an diverse action, which is in violation of 15 USC 1691 ( a ) ; It shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of any credit transaction. 

I would like you to obtain the greatest amount of redress possible. This behavior is punishable under federal law. 

Below I will provide mailing addresses for both XXXX XXXX XXXX and Capital One Auto Finance. 

XXXX XXXX XXXX Attention : Legal Recourse XXXX XXXX XXXX XXXX, OH XXXX Capital One Auto Finance Attention : Legal Recourse XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
It all started when I tried to make a payment ofXXXX through XXXX 's automated system. There was a system error, so the automated system recommended that I make a one cent adjustment to the payment because the automated system couldn't process a payment of the same amount. Thus, the total was changed to XXXX. Bank of America took both payments from my account, so I called to dispute one of the payments. I talked to XXXX first to find out if both payments went through. Only one payment went through ( XXXX ), so I disputed the payment ending in XXXX There was even a three way conference with a XXXX rep and a B of A Soup so that there were no misunderstandings and some how B of A still managed to dispute the wrong payment. They disputed the payment ending in XXXX. Because of this mistake my XXXX account was cancelled on XX/XX/2017. Now XXXX wants more than the returned payment in order to reactivate the account in addition to the reactivation fees and prorated that will generate on the next bill. When I explained this matter to a claims rep he notated the account stating I would need help with the prorated charges and reactivation fees that would generate. I talked to another rep from the bank and she told me to fax proof of the amount XXXX needed in order to reactivate the account. I got the tangible info needed and sent a fax over to the claims specialist as instructed. I called a few days later to check the status of my claim in regards to reactivating, and he told me that b of a would not be paying me for anything but the returned payment not the result of their mistake. Right now XXXX XXXX is asking for XXXX in order to reactivate because the was a balance coming due XX/XX/XXXX of about XXXX. If this matter lingers ill be billed for the XXXX worth of equipment that I'm currently financing, I also lost monthly discounts such as free tablets and a discounted XXXX  that will become full price when the account is reactivated. I also had a grandfathered plan that was forfeited and will have to face a monthly increase of about XXXX dollars a month in order to get the features that I had before the account was cancelled. I want compensation for the entire account and the difference that I had to pay after losing my employee discount. I keep getting the run-a-round and at this point I just want a viable solution to a sticky mess that I don't believe I'm responsible for! 
Update : the account is now in collections and has been canceled ever since this incident.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: NJ

Complaint narrative:
remove hard inquiries,XXXX XXXX XXXX   4NQUIRIES,XXXX DXXXX 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 2022-05-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 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