vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
i did a dispute with my bank and they denied it so i did it again and never herd back from them. i have written to them and nothing back.so someone used my XXXX XXXX and took {$2000.00} from my bank account i don't know who they are or why this even happened or how and my bank gave me my money back but then a week later reversed it and took my {$2000.00} again when i told them my accounts had been hacked with my debit card all they did was send me a new card and no refund me my money that i never took from someone else i don't even know the person that did it or anything about those {$2000.00} but they took my {$2000.00} that i worked for very hard for that's almost my whole check for the month. 
thanks for your time hope i get my money back i have had so much fraud done in the last 6 months it's ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The account has been paid in full. It keeps coming back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The account has been paid in full. It keeps coming back.

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 2022-10-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I AM DEMANDING YOU TO REVIEW AND HELP ME TO REMOVE THIS INQUIRIES FROM MY CREDIT REPORT 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 explanation
Consumer complaint received 2022-10-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inaccurate account and unauthorized Inquiries are causing my scored to drop and when I tried asking the bureau to remove I did not receive any response even after 30 days.

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 2022-10-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inaccurate account and unauthorized Inquiries are causing my scored to drop and when I tried asking the bureau to remove I did not receive any response even after 30 days.

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 2022-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
As a XXXX  state employee had the unfortunate experience of dealing with Golden 1 Credit Union. Today I spoke to XXXX. I explained to XXXX ( and multiple other mangers in this institution ) that back in XXXX I asked them to place a stop payment on a creditor that I had hired an attorney to help me with. MULTIPLE times they said that they could place the stop payment from this creditor. After completing all of the suggestions recommended by this banking institution. NOT once did it work. Then they tell me that after they filed a claim on my behalf that I an essentially out of XXXX dollars. Also still not trying to accept responsibility for their FAILURE with the stop payments. Horrible attitude on this guy, no compassion, even tried to justify their failure. I mean cmon where is the customer service on this planet. As I have stated previous if the stop payment was effective I wouldn't need to talk to ANYONE ELSE!!! Go figure right??

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 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian They have not removed inaccurate personal information from my account that Ive asked to be removed several times months ago. They are not discriminating against me and will not allow me to speak with an actual human about any of this. They are also violating XXXX Id. XXXX ( a ) ( d ) ( 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 explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union states in their " Important Disclosures '' that Navy Federal does not share personal information about their customers with nonaffiliates. I am opting out of ALL sharing to non affiliated third parties and they need to remove my personal information from all credit reporting agencies asap. There is no law that say they MUST report my personal information and I, the consumer, have a right to privacy according to the Privacy Act of 1974.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please see below regarding XXXX XXXX XXXX Acct # XXXX : According to the IRS, when creditors cancel debts, they are required to report the canceled amount if it is over {$600.00} to the IRS using Form 1099-C cancellation of debt. The charged-off/cancelled deb on this account is over {$600.00} ( {$3000.00} ) and no 1099-C form has been issued. Once this debt was cancelled, I should have received a 1099-C form in order to report it on my taxes as income. This should not be on my credit 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 2022-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/2022, an unauthorized cash advance was requested on my Wells Fargo credit card through the Wells Fargo secured online portal. It was not until I went to check my statement on XX/XX/2022 that I was made aware of the charge. I immediately called their fraud department to report it. Their ultimate resolution was that since it was made through their online banking portal, I had authorized it. I have repeatedly informed them that this is not the case. At the time of the transfer, I received no text or notification that such a large cash advance had been made, or that anyone had logged onto my account from a new device.

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 monetary relief
Consumer complaint received 2022-10-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-20 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: Experian Information Solutions Inc.
State: VA

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 Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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 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 explanation
Consumer complaint received 2022-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hey hope all is well I ask the Credit Bureaus Transunion, XXXX and XXXX to do and verification on everything on my credit report and they did they stated that everything was accurate. I did my own research and I seen that I had Three accounts on my credit report being reported inaccurately I never ever opened an account with these XXXX Accounts : XXXX financial Transunion account XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX The three accounts are being reported on my credit report inaccurately and I all I ask is that the Three credit bureau removed these accounts please and thanks. 


In accordance with the Fair Credit Reporting act XXXX Accounts, 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 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Unable to renew my fraud alert with Equifax This problem is a yearly issue with Equifax not renew my fraud alert on my credit file I need your help with this problem I sent Equifax a certified letter with my driver license and my social security card to Equifax on XX/XX/2022 still unable to renew my fraud alert

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I think it was XXXX I was told by my school XXXX to get private loans to pay for my classes. they took all the money for the hole course! the school did not offer any help at all and did not finish the first class. The school told me I had to pay for the class again as I had no more money I had to drop the course. The school did not refund the moneys back to the private loan provider and I am still paying for something I did not receive. And I am still paying today XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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. 

XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 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 2022-10-20 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: VA

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. 

XXXXXXXX XXXX  Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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 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 explanation
Consumer complaint received 2022-10-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I have had an active Kohls credit card for years. I have used it and typically pay the balance in full. Over the years I have missed payments because I forgot to pay before the deadline or missed the statement ( in my defense Kohls sends so many emails ). In the past I have paid a late fee or interest but nothing had ever been reported a credit agency. On XX/XX/XXXX, I made a purchase using my Kohls credit in the amount of {$1.00}. This was first recorded on the XXXX statement with a due date on XX/XX/XXXX. I did not see the statement and it was again reported on the XXXX statement with a due date on XX/XX/XXXX. I again did not see the statement. I received an email of a missed payment on XX/XX/XXXX and promptly paid the balance. 

At the beginning of XXXX I pulled a credit report and my scores dropped by almost XXXX points and upon inspection it was because Kohls reported a delinquent balance. I acknowledge the payment was delinquent. But, I am confused why they decided to report that one and not prior missed payments. This is not the first time I have been two months late, but its the first time the balance was so low that they were unable to charge the {$25.00} late fee or significant interest. I assumed that based on our course of business there would be no further issues. However, I was wrong because they couldnt extract more money from me. In my opinion that is a predatory practice. 

I called Kohls and attempt to resolve the issue. The customer service agents were limited in their ability to do anything other than submit a request. I received a letter in a couple of weeks but all it said was there were no errors. I still am trying to figure out why they report items inconsistently. I agree that accurate reporting is necessary under our credit system. However, transparency and information asymmetries are also huge issues. Creditors should not be able to inconsistently report delinquent payments during the course of a relationship. Kohls coerces people into using the their proprietary credit card to access coupons or discounts. Baits consumers by providing leniency when they can extract fees or interest but then slams users when they can not. There is no worse feeling than having your credit wrecked over {$1.00}.

Company response to consumer: Closed with explanation