vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-25 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 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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ), XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX ) XXXX, XXXX  XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original CreditoXXXX : XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) 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 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 2022-04-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2022, I sent a letter to Experian and XXXX notifying them about the inaccurate information on my consumer report. Until now I didn't receive any response or any result of their investigation. I feel frustrated and I am in distress this matter has affected me from getting access to different forms of credit which I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2022-04-25 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 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 2022-04-25 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: CA

Complaint narrative:
The following accounts have properly disputed multiple times with Experian, XXXX, and XXXX because they are not my accounts.There is now way these erroneous accounts were actually " verified ''. I have now filed an identity theft report with FTC in regards to identity theft ( attached ). My information has clearly been compromised and possibly merged with another person 's file. 

Also, in accordance to the FCRA, the following accounts are in direct violation of my consumer rights : XXXX XXXX - Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX - Reference # XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX - Acct # XXXX All accounts listed above are in violation of the following consumer laws : 15 U.S.C 1681 section 602 ( a ) ( 4 ) states that consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b section 604 ( a ) ( 2 ) states that any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to it relates.

15 U.S.C 1681c section 605 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I have attached FTC report and XXXX  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 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit report act XXXX XXXX XXXX  Capitol oneXXXX XXXX XXXX XXXX credit card 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: CA

Complaint narrative:
On XX/XX/2022, there was an inquiry on my Equifax credit report for a XXXX Credit card that I never applied for. On XXXX XX/XX/2022, I called Equifax to let them know I never applied for this credit card. The agent told me based off of contact information provided on report it looks like fraud and in order for them to remove it, I need to report it to the FTC. I am creating this report to not only have this inquiry removed but to report that I a victim of Identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My complaint is with shellpoint mortgage servicing. 
Last year, during the pandemic, my house was in foreclosure and even had a sale date. 
I tried so hard to make a new payment plan or get modification from Shellpoint, it never worked. 
And one day they called me and if I come up with XXXX  of payments, they can make my mortgage current and cancel the sale date. 
I was so happy to hear that, so I sent XXXX of payments and they canceled the sale. 
And only a few days later, my loan was transferred to a new servicing company which was XXXX XXXX. And my payments increased by almost {$1000.00}. 
Shellpoint never told me about this. And a few months later my loan was transferred back to Shellpoint mortgage. 
Right now I am XXXX behind on my payment. They would not work out anything unless I sent another XXXX payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Consulting Services, Inc.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, On XX/XX/2022, I sent a debt verification letter to Credit Consulting Services , Inc., about my alleged medical debt ( of {$340.00} with monthly interest ), and I have yet to receive a detailed letter, verifying my person and justifying the expenses, as of XX/XX/2022. If you can look into this case, that would be greatly appreciated. If not, I will have to go to the courts. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: GA

Complaint narrative:
in accordance with the fair credit reporting act account # 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
Consumer complaint received 2022-04-25 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 act account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: NY

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act DIVISION OF CHILD SUPPORT # 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 2022-04-25 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: NY

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act DIVISION OF CHILD SUPPORT # 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 2022-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
During a HORRIBLE pandemic Capital One closed two of my longest opened accounts. The bank account that my automatic payment came out of for these accounts had fraudulent activity on it which caused my payment to bounce. I immediately made a payment with a new bank account to keep my account current. Even though the payment only bounced on one account they closed both accounts. I called capital customer service and explained to them that my bank account had fraud occurring and that I even had an open investigation to get my money back. The supervisor told me to submit the documents and my account would be back open. She provided me with FALSE information. As if COVID wasn't already ruining my life Capital One ruined my credit. When I talked back to the supervisor and asked why my account wasn't opened back up if I provided proof of fraud on my bank account she made me feel horrible as if the amount of money the scammers took from me wasn't a lot of money to cause this they took almost {$2000.00} from me. I feel highly discriminated against and I want to pay my debts and be treated fairly as a person without the extra comments when I explain that I need help. I would like both my accounts to be turned back on in good standing. They even denied me a new credit card, saying my history with them wasn't good. Both of my accounts were in good standing. I had NO late payments, I made extra payments and one card I even paid completely off. Being discriminated against puts me in a sad place. I am in the middle of a pandemic and funding was taken away from my family while in fact we had COVID even my new born baby.Someone stealing from me was not my fault so why am I still being punished

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
I was told by several of the customer service reps that I missed a XX/XX/2022 payment, as such my XX/XX/2022 payment was applied to the XXXX installment. Additionally, that my account is past due and has a late fee. 

I went through my account and all payments have been made timely, including XXXX. Two different reps argued with me, one hung up on me and neither communicated clearly at all. I asked to speak with a manager and was told they weren't available. I have since sent in screen shots of my XXXX payment transaction as well as transactions for the last 10 months. I have NOT missed any payments. I believe the issue is on their end. The XXXX payment was successfully processed on XXXX. 

I've asked that the company immediately ensure that the payment is credited to my account and that the late fee is removed. 

As a side note, when I went through my account with the service rep checks are routinely sent timely and are posted past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Experian, XXXX, XXXX has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States have the right to privacy These addresses do not belong on my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type XXXX complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex

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 2022-04-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX 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 XXXXXX/XX/2020 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 explanation
Consumer complaint received 2022-04-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXXXX/XX/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 2022-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
on XX/XX/XXXX after CAREFULLY examining my XXXX account descepancy I now encounter an almost {$2000.00} discrepancy in the Negative again apr XXXX XXXX. 
. I personally went to a local branch on XXXX XXXX XXXX XXXX XXXX  Nothing was done on their part to rectify the question as to where is almost {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX and transunion will not take a dispute online, try to call get no response.reporting incorrect balances on 2 accounts, reporting incorrect credit lines, reporting XXXX XXXX credit usage, using less than 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 explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Kohls/Capital One opened XX/XX/XXXX - and closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was never late and old reported lates are appearing on my credit report affecting my XXXX XXXX. These should be removed from my history specifically : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account was closed with {$0.00} balance XX/XX/XXXX- so why are they reporting me 90 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, Transunion and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A states I have the rights to privacy. 
These names, numbers and addresses do not belong on my credit report. 

NAMES : 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 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 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 2022-04-25 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act Experian, XXXX and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A states I have the rights to privacy.

These names, numbers and addresses do not belong on my credit report. 

NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES:XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, AR XXXX NUMBERS 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 2022-04-25 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: FL

Complaint narrative:
I disputed all accounts that were opened using my information as fraud to all 3 credit bureaus. They advised me to file an FTC fraud report with each account number & submit back to them via fax to have it removed from 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