vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-09 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: TX

Complaint narrative:
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 In accordance with the Fair Credit Reporting act. All these accounts listed above. Has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the rights 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 2023-10-09 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: TX

Complaint narrative:
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 In accordance with the Fair Credit Reporting act. All these accounts listed above. Has violated my rights.

15 U.S.C 1681 section 602 A. States i have the rights 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 non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
I tried to make a student loan payment of {$150.00} on XX/XX/23. I received a confirmation email on XX/XX/23 that my payment was scheduled that day. The payment was reversed. I tried to quick pay through the website but an error occurred. I tried calling Edfinancial multiple times but I did not hear back. I would not be held liable for a late payment because it didn't go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2023-10-09 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: FL

Complaint narrative:
On XX/XX/XXXX I submitted CFPB complaint # XXXX requesting my account be investigated due to a billing error. I gave notice that I, dispute, all past outstanding amounts and, present, or future debts and ask that the account be placed into cease and desist status. Capital one was also notified of several other violations to my reputation including but not limited to late payments and account balances. 

On XX/XX/XXXX Capital one closed my accounts ending in XXXX and XXXX without specific reason or proof for why my accounts required closure or how I may have violated the terms of their user agreement. This was done simply in discrimination due to me exercising my rights under the Consumer Credit Protection act and opening my complaint on XX/XX/XXXX. 

Capital One has continued its abuse by reporting monthly late payments to the credit reporting agencies XXXX, XXXX and XXXX despite my instructions to cease communication for my privacy and due to the lack of sufficient evidence bearing proof. 

Capital one has also sold the alleged debt to a debt collector XXXX who simultaneously reports the same inaccurate information to the credit reporting agencies XXXX, XXXX and XXXX further harming my reputation and opportunities to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: Goal Structured Solutions, LLC
State: AL

Complaint narrative:
A student loan was opened in my name in XX/XX/2022 I did not open this and I been telling this company this for a year in a half and there are so many inquiries on my account from car lot places that I werent aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I attempted over the last 90 days to use the website of TransUnion CRA. The site fails on a daily basis. It endlessly loads requiring users to call and file disputes by phone or chat! To suggest consumers have access to their credit reports, scores, or can dispute online is a complete lie. I am quite certain if you pay TransUnion their $ XXXX for premium access, well thenthe site works perfectly. However, the URL and basic access for an average consumer is manipulated and requires you to pay them for access to YOUR financial reporting data. This CRA is defrauding the consumer by suggesting you have access when you absolutely do not unless you pay them {$360.00} a year. THIS IS AN ABUSE OF CONSUMERS AND THEIR RIGHTS TO MANAGE AND MAINTAIN THE ACCURACY OF WHAT IS REPORTED IN TODAYS DIGITAL AND ONLINE EXPECTED DELIVERY.

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
experian Closed Account XXXX XXXX  Total XXXX Closed Account XXXX  XXXX total XXXX Collections Account XXXX XXXX XXXX total XXXX XXXX XXXX Account XXXX XXXX  Total XXXX Collection Account XXXX XXXX  XXXX Charge off Account XXXX XXXX  total XXXX XXXX Collection Account XXXX XXXX  total XXXX Collection Account XXXX XXXX  total XXXX Collection Account XXXX XXXX XXXX total {$4500.00} Charge off Account XXXX  XXXX total XXXX Charge off Account XXXX XXXX  total 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 2023-10-09 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:
Fraudulent activity regarding a hard inquiry on my Transunion credit report from XXXX XXXX  XXXX on XX/XX/2023. After speaking to the issuer, i was notified that no accounts have been issued, but still, there is a hard inquiry on my credit report that was not made by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed a Medical Collection that was on all XXXX Credit Bureaus from XXXX. XXXX  for {$1300.00}. The Debt was Never mine, I'm 100 % covered for Medical with the VA at any Local Hospital, Clinic, Doctor ETC. under Community Care Program. The billing was to go directly to, XXXX  XXXX XXXX XXXX GA!! The XXXX from XXXX XXXX XXXX goes all the way back to 2013, over 10 years. My recent Disputes filed on XXXX were Successful with XXXX XXXX XXXX, they have Removed the Collection, BUT Experian has not Removed the Collection and still updated it on XXXX!! I have requested for the Collection to be removed ASAP, with no results. As of today XXXX it has not been removed. My complaint is the XXXX from XXXX. XXXX  on behalf of XXXX XXXX XXXX be removed ASAP from Experian. Thanks 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 explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
this Wells Fargo account did a charge off and its on my credit which is wrong not my account my daughter had account there too I paid mine in full off they try to make her account mine she is in bankruptcy XXXX not me and they tied my and my husband name to that account which is wrong I sent them I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2023-10-09 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: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
Someone has tried to open a chase account with my name and social security for the past two months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX has violated my rights. 1 5 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 ins tructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 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: TX

Complaint narrative:
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 In accordance with the Fair Credit Reporting act. All accounts listed above. Has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the rights 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 2023-10-09 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: TX

Complaint narrative:
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  In accordance with the Fair Credit Reporting act. All accounts listed above. Has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the rights 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 non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: IN

Complaint narrative:
Discover Bank sent me a letter stating the account in question was charged off XX/XX/XXXX due to non payment with a balance of {$4000.00} XX/XX/XXXX the account was placed with XXXX XXXX XXXX XXXX to assist in collection efforts. 

On XX/XX/XXXX a lawsuit was filed with XXXX XXXX XXXX XXXX XXXX, State of Illinois, but later dismissed WITHOUT prejudice on XX/XX/XXXX. I ask that you immediately investigate and confirm this debt was dismissed without prejudice and remove it from my credit report and all of Discover bank records as the debt is no longer owed or valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
There are XXXX accounts on my credit report and the XXXX reporting agencies show differing account numbers and information. The account numbers as listed on statements from XXXX had the XXXX numbers listed as belowXXXX - working capital business line of credit XXXX ; XXXX - business loan XXXX XXXX XXXX The business loan was paid online via XXXX web portal therefore, I never interacted with a collection agency so the information on my credit report is misleading. The agencies are showing accounts in collection which is not correct. See attachments showing online payment directly paid to XXXX via my online XXXX account. XXXX ) The working capital line of credit was settled with XXXX XX/XX/2021 with the agreement between both parties signed on XX/XX/2021, that derogatory information would be removed from the credit reporting agencies and any court filing would be dismissed and removed from the courts. I don't recognize the account numbers listed with the credit reporting agencies as they are not the account numbers as provided to me from XXXX and the information on these alleged accounts does not have the accurate information. I am requesting that this account is removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Kikoff Inc.
State: CA

Complaint narrative:
I WAS CHECKING MY CREDIT REPORT AND SAW THIS COMPANY, I HAVE NEVER HEARD OF THEM BEFORE, I TRIED TO CALL BUT THERE IS NO LIVE HELP, THIS IS IDENTITY THEFT AGAINST ME, I DID NOT APPLY FOR THIS AND I AM NOT RESPONSIBLE, THIS IS THE FRAUDULENT INFO I SEE ON MY CREDIT REPORT : Account info Account name KIKOFF LENDING LLC Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$55.00} written off. {$30.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX Balance {$55.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$750.00} Highest balance {$60.00} Terms - On record until XX/XX/XXXX 2029

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: Westlake Services, LLC
State: GA

Complaint narrative:
West lake portfolio financial LLC has used my info incorrectly, and continues to report my info incorrectly. 
From XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX Has violated my rights 15 U.S.C. 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section @ : it also states a consumer reporting agency can not furnish an account with out 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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX  sent me a letter stating the account in question was charged off XX/XX/XXXX due to non payment with a balance of {$4000.00} XX/XX/XXXX the account was placed with XXXX XXXX XXXX XXXX to assist in collection efforts. 

On XX/XX/XXXX a lawsuit was filed with First District Court XXXX XXXX, State of Illinois, but later dismissed WITHOUT prejudice on XX/XX/XXXX. I ask that you immediately investigate and confirm this debt was dismissed without prejudice and remove it from my credit report and all of XXXX XXXX  records as the debt is no longer owed or valid.

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On my personal information form it said my name as XXXX XXXX XXXX, XXXX XXXX XXXX. My name is XXXX XXXX XXXX ( my middle name is XXXX XXXX. 

I was born at XXXX XXXX in XXXX but I'm from XXXX XXXX  There is not any one-in-the-same XXXX XXXX XXXX or 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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I went to use my credit and was told that it showed I owed Child Support Payments. I called XXXX, Experian and XXXX to inform them that there was incorrect information and was told to send in a dispute. I do not know how this happened as I make all my payments and this incorrect reporting is affecting me growing my finances. I am providing proof of my child support payments that are automatically taking out of my paycheck weekly.

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I bought an XXXX laptop from the XXXX website and I applied for a credit card. Within XXXX minutes of placing the order I canceled it as I got a better price from XXXX XXXX. However, XXXX said I would have to tell the XXXX XXXX I would not accept the package and to have it returned. 

I never accepted the computer, I never purchased anything on the credit card yet they claim I have a late payment which is impossible since I never accepted it and XXXX received the computer. 

I have a late payment on my XXXX credit report.

Company response to consumer: Closed with non-monetary relief