vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 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: LA

Complaint narrative:
FTC Report XXXX I never gave written consent to any of following to report on be have. Transunion, XXXX XXXX nor XXXX XXXX, XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX. They violating fair credit reporting act, fair debt practices act and my fifth amendments

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Teletrak, I am requesting a copy of my consumer report - attached is your requested form and my ids.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
One day an envelope arrived at my house with a check and some instructions to deposit the check into my bank account and I was waiting for the check to reflect when I checked my account it was canceled because the check is fraudulent I told the bank that I have the evidence that I was doing a job online and even so they did not give me the opportunity to send the documents. They just told me that my account is closed and the funds I have to pay my rent and bills I could not withdraw and my account is negative

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: NC

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it 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 2023-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: IL

Complaint narrative:
They are overcharging me for a last payment for a loan that got superseded/absorbed by a new loan. I made the payment, {$55.00} ( when my monthly payments are {$100.00} ) and they deducted it. Now they say it didnt happen. When I specifically spoke with someone, ordered the payment outside of my due date for the XXXX monthly payment. And today I just got another call and I explained the situation, and they said that the XXXX went to the new loan. And want to charge me XXXX AGAIN. After i just paid my XXXX  monthly payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear CFPB, I am writing to address significant inaccuracies in my personal information on my credit report. The following details should be corrected as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Date of Birth : XX/XX/1991 The current information on my credit report regarding my name, address, and date of birth is incorrect. I kindly request the immediate removal of these inaccuracies from my credit report, as they are impacting my ability to secure financial opportunities. 

Your prompt attention to this matter is greatly appreciated, and I anticipate swift resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: SC

Complaint narrative:
XXXX, XX/XX/2023, I called Discover Bank at XXXXXXXX XXXX XXXX with instructions to issue a Cashiers check. The agent processed the check without asking who I wanted to check to be payable to. When I let her know she didnt ask who the check would be payable to, she said no problem, XXXX get someone to help reverse the error. I was transferred to a second level who informed me I would have to wait XXXX business days before the funds would credited. I asked for a supervisor and was told the same. I explained I didnt have the funds to send for a second check and needed my money credited back. These proceeds were for a legal settlement. The supervisor refused to credit my account while acknowledging their error. How can they refuse to credit my account for their error?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: GA

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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:
In accordance to the Fair Credit Reporting act XXXX XXXX XXXX Account XXXXXXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX  has violated my rights. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instruction.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it 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
Consumer complaint received 2023-10-13 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: Avant Holding Company, Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC1681, section 602, which states that I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
In all the documents I showed time stamps of when the fraud occurred, actions taken at that time and the location of where the purchases occurred. You can see multiple new device log in information from someone with and XXXX in XXXX. They changed both my password, pin and added my payment info to different wallets and emptied all 3 of my accounts within 30 minutes. The person who called me said they were with Chime, even the same customer service number displayed on the caller ID. " XXXX '' The password and new pin were provided to me when I noticed something wrong, upon checking my account 8 transactions of the same dollar amounts empting everything I had. I then called the Chime number back XXXX and the new rep I spoke with had no idea what I was talking about. This is fraud!! Chime has denied my request to reverse the charges stating no error had occurred even with proof provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
i sent the credit reporting agency letters stating that my mortgage company was reporting. Inaccurate information I sent proof bank statements of date payments were made and they said they validated or verified that it was true no I sent actual proof of my bank statement, but they didn't send me anything of the process that they did to prove that it was verified so I'm requesting them to remove those late payments from my credit report. 
according to 15 usc 1681s-2 -1681 ( a ) ( 2 )

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 2023-10-13 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:
PLEASE VERIFIQUE THESE ACCOUNTS, BECAUSE THE INFORMATION IS INCORRECT, AND THESE ACCOUNTS IS NOT MINE ACCOUNTS : XX/XX/XXXXREMOVE THESE INQUIRIES, I DONT AUTHORIZE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX FL. XXXX. 

XXXX XXXX XXXX XXXX, XXXX FL. 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 2023-10-13 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: SC

Complaint narrative:
Have inquiries on my account that i don't have no clue about! Please remove.

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 2023-10-13 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Have inquiries on my account that i don't have no clue about! Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX {$810.00}. The original creditor is XXXX XXXX XXXX. This Is a medical collection this account is illegally reporting on my credit report. This is violating my privacy and HIPAA law please remove this from my credit report or you are opening yourself up for litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting 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: OK

Complaint narrative:
My experian, XXXX and XXXX credit report show incorrect information. I do not have job and I'm unemployed. Please make sure it says I'm unemployed

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 2023-10-13 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: PA

Complaint narrative:
Equifax Has been reporting false late payments on a previous mortgage I owned for several years. I have disputed these false late payments multiple times. The original false late payments were during the time of the mortgage. Neither Equifax nor the mortgage company, XXXX could verify the false late payments. Instead of Equifax deleting the false late payments, they rearranged the dates of the false late payments. Equifax is now reporting false late payments in XX/XX/XXXX and XX/XX/XXXX when the mortgage was closed in XXXX. This is impossible. I reached out to XXXX corporate to ask them for help correcting this manner. I have enclosed the email XXXX sent me stating they will reach out to all XXXX credit bureaus to ask them to remove the false late payments. Both XXXX and XXXX have deleted the false late payments. It has been 52 days since XXXX contacted Equifax and 45 days since I contacted Equifax. Equifax has failed to delete these false late payments. These false late payments are preventing me from buying a house and I need them deleted immediately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WV

Complaint narrative:
On XX/XX/XXXX I first contacted MOHELA to see how I could lower my repayment and still have the payment qualify for PSLF. I was advised I should move to the standard repayment plan saving over {$100.00} per month, and I requested the switch. When the statements finally came out in the beginning of XXXX my payment had not been adjusted. I called on XXXX and spoke with XXXX, he also seemed surprised it had not yet been processed, and said within a few days it should be completed and I can view the adjustment online. On XX/XX/XXXX this has still not been updated. I attempted to call their customer service line again and requested the call back option. It has now been almost 4 hours and I have not received a call back. I found a fax number for MOHELA and submitted my request/complaint there on XX/XX/XXXX, but I have no faith in their customer service at this juncture. Please assist in helping my payment get lowered prior processing on the due date of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Unauthorized inquires on my credit report that does not belong to me and I did not authorize them

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Unauthorized inquires on my credit report that does not belong to me and I did not authorize them

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