vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 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: LA

Complaint narrative:
SEE ATTACHED Experian XXXX XXXX XXXX, XXXX, XXXX  XXXX Dear Experian There is information on my consumer report that is a result of Idenity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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  The only name should be listed on my report is ; XXXX XXXX XXXX remove ALL other variations The only address should be listed on my report is ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX remove ALL others The only phone number should be listed ; XXXX remove ALL other There shouldnt be any employer listed as I am self employed remove ALL employers You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of this receipt of this notice. I look forward to your response. 

Thank you

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 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A fraudulent set of 3 ach transactions were debited from my account on XXXX The amount was {$28000.00}. The fraud was detected immediately while the transactions were on hold and still processing. 

The ach transactions should be easy to recover because there were to XXXX XXXX, XXXX XXXX, and XXXX 

Bank of America debited these ach transactions refuses to credit these transactions to iur account for 90 days. 

These funds are needed to make payroll this friday for my employees. This Frida is also the date of the company 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 2022-12-13 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: MN

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for, and now my account has been closed. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2022-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Conn's, Inc.
State: AZ

Complaint narrative:
On XX/XX/2022 I applied for a loan with Conns home direct for an XXXX laptop. After repeatedly trying to contact them on movement of the product, I finally canceled the purchase over email with their team, which I got confirmation the cancelation was made. On XX/XX/XXXX, I found the purchase on my credit report. After calling multiple times, I found the computer was purchased in XXXX ( a new and separate purchase ) and delivered on XX/XX/XXXX. During that time, I never received emails to confirm the purchase, sending the tracking information, or any of the other emails that were sent with my previous purchase. Also, there was not any logs on my nest doorbell of any delivery for that day that may have been stolen. I requested the company remove this information from my credit report over the phone AND through a credit dispute. They in turn updated the dispute to show a payment was made, which I did not do. And have not made any attempt to cal back. On my calls with them, I confirmed all my information was correct so how I never received or show any of this from my emails, payment account, or delivery address screams that there is something more going on other than someone stealing my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
validate the amount and the dates of debt, I do not own this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: TX

Complaint narrative:
EQUIFAX is causing me damage to my character and ability to obtain credit by their willful non compliance to remove accounts identified as a result of identity theft per attached letter dated XX/XX/2022. I provided the required documents. Most of the accounts/addresses were removed. 

I am requesting a copy of my consumer file from Equifax that has the certification that a representative of Equifax saw the written permissible purpose documentation as prescribed in 15 USC 1681 b2 that provided the permissible purpose that Equifax certified that I gave permission to these companies to have this information furnished on the consumer report. 
Because under 15 USC 68O2. None of these companies, financial institutions or third party affiliates can not put anything on my consumer report without my permission without my written consent. 

I demand the following accounts be deleted immediately. 

Name of account Account Number XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
validate the amount and the dates of debt, I do not own this debt

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 2022-12-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
validate the amount and the dates of debt, I do not own this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
validate the amount and the dates of debt, I do not own this debt

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 2022-12-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, AXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, DEPT OF XXXX XXXX Account # XXXX, XXXX, XXXX, XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX, XXXX, XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Grain Technology, Inc.
State: OH

Complaint narrative:
For the past 3 months, I have attempted to log in to my account and couldnt. I could not make payments on time and by not being able to do so affected my credit in a negative way. I have reached out to this company by email on several occasions to fix the app issue, and nothing has been resolved. I do not have access to my available credit or to the account to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: TN

Complaint narrative:
I have filed a FTC complaint, and Experian still refuses to remove the items listed in the complaint. FTC report # XXXX Items to be removed Immediately : PERSONAL INFORMATION 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 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 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 2022-12-13 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: LA

Complaint narrative:
In accordance with the fair credit reporting act l. The list of accounts below has violated my federally consumer rights to privacy And confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States that I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2. It also states that consumer reporting can not furnish an 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 items of information other than records of convictions of crimes which antedate the report by more than 7 years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person should not furnish any information relating to a consumer reporting agency if the person knows or has responsible 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 2022-12-13 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: LA

Complaint narrative:
In accordance with the fair credit reporting act l. The list of accounts below has violated my federally consumer rights to privacy And confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States that I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2. It also states that consumer reporting can not furnish an 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 items of information other than records of convictions of crimes which antedate the report by more than 7 years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person should not furnish any information relating to a consumer reporting agency if the person knows or has responsible 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 2022-12-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Yamaha Motor Finance Corporation USA
State: MA

Complaint narrative:
Made multiple payments and improperly charged interest on the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: AL

Complaint narrative:
I thought someone had made transactions from said account. I didn't do it but I did manage to cancel manually through online access. Startled, I asked for the account to be investigated and this brought on suspension since, XX/XX/2022. I called in several times and all accounts were stated as recorded. No one can release nor unsuspend my account from investigation. Therefore, I had the right to disregard the investigation and asked for cancel of investigation to open access to my account. My Rewards Checking account has {$340.00} of my own money in it and I have had NO access since XX/XX/2022. I need access to my funds or send me a check for the remainder is what I further stated before getting frustrated. Can't access my own funds is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Updated and new information : Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FIAR CREDIT REPORTINGACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681is-3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the late payments from my consumer report this agency is in violation of 15 USC 1681 see attachments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Updated and new information : Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FIAR CREDIT REPORTINGACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681is-3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the late payments from my consumer report this agency is in violation of 15 USC 1681 see attachments

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 2022-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I am a victim of fraud and/ or identity theft, I am disputing the items on my credit report .I never authorized, used, or benefited from these accounts or transaction in ay way

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
FCRA Violation credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation credit card payments not late XXXX XXXX FCRA Violation other loans not mine REGIONS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FCRA Violation hard inquiries not mine 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 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 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 FCRA Violation collections not mine XXXX XXXX XXXX FCRA Violation installment not mine XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation personal information not mine XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, LA 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