vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I took over the care of my XXXX who has XXXX. I spoke to my bank before depositing her check into my account. I was told it was ok to do so on XX/XX/XXXX so I did. On XX/XX/XXXX the check cleared and the bank froze my account. I brought my XXXX into the branch with me and they stated they would be closing my account and will be sending our money in the mail. I was totally confused because I was in the process of adding her to my account and I've never had any problems with my account. They closed my account on XX/XX/XXXX and told me several times on the phone I would get the funds. My last conversation with them they informed me I would not get the money from my account and would not communicate with me further.

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 2023-05-31 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: GA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: PA

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 Navy Federal XXXX. has violated my rights.15 U.S.C 1681 section 602 A. States I have 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 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: TX

Complaint narrative:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: PA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXX XXXX ( XXXX ) Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) 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 FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( XXXX ), the term consumer report does not include Subject to section 1681s-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 above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. 
Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One has stated that I owe an alleged debt for a credit card. I told Capital One that I do not owe them any alleged debts and they should stop their collection attempts. I demanded to " Opt Out '' of them sharing my information to everyone and for them to properly validate this alleged debt. They ignored me by not validating the alleged debt and continuing to share my private information. See attach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rodenburg LLP
State: ND

Complaint narrative:
Surrendered the car to XXXX XXXX XXXX XXXX in XXXX  in XXXX. I was incarcerated and jail in XX/XX/XXXX until XXXX, never heard from them. Now, I live in XXXX XXXX haven't heard from them until XX/XX/XXXX. The original amount was {$9000.00} and now they want me to pay the amount of XXXX, they have a lean on my house and they are trying to garnish my wages. The XXXX  Law Firm in XXXX is handling the case now. I have asked the original documents but they can not provide it and I thought it was a scam because it's been over 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: KY

Complaint narrative:
ZION DEBT HOLDINGS LLC is fraudulently furnishing the information listed below. There have been unauthorized disclosures of my personal identifying information. ZION DEBT HOLDINGS LLC is fraudulently furnishing the information listed below. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
Huntington National Bank, XXXX XXXX XXXX, Attn : XXXX, XXXX, Ohio XXXX Subject : Request for 1099 Statement Dear Huntington National Bank, I hope this letter finds you well. I am writing to request your assistance in obtaining a 1099 statement for the tax year XXXX. While reviewing my financial records, I discovered that there is an account with Huntington National Bank that has been charged off, and I need the corresponding 1099 statement to accurately report the taxable income. 

Based on my understanding, a charged-off account signifies that the bank has deemed the debt as uncollectible. However, as the account holder, I still need to report the charged-off amount as taxable income in accordance with the Internal Revenue Service ( IRS ) regulations. 

Therefore, I kindly request that you provide me with a 1099 statement for the charged-off account, detailing the necessary information to properly report the taxable income. This statement should include the charged-off amount, any applicable interest, and other relevant details as required for tax reporting purposes. 

I understand that obtaining the 1099 statement for a charged-off account may involve a different process or require specific documentation. If there are any forms, declarations, or procedures that I need to complete to facilitate this request, please provide me with the necessary instructions or guidance. I am more than willing to provide any additional information or documentation that may be required to expedite this process. 

As the tax filing deadline is approaching, I kindly request your prompt attention to this matter. Ensuring accurate tax reporting is essential to me, and I greatly appreciate your cooperation in providing the necessary documentation in a timely manner. 

If you require any further information or have any questions regarding this request, please do not hesitate to contact me at your earliest convenience. I am available to provide any additional details or clarification that may be necessary. 

Thank you for your understanding and prompt attention to this matter. I value the services provided by Huntington National Bank and look forward to resolving this issue so that I can fulfill my tax obligations accurately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: NV

Complaint narrative:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX inquired on XX/XX/23. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

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 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MS

Complaint narrative:
I am writing to request the removal of bankruptcy reporting from my credit reports. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the full social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions and/or criminal histories. However, the Privacy Act of 1974 and the Federal Rules of Civil Procedure 5.2 prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. As a result, any bankruptcy reported is unverifiable and in violation of both federal and state law as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action lawsuit should a similar situated class decide to pursue such action. Therefore, I am requesting that any bankruptcy reporting be removed from my credit reports immediately. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the bankruptcy reporting from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: NV

Complaint narrative:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX  inquired on XX/XX/XXXX and on XX/XX/XXXX The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

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 2023-05-31 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: TX

Complaint narrative:
XXXX XXXX account XXXX XXXX This company is reporting my consumer information inaccurately as follows : 1. Its reporting as a charge off but says there is currently a balance. They cant claim as a loss on taxes & also still collect said debt. 

2. They are also reporting my last payment as XX/XX/XXXX on XXXX & Experian. Yet, on XXXX they are reporting XX/XX/XXXX as my last payment. 

3.Their reporting on XX/XX/XXXX under payment history says Charge off on Experian, Paid on XXXX and then nothing for XXXX. 

4. Also they are reporting my account opened on XX/XX/XXXX but only reported to Experian as paid. Then XX/XX/XXXX - XX/XX/XXXX show as paid on experian but XXXX as paid no issues with XXXX & 0 payments ever on XXXX. 

5. Reported as charged off across all 3 bureaus but have not reported any payments to XXXX while reporting to Experian as well as XXXX of payments.

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 2023-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I HAVE FILED A FTC IDENTITY THEFT REPORT AND I SENT IT TO XXXX, TRANSUNION, AND XXXX ALONG WITH ALL THE DOCUMENTATION NEEDED TO SUPPORT MY CLAIM AND THEY REFUSE TO BLOCK/DELETE THE ACCOUNT DISPUTED DUE TO FRAUD. 

15 USC 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT : ( a ) BLOCK a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECIEPT BY SUCH AGENCY 1. appropriate proof of the identity of the consumer 2. a copy of an identity theft report 3.the identification of such information by the consumer ; and 4. a statement by the consumer that the information is not information relating to any transaction by the consumer I HAVE MET ALL 4 OF THESE ITEMS ABOVE AND THE ACCOUNT IN QUESTION SHOULD BE BLOCKED/DELETED 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 non-monetary relief
Consumer complaint received 2023-05-31 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: IL

Complaint narrative:
I HAVE FILED A FTC IDENTITY THEFT REPORT AND I SENT IT TO XXXX, XXXX, AND EQUIFAX ALONG WITH ALL THE DOCUMENTATION NEEDED TO SUPPORT MY CLAIM AND THEY REFUSE TO BLOCK/DELETE THE ACCOUNT DISPUTED DUE TO FRAUD. 

15 USC 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT : ( a ) BLOCK a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECIEPT BY SUCH AGENCY 1. appropriate proof of the identity of the consumer 2. a copy of an identity theft report 3.the identification of such information by the consumer ; and 4. a statement by the consumer that the information is not information relating to any transaction by the consumer I HAVE MET ALL 4 OF THESE ITEMS ABOVE AND THE ACCOUNT IN QUESTION SHOULD BE BLOCKED/DELETED IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Spoke with Navient representative XXXX on today I informed her I could make my payment today. However, moving forward for the next three months I will not be able to make payments due to being out of work. She began asking me personal questions on who can help me make my payments such as my cosigner I told her she is not working anymore she is XXXX. She then asked me if the childs father can make the payment. I find this question so unprofessional and personal this is her second time posing this questions Ive never had a company go down a list of people to help you make payments as if I havent thought of that my own. Then she asked it my parents can help and I informed her they were deceased. She stated there is no forbearance or any program that can pause or stop me from making payments until after my three month leave period and I begin my job back. She told me maybe by next month I can have something figured out to make these payments I find them so unprofessional and insensitive every time I speak with this company. I dislike them they are the worst private loan company a person can have. I get upset everytime I have to answer their calls. They dont care about customers they dont accept payments a customer can make. They do everything like poke in people personal business but accept what they do have to give. They need to be shut down already all the lawsuits they have received in the last couple of years!

Company response to consumer: Closed with explanation