vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-11 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: FL

Complaint narrative:
Starting XX/XX/XXXX, out of nowhere my federal student loan started showing as delinquent while we were under a national covid-19 pandemic. Federal student loans are suppose to be in forbearance and protected from wrong reporting and collection activities. I reached out to my student loan servicer XXXX & they informed me that the account payment information will be corrected, they also advised me to reach out the all credit bureaus. It's been months and my credit reports still show delinquent payments from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: FL

Complaint narrative:
Starting XX/XX/XXXX, out of nowhere my federal student loan started showing as delinquent while we were under a national XXXX pandemic. Federal student loans are suppose to be in forbearance and protected from wrong reporting and collection activities. I reached out to my student loan servicer XXXX & they informed me that the account payment information will be corrected, they also advised me to reach out the all credit bureaus. It's been months and my credit reports still show delinquent payments from XX/XX/XXXX to XX/XX/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 2022-09-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My claim was denied for an amount over XXXX. I didnt receive any reason. The claim was refiled in XX/XX/XXXX. I have called XXXX times and asked them whats taking so long. I escalated the dispute and as on XX/XX/XXXX I still have not yet received a provisional credit or resolution. 

The last person I spoke to in XX/XX/XXXX told me the bank offers a provisional credit at the discrepancy of the bank. I was not issuers XXXX. I asked why the investigation was taking so long and its been well over the time limits of 45 days. The supervisor told me my case went to special teams and there is no time limit for investigation.

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 monetary relief
Consumer complaint received 2022-09-11 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: MO

Complaint narrative:
XXXX XXXX XXXX on XXXX XXXX reported on my report with no permission from me, i am a living human being that did not give any permission!!! 
15 U.S, C section 602 A. States I have the right to privacy. 
15 U.S.C. section 602 A section 2 is also states that a consumer reporting agency can not report my account with out my written instructions. 
15 U.S.C.1692Cwithout the prior connect of the consumer given directly to the debt collector or the express permission of the court of competent jurisdiction a debt collector may not communicate with consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXk, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I, XXXX XXXX, a federally protected consumer exercised my rights per the Fair Credit Reporting Act and the Fair Debt Collection Act by submitting a dispute to Experian on XX/XX/2022 via the Experian XXXX XXXX dispute center. Experian responded on XX/XX/2022 that the dispute was received and could take upto 30 days for completion. Experian also ensured that all investigation results would be shared with me at the end of the investigation by Experian as well as the creditors which are XXXX XXXX XXXX and XXXX XXXX XXXX On XX/XX/2022 Experian contacted me via email and the online Experian dispute center to inform me that my dispute investigation had been completed as of XX/XX/2022. Experian failed to ensure a thorough investigation because Experian, XXXX, and XXXX are all reporting incomplete, inconsistent, and inaccurate information in regard to both disputed accounts as of XX/XX/2022. Experian claims to have conducted an investigation yet I have not received any debt validation results that would support permissible purpose for these accounts being furnished by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and also no permissible purpose for the reporting of incomplete, inconsistent, unauthorized, and inaccurate information to my Experian consumer report. This is a clear example of experians willfully noncompliance and negligence to rectifying my affairs. This is a violation of 16 USC 1692 and 15 USC 1681b. If experian is claiming to have investigated yet I can not determine between experian, XXXX, or XXXX who is housing accurate consumer information then accounts must be deleted immediately. Also, the creditors of the above-mentioned accounts have failed to provide debt validation within 30 days of receiving the dispute request thus these accounts must be deleted/ permanetly removed immediately upon receipt of this complaint.

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 2022-09-11 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: MD

Complaint narrative:
As a pervious report stated this account reported is FRAUD and yet it is still listed on me report. I have filed a complaint on two separate occasions with the FTC and the local police department. This time around I have retained an attorney and they advised me to file the complaint once more and stating the obvious involving fraudulent accounts listed on a credit report. They said they investigated but the evidence provided was a receipt that is not at all validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
hello I am attempting to resolve issues I am having with debts being reported on my credit report that does not belong to me. The creditors bon my credit report were made aware that I was a victim of identity theft in 2019. I reported the identity theft incident along with notifying the registering through the ftc, gov to file a report. I recently re- requested debt validation of the fraudulent debt being serviced by the bureaus and was instead sent a manila envelope where inside i found four months of a credit card statement from capital one that has my name on it. These photocopies are of an account that Ive never seen nor used. This print out was not from the current agency. They just sent papers from the previous debt servicer with my name and a previous address. This is not authentic proof to compel anyone with common sense into being secure in ownership The bureaus is attempting to collect {$480.00} from me. 
for a Capital one account they say ive opened. This along with other accounts were opened in my name during my senior year of high school. Not only are the trying to collect a debt I did not create, the company reuses to provide real debt validation information to include the original contract or affidavit showing that I allegedly signed to establish the account. It can not exist as this is idenity theft and not mine. 
They have the burden of proof. My rights have been violated, this account should reflect that it is in dispute. It does not that is a XXXX fine penalty. 
The account is being listed on all major bureaus improperly, as an open collection I have not established any credit or entered into a contract with them to have an open collection with the bureaus account. with a balance due. the deceptive way the debt is being reported is causing more damage than necessary. 

I ask that you help me encourage the bureaus collection agency do what is right and remove this erroneous information from my credit file. thank you in advance XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX, XXXX XXXX bank XXXX XXXX XXXX XXXX, XXXX  XXXX bank, 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 2022-09-11 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: PA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX bank XXXX, XXXX XXXX bank XXXX XXXX XXXX XXXX, XXXX  XXXX bank, 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 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Can not access my consumer report published by Equifax. Please review attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: MO

Complaint narrative:
XXXX XXXX XXXX on XXXX XXXX reported on my report with no permission from me, i am a living human being that did not give any permission!!! 
15 U.S, C section 602 A. States I have the right to privacy.

15 U.S.C. section 602 A section 2 is also states that a consumer reporting agency can not report my account with out my written instructions. 
15 U.S.C.1692Cwithout the prior connect of the consumer given directly to the debt collector or the express permission of the court of competent jurisdiction a debt collector may not communicate with consumer in connection with the collection of any 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 2022-09-11 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: MO

Complaint narrative:
XXXX XXXX XXXX on XXXX XXXX reported on my report with no permission from me, i am a living human being that did not give any permission!!! 
15 U.S, C section 602 A. States I have the right to privacy.

15 U.S.C. section 602 A section 2 is also states that a consumer reporting agency can not report my account with out my written instructions. 
15 U.S.C.1692Cwithout the prior connect of the consumer given directly to the debt collector or the express permission of the court of competent jurisdiction a debt collector may not communicate with consumer in connection with the collection of any 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 2022-09-11 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: World Omni Financial Corp.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, SOUTH EAST TOYOTA FINANCIAL DBA OF WO, account number XXXX has violated my rights by reporting negative late payments from XX/XX/XXXX to XX/XX/XXXX. According to 15 U.S.C. 1681, Section 602 A, it states I have the right to privacy, as well as, 15 U.S.C. 1681, Section 604 A, Section 2, which states a consumer reporting agency can not furnish an account without my written instructions. Therefore, I am requesting this account be removed, and deleted. from my credit report with XXXX, XXXX and XXXX, as my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX have violated my rights. According to : 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: FL

Complaint narrative:
Accordance with the Fair Credit Reporting Act XXXX  Account : 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 instructions. 
XXXX XXXX XXXX : XXXX XXXX : Transunion XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion XXXX XXXX XXXX XXXX : XXXX : Transunion : 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 2022-09-11 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: FL

Complaint narrative:
Accordance with the Fair Credit Reporting Act XXXX  Account : 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 instructions. 
XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX XXXX  XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX : XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One : Made a purchase of 1x item. 
Vendor charged me 8x. 
Filed a dispute of charges which was honored. 
1 week later reinstated. 
Called over a dozen times to no avail. 
Sent proof of purchase to no avail. 
Told by rep that proof of purchase from the vendor was never submitted. 
Paid for my 1x purchase and cancelled my card in XX/XX/2022. 
Even though I did not received my 1x purchase. 
6 months later, started receiving the fraudulent charges with interest. 
Unacceptable!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-11 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 Account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
On XXXX I purchased jewelry from XXXX for {$700.00} that I never received. I have tried numerous times to contact the merchant but was unsuccessful. To this day I have never received my product, or a tracking number at all. I have mailed my dispute and faxed it to barclays dispute address yet i have never received any form of communication. I need barclays to initite a chargeback and return my hard earned funds of {$700.00} to my account. 

On XXXX I was charged {$730.00} by the same merchant and i never received any item. Barclays has denied my dispute and decided in the merchants favor yet this is unacceptable!! Barclays has not yet had adequate proof that i received my items. no tracking number or anything! i am requesting barclays to initiate a chargeback of {$730.00} back to my account. If my dispute does not go in my favor yet again I will be forced to sue for arbitration/litigation.

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 2022-09-11 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, 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