vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
XXXX XXXX  ( Mr. Cooper ) refused a " Reverse Mortgage '' on a 3.875 % loan {$250.00} House with {$82.00} left on the mortgage. My age is XXXX with the need for senior citizen.line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There is an inquiry on my Transunion credit report called XXXX XXXXXXXX XXXX  XXXX XX/XX/22. I have never applied for a Mortgage loan ... .EVER!

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 2022-08-20 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, NY XXXX i son my Experian credit report. I DO NOT OWN THIS PROPERTY NOR HAVE I EVER LIVED THERE. I've sent quite a few letters on this issue to have this fraudulent property removed.

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 2022-08-20 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: NY

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 XXXX5 USC 1681.

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

15 U.S.C 1681 section 602 A. Section XXXX : It states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) 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 crime with antedates the report by more than seven years. 

XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXXXXXX XXXX OF XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: IN

Complaint narrative:
After carefully reviewing my EXPERIAN credit profile I noticed several credit inquires being reported that I did not authorize, nor do I recognize. The credit inquires that I am referring to are as listed along with the dates : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: NY

Complaint narrative:
I XXXX XXXX sent DISCOVER certified mail a affidavit with violations that they committed. This resulted in DISCOVER closedown my account without my permission, which is a violation under the of Permissible Purposes 15 USC 1681b. I was not compensated for the other violations under FCRA and TILA. I sent them a NOTICE OF INTENT TO ENFORCEMENT, stating where they were in violation and how I rather handle this out of court and not wasting anyone time, especially the JUDGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: IN

Complaint narrative:
After carefully reviewing my EQUIFAX credit report I noticed that there are several inaccuracies. Amongst these inaccuracies there are 4 credit inquires that I did not authorize, nor do I recognize. The following inquires are as listed along with the dates in which they occurred : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I was made where of an account that is XXXX years old less than a year ago when I finally started looking at my credit report for the XXXX time. Since then I have had it deleted from XXXX  but experience and XXXX at the disputing it multiple times can't get it right. I even have had XXXX say it would be removed and it just hasn't came off yet and it's now XXXX months later.

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 2022-08-20 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: CA

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

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-08-20 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: DISCOVER BANK
State: MI

Complaint narrative:
I made an online purchase in XXXX on my Discover card for {$470.00}. Monthly I contacted the company, XXXX, to get updates on merchandise. In XXXX, XXXX stopped responding and the web site disappeared. My merchandise was never delivered. I alerted Discover by phone end of XXXX and sent the documentation I had on the XXXX of XXXX including my original order, all the correspondence I received and sent from the company as well as the fact that the company no longer had a web site and was no longer responding to emails. Discover did an " investigation '' and despite not talking to the merchant or having any evidence that my merchandise was delivered found the charge valid and will not refund my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
Power Finance Texas seems to call my phone occasionally and leave voicemails. All I hear on the voicemail is this is " Power Finance texas resolution department XXXX '' Please call our resolutions department to discuss your account. I do not have any account 's with Power Finance Texas. Not sure why they are calling me. This account was opened due to identity theft, I did not receive any loan proceeds. The Employer this company has is invalid. That's not my employer. The company also attempted to charge a debit card that was closed also due to fraud. I do not have the email they have on file " XXXX '' This email was hacked as a result of identity theft. XXXX has been notified, and this email was found in a breach on the dark web per my identity alerts. I do not accept responsibility for a loan I did not apply for, I did not sign for, and I did not approve or receive. I should not be responsible for something I didn't receive. I do not know who received it. I will not be answering calls from anyone I do not know, and I will not validate any information with this company as I am not responsible for this account. I did not approve the application, I did not apply and I did not sign anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2022 I, XXXX XXXX XXXX applied for an auto loan through Capital One. 
I was sent a denial of credit letter shortly after that. They violated my federally protected consumer rights : 15 U.S. Code 1642 15 U.S. Code 1681M 12 CFR 1002 I have been discriminated against and I am now seeking for this company to rectify this situation that they are now liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: Avant Holding Company, Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX, Sir XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. ( XXXX ) XXXX XXXX XXXX recently received a notice from Avant. I am a victim of identity theft, my information was sold to the dark web. I believe an Avant account has been opened in my name as a result of fraud. I have placed a fraud alert and credit freezes on all my credit reports so that I am to be notified of anyone trying to impersonate me or use my information illegally. I did not apply for any Avant product nor service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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:
US DEPT OF EDXXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. US DEPT OF EDXXXX be is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. I hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and US DEPT OF EDXXXX. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. US DEPT OF EDXXXX, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.

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 2022-08-20 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:
US DEPT OF EDXXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. US DEPT OF EDXXXX be is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. I hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and US DEPT OF EDXXXX. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. US DEPT OF EDXXXX, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.

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 2022-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: SD

Complaint narrative:
I have spoke with the company previously regarding making payments through their website. They keep saying that they can't take my payment but then contact me multiple times saying they are trying to collect on a debt. I have mentioned to them previously that their dialer system contacts consumers multiple times in one day and this is in violation of my rights. I was told it was fixed. Today, XX/XX/2022, I received 5 calls between XXXX and XXXX XXXX. I believe this to be annoying and harassing as well as against my rights as a consumer. I asked again why I can't make payments through my account online only to be told that they are still doing " updates ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XX/XX/2022, Got letter from XXXX stating I applied for credit, and I did not apply for credit. 

A XX/XX/2022 Fraud Hard credit hit from XXXX showing on my Equifax report, I did not apply for and credit with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20 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: FL

Complaint narrative:
I received my credit report on XX/XX/XXXX, and noticed some addresses and names that were incorrect. So I contacted Experian on their website and tried to dispute the wrong addresses and names. The website said I needed to send proof of residency and my ID. Which I did on XX/XX/XXXX. I sent a letter asking them to remove all other names and addresses from my credit report. I'm scared of Identity theft and if their addresses are receiving credit card offers in my name. We live in a crazy world. The tracking number for the letter I mailed to Experian certified USPS is XXXX. After mailing the letter, I waited 5 business days. Then I checked to see if the incorrect information was deleted. I was shocked that the incorrect information was still there. I had no problems from XXXX or XXXX. So I called on XX/XX/XXXX to see if they needed anything from me to remove the incorrect information, but they flat out refused to remove the incorrect names and addresses. So I decided I would give it a week or so and try again. So on XX/XX/XXXX, I called again to be told they will absolutely NOT remove any of the incorrect information. I have tried every avenue I can think of to get this problem resolved. According to 15 USC 1681 : I have not given my written consent to any person or company to put my personal information on my credit report. The incorrect Addresses on my credit report are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The incorrect names are : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 
Please help me get these removed.

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 2022-08-20 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: IL

Complaint narrative:
I saw this verbiage on my XXXX credit report that I did not wright : XXXX & xx-xx-xx xxxxxxx id fraud victim alert fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. do not extend credit without first contacting me personally and verifying all application information at day XXXX or evening XXXX. this victim alert will be maintained for seven years beginning XXXX. 

I don't know where this came from but the XXXX is a number I do not recognize the XXXX is my cell phone. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX is the only information that should be on my account Also I am employed by 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