vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-05 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:
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. 

XXXX  XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 

I have also sent NUMBEROUS request for them to update my personal information to the current information sent with my disputes and they haven't done so. This violates [ 15 U.S.C. 1681 ] ( a ) ( 4 ) - States I have the right to privacy.

[ 15 U.S.C. 1681b ] ( a ) ( 2 ) - It also states a consumer reporting agency can not furnish a account without my written instructions [ 15 U.S.C. 1681c ] ( a ) ( 5 ) - 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. 1681s2 ] ( 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.

[ 15 U.S.C. 1681I ] ( a ) ( 1 ) ( 2 ) ( A ) - Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one XXXX)
XXXX bankXXXX
Capital okne XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX

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 2022-08-05 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX

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 2022-08-05 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: CA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 2 ALSO SRATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH MY 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 2022-08-05 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: CA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX, ACCOUNT # XXXX XXXX, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 2 ALSO SRATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH MY ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: MD

Complaint narrative:
Upon reviewing my reports, there are still incorrect accounts found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to updated and corrected immediately : XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$8000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$110.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$39000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$510.00}

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 2022-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I was coerced into signing up for a XXXX XXXX by a salesclerk at a XXXX store and I did. I signed up for the card and purchased to items with the card. However right after I purchased the items I returned to my residency at my university and therefore never received the card because it was sent to my home address. After a couple of months passed I received a call from Comenity Capital bank saying that I was overdue on the payment and therefore would have to pay XXXX which I did. 

A couple of months go by and I make another purchase at XXXX with my card ( though I still don't have the physical card so I have to use my phone number associated with it ). This time I make sure to pay it within a reasonable time frame so I can avoid the interest fees. However without a card I have to call to make the payment. I call to make the payment with a representative to make a payment, and then I am directed to a machine. The machine is unable to process my payment so I have to call back to speak to a representative to make the payment with the representative. The representative tells me I have a payment coming up THAT IS NOT DUE YET but I can still make the payment with her for a fee.I told the lady as there was no other option for me I did not think it was fair for me to pay a fee and she agreed to waive it ( though I was still charged an additional fee ). Now I am receiving calls from Comenity saying that I owe them a late payment fee of over XXXX dollars because my recent payment ( the one I was told was not due yet ) was overdue, and I did not pay it for 6 months so the interest accrued ( XXXX per month for 6 months ). This was not what I was told on the phone and now it is also my affecting my credit score. Please do something. I have proof that I paid the balances that I described in FULL.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-05 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 


Account Name : XXXX Account # XXXX. 


Account Name : XXXX Account # XXXX. 


Account Name : XXXX Account # XXXX. 

Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-08-05 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 


Account Name : XXXX Account # XXXX. 


Account Name : XXXX Account # XXXX. 


Account Name : XXXX Account # XXXX. 

Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX  ) Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : 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 an 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 2022-08-05 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: National Credit Systems,Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX To : XXXX Thu, XX/XX/XXXX at XXXX XXXX  Dear XXXX the account number XXXX XXXX - Client Account number XXXX has been adjusted and a request sent to remove my XXXX XXXX XXXX. I am sending this email because I received a letter from XXXX XXXX Collection Representative XXXX or XXXX explaining that I owe XXXX when I have proof that the adjusted amount is XXXX. XXXX. I don't understand why I am getting a letter with the disputed amount. I have already reached out to XXXX XXXXXXXX XXXX XXXX managers and I was assured that they would handle their mistake. 

I am willing to pay what I owe but I need a letter with the new adjusted amount. I want to pay XXXX a month until it's paid off because I am on a limited income and if I can send more than XXXX a month I will. I just need something in writing explaining that NCS has accepted the adjustment because I can't pay on an amount That I know I do not owe. If I am unable to solve this matter I will contact Consumer Financial Protection Bureau in order to get this matter settled. Feel free to email me with an acceptance of the request submitted from XXXX XXXX Apartments located in XXXX XXXXXXXX. 

Thank you! 


Sincerely, XXXX XXXX XXXX P.S. I have the emails that were sent to me from XXXX XXXXXXXX XXXX concerning this matter. I found this picture online two weeks ago about your company 's business conduct. 

XXXX XXXX XXXX XXXX To : XXXX Cc : XXXX XXXX XXXX, XXXX, XXXX Thu, XX/XX/XXXX at XXXX AM Good Morning XXXX XXXX I hope your day is going great! I have attached the updated deposit accounting for previous residents- XXXX XXXX and XXXX XXXX XXXX XXXX is requesting to have XXXX XXXX removed off this debt and is willing to start a payment plan to settle debt. XXXX will need to work with you to have any payment plans approved. You have permission from XXXX XXXX to remove the debt from XXXX XXXX and to work with XXXX on the final debt amount owed allowing this collection account to be resolved. 



Should you have any questions or need additional information, please feel free to reach out, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: CA

Complaint narrative:
XXXX XXXX with Acct # XXXX ( XXXX XXXX XXXX ) has been reporting on my Equifax report for several years now, which I have been challenging since discovering the account on my Equifax credit file. That said, it has come to my attention that Equifax is not properly investigating the legitimacy of the data reporting. In XX/XX/2022, I disputed credit acceptance with Equifax, and they then sent a letter dated XX/XX/XXXX asking for documentation to support my claim. It would have taken 7 to 10 business days from the date of the letter sent to me via mail. On XX/XX/2022, I responded with supporting documents. 

By XX/XX/2022, Equifax sent a notice to my home address stating the dispute had been closed, and without the supporting documents, Equifax requested that support my complaint. I contacted the agency on XX/XX/2022, to confirm receipt of supporting documents ; Equifax claims to have received them. When I asked the Equifax representative to help me understand how they are investigating the account, I did not get an answer at all and then put it on hold for so long that I had to call back into the agency to speak with another rep only to find out that the previous representative filed a dispute without my consent and without the support document that the dispute should have been filed with. 

PS. I had attached a supporting document from Equifax showing the timeframe from when the dispute was opened in XX/XX/2022 and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: MD

Complaint narrative:
This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$6700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00}

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 2022-08-05 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: MD

Complaint narrative:
This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: MD

Complaint narrative:
This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : TXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$6700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00}

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