vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Please remove XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX XXXX Date opened 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 2023-04-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: MO

Complaint narrative:
On XX/XX/XXXX, I submitted a complain ( # XXXX ) regarding I did not receive notice to dispute from Consumer Adjustment co XXXX XXXX XX/XX/XXXX the company responded, stating they have sent me a initial notice thought US postal on XX/XX/XXXX ( with no proof of delivery ), Company responded to the complaint stating they will respond to dispute letter. I did not receive enough information to verify any debt. 
The information I did receive violation code 15 US 1692 ( b ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and Furthermore this company has violated my consumer right by reporting to credit bureaus without written consent According to 15 U.S. Code 1692 ( C ) ( A ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Except for 15 U.S. Code 1692b Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall Lastly when I pulled my credit file for XXXX under loan type it says Collection agency/attorney which is very misleading. 
According to 15 U.S. Code 16929 ( e ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
My consumer rights have been violated and this is affecting my credit file tremendously. I would like for the company to be removed off my credit immediately and to fine for the violations listed above. 
Attached below are all supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: FL

Complaint narrative:
Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Bank Account # XXXX Account Name : XXXX XXXX Bank Account # XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Card XXXXXXXX XXXX XXXXXXXX Bank XXXX, and XXXX XXXX Bank 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 2023-04-05 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:
Account Name : XXXX Account # : XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX  Card Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Bank Account # XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX Bank 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 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ResidentCollect, Inc.
State: FL

Complaint narrative:
Innovative recovery has been Re aging my XXXX report this collection account was placed on my credit report XX/XX/XXXX but the date of last activity has been changed year after year. XXXX my credit report XXXX stated XX/XX/XXXX next credit report pulled on XX/XX/XXXX stated XXXX XX/XX/XXXX next credit report pulled XX/XX/XXXX stated XXXX XX/XX/XXXX the next credit report pulled was XX/XX/XXXX shows XXXX XX/XX/XXXX this is illegal. Ive disputed this in year XXXX with negative results just did a recent dispute again in XXXX of XXXX and still negative results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried on 2 separate occasions months apart trying to request my Free Annual Credit report from XXXX and Experian online only to be told continually year after year to contact them directly in order to receive them. 

This is not the first time this has happen and I'm sure I'm not the only consumer experiencing this issue. 

If these reporting agencies are exempt from providing reporting credit reports access online please note that on the free credit reporting web site. I get tired year year wasting filling out all of my personal information and submitting it only to be told to contact them directly every time. 

Please let me and other consumers this acceptable and please remove them rom the requesting web site and just put up their phone numbers or addresses instead. 

Personally I feel it is just a scam to get consumers to call their rep and sell other products.

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 2023-04-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Some of my accounts were paid in full, I never closed them. Wrong address and my name is incorrect. Bankruptcy information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2023, and XX/XX/2023, I requested deletions and corrections to my credit report, including the correction of the spelling of my middle name. On XX/XX/2023, I received their response regarding my request to remove several inaccurate data from my credit report. They're response stated they have previously completed an investigation and verified the information in my credit file. They went on to say, unless I have any additional information to support the inaccuracies I requested to be removed from my report, they are not required to reinvestigate the same items again at this time. This is against the law. According to 15 USC 1681i - Procedure in case of disputed accuracy you are in fact obligated to reinvestigate and correct inaccuracies of consumer reports. Since they have stated a complete investigation was conducted, I requested all the documentary evidence they received to initially place all the items on my report pursuant to 15 USC 44 which states Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. I also enclosed a copy of the initial report received. They received my request on XX/XX/2023. I have yet to receive the documentary evidence nor a clean revised 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 2023-04-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account Name : XXXX Account # : XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Bank Account # XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Card XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX Bank 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 2023-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On or around XXXX I voluntarily surrendered my XXXX XXXX to capitol one bank. I followed the requested steps and gave the car back in good condition. The bank accepted my request and took the car back and sold it at a public auction. 

I knew I would be responsible for the balance after the sale. I filled bankruptcy shortly thereafter and this debt was included in my XXXX XXXX case. For a very long time I hear nothing from capitol one about this matter. Then in the later part of XXXX i get a letter from capitol one telling me that the title to my car will be sent to me if there are no balances owed. If there is a balance, I would be responsible to pay it back. 

I was livid when I got this notice and called capitol one immediately. I told them you are sending me an illegal letter and this account has been included in bankruptcy and I am not responsible for any monies owed you. I then told them they are sending illegal letters without the proper verbiage on it. For example, the letter they sent me does not have any wording about bankruptcy and letting me know I am not responsible for any payback 's due capitol one. 

in their fancy way they were trying to collect a debt if there were any payments due them. They also sent me letters without my consent and as I mentioned this debt was wiped away in bankruptcy. 

It gets better capitol one sent me a tax form for unclaimed income from the shortage of the car sale. They also sent the same falsified tax document to the IRS. I was in the middle of filling my taxes and had to include this false document. This bank violated my bankruptcy rights, sent a false document to the IRS, tried to make me include more income then was actually made. 
I escalated my complaint to the president 's office who was no help at all. Capitol One admitted to their mistakes and offered nothing as compensation for their errors and many violations under the bankruptcy code. 

I tried to negotiate an out of court settlement and they declined to work with me nor offer anything to make this right. I am now filling complaints with all the government agencies that govern them. 

Once I file all my complaints. I will hire an attorney to move forward and file a class action lawsuit for falsifying records to the IRS, sending me letters trying to collect a debt while it was included in a XXXX XXXX  bankruptcy, violations under the bankruptcy codes in South Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: Affirm Holdings, Inc
State: MD

Complaint narrative:
Affirm is reporting that the loan is still open and that I still owe them when I in fact paid the account in full. I tried to get the account disputed but I affirm did not dispute it. Due to this I lost XXXX points to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
APPLE CARD/GS BANK USA has reported my account as " late payment '' several times, one in XX/XX/XXXX, one in XX/XX/XXXX and one in XX/XX/XXXX. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 section 602 that states that I have the right to privacy. In 15 U.S.C. 1681 section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. S1666b 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 2023-04-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian credit report dropped XXXX points in one day with no explanation ... No visible change to credit report when I compared last report just 2 days before to the present report through XXXX business account ( free ). I can visibly see no activity to warrant XXXX point drop. Their ( XXXX ) disclaimer is that the report is free and credit will not be affected anytime it is accessed. I called Experian and XXXX getting no answers ... both stating it is only a service they both provide. I have relocated and am trying to rent a new residence.

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 2023-04-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, the following accounts have violated my rights : 1. TransUnion ( XXXX ) Account # XXXX XXXX. 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 2023-04-05 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: TN

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. 
Online Information Services XXXX, XXXX XXXX XXXX XXXX XXXX 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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:
UPDATE CREDIT REPORT WITH CURRENT ACCURATE INFORMATION

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 2023-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
My credit report is showing 9 to 10 entries from Medical Data Systems Inc. for the same amount of {$280.00} and date of service. The only difference is they change the account number so it looks like a unique item when its not. If I contact the company directly the statue of limitation start date will be readjusted. This seems to be a new tactic to create multiple entries on ones credit so they are severely impacted by the medical debt. 

Their info is Medical Data Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One denied a claim for the amount of {$67.00} when the transaction is invalid! I never received the item there was no signature so there was no proof that maybe there was something wrong with the courier. Thankfully I closed the account, so I do not owe capital one any money and I don't care if they try to collect! I am on XXXX XXXX XXXX and I am judgment-proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP
State: NJ

Complaint narrative:
I have a XXXX XXXX XXXX  account. I was given a piece of mail to an address thats not my address by someone I called the number on the letter and was told that this is a debt from XXXX. I have an easy pass account an active easy pass account and there is a charge of {$88.00} that this XXXX  XXXX agent is do they have XXXX addresses XXXX address is in XXXX and the other address is in XXXX. This is many violations XXXX among many violations of the Fdcpa when I contacted this collection agency I was told to send a letter yet they went through violation means of sending this wrong full bogus debt to an address so I dont live that ad again I have an active easy pass account. This should never have come to me. The actual balance was for XXXX dollar so its a easy pass account that was charge for a dollar but yet theyre charging for administrative fees, voluntary ambulance fees, violent crimes fee, civil penalty fees, and all things that do not exist. This is one among many violations, Consumer, violations, and Fdcpa violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report 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