vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-27 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: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 states that 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 any purpose.

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 2022-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
My soon to be ex-wife who XXXX XXXX XXXX XXXX XXXX this year used my credit cards while I was in the hospital. We are presently awaiting court for her to be prosecuted. I paid off the account and asking Capital One to forgive me for all late payments that she did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: VA

Complaint narrative:
XXXX has charged my card for services that I am not able to access. I have tried to get a hold of them but due to no phone number, was unable to get into contact with them. I have put a stop on my credit card but XXXX is taking my money fraudulently and I want my money back for XXXX and XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: GA

Complaint narrative:
On XX/XX/2022 my now husband and I were in a car accident where I was the passenger. I believe the company that reports these things is called Lexis Nexis and they reported the accident under my name and now I am in jeopardy of my insurance being non renewed. I have tried to call the company several times and as soon as I give all my personal information the line drops. I have sent out a letter of dispute as well. I would like for them to update my driving record as this is not my incident and I should not be penalized for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
i paid off 2 collections in XXXX of XXXX one of them being an old apartment. the second being south west credit systems ( XXXX ). 
me and my fiance had joint accounts with both. he paid them off and they both fell off our XXXX XXXX. since beginning of XXXX XXXX  has been added back to our collections as if we never paid it off. i disputed it once & it was fine. it came back not even a few months later. tried to dispute again and XXXX XXXX emailed me saying the information was correct and they couldnt dispute it. which is obviously not true. that collection was settled, they continue to hurt our credit even though its been paid off for almost 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. I also received a email from XXXX stating, they do not contact the consumer reporting agency. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company 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 2022-08-27 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: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
A fair solution would be to fix the errors on my report especially the late fees that already have been paid in full!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I

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 2022-08-27 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: AL

Complaint narrative:
My soon to be ex-wife who XXXX me with hot grease this year used my credit cards while I was in the XXXX. We are presently awaiting court for her to be prosecuted. I paid off the account and asking XXXX XXXX to forgive me for all late payments that she did.

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 2022-08-27 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: AL

Complaint narrative:
My soon to be ex-wife who XXXXXXXX XXXX XXXX XXXX XXXX this year used my credit cards while I was in the XXXX. We are presently awaiting court for her to be prosecuted. I paid off the account and asking XXXX XXXX to forgive me for all late payments that she did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: AL

Complaint narrative:
My soon to be ex-wife who XXXX XXXX XXXX XXXX XXXX this year used my credit cards while I was in the XXXX. We are presently awaiting court for her to be prosecuted. I paid off the account and asking XXXX XXXX to forgive me for all late payments that she did.

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 2022-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
The balance is XXXX and you know it, yall are just being trashy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: MN

Complaint narrative:
I have attached a FTC requesting the removal of the following inquiries. 

( ( XXXX XXXX XX/XX/2022 ) ) ( ( XXXX XXXX XX/XX/2022 ) ) ( ( XXXX XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2022 I received a hard inquiry on my credit report by Capital one ( XXXX XXXX XXXX ) applied for loan without my consent cause is lowering my credit score On XX/XX/2022 I received a hard inquiry on my credit report by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Applied for a loan without my permission is lowered my credit score. 

Before someone wrote to my job asked for payment direct deposit through XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance to FCRA Equifax, XXXX XXXX XXXX, and XXXX are breaking the law improperly misuse of credit report. account # XXXXXXXX XXXX XXXXXXXX Bankruptcy Court.

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 any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: AL

Complaint narrative:
This account was paid in full to XXXX and it is in violation of The Fair Credit Reporting Act because it's showing late monthly installment payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: MN

Complaint narrative:
I have attached a FTC requesting the removal of the following inquiries. 

( ( XXXX XXXX XX/XX/2022 ) ) ( ( XXXX XXXX XX/XX/2022 ) ) ( ( XXXX XXXXXXXX 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
Consumer complaint received 2022-08-27 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: MN

Complaint narrative:
I have attached a FTC requesting the removal of the following inquiries. 

( ( XXXX XXXX XX/XX/2022 ) ) ( ( XXXX XXXX XX/XX/2022 ) ) ( ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/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 2022-08-27 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: TN

Complaint narrative:
The company XXXX finally responded that the account is accurate on XX/XX/18 to CFPB but they would put it on hold until they could verify it with the creditor. That is not true. I do not owe them or the creditor they are collecting for. They also responded that my name is XXXX XXXX that is inaccurate as well. Which shows me that the company frequently makes mistakes. The company responded that the collection would be put on hold and reinvestigated. The collection still shows on my credit report as of today. I would like it removed completely. I have yet to receive anything from XXXX, the credit bureau, or from the creditor to show that the account is accurate. I spoke with the original creditor over a month ago and still havent received anything to show I owe them. This inaccurate account has caused significant financial and emotional harm to me. Equifax has failed to properly investigate the inaccuracy. My rights have been violated and I want it stop now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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 to FCRA XXXX, trans union LLC, and XXXX are breaking the law improperly misuse of credit report. account # XXXX TN XXXX Bankruptcy Court.

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 any reason.

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 2022-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: CA

Complaint narrative:
I made a payment to EdFinancial on XXXX {$1000.00} on one of my loans when I saw they were compounding interest daily and I was still attending school with no job during a pandemic. 

I found out that I can request a refund on the loan and I am suffering a financial hardship and need a refund of that payment. 

I called in to EdFinancial on XX/XX/XXXX and requested a refund of this payment via postal service since the account I made the payment with is no longer active for a direct refund. 

I also chatted with their service to follow up a week later. I uploaded a formal letter to them on XX/XX/XXXX outlining my request for the 3rd time. 

To this date I have no confirmation that they acknowledge my request and have been ignored with no notation of refund requisition on my account. 

Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I am writing in reference to the relationship manager response to my application for applying for assistance for my home. The response the relationship manager gave me was my modification was denied. I have been communicating with PHH but they refuse to send the information needed in order for the underwriters at Maryland Home Assistance Program to continue the process. This has been going on since the application was submitted in XXXX XXXX XXXX. All I want is to complete this process so I can go on with my life. Living everyday of not knowing the uncertain is very stressful. Please help with this issue I am really mentally drain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
This debt was deleted from my credit report a year ago. I started receiving calls several times a day from " Paramount Recovery '' I finally answered them, and they verified my name, ask about a this debt in which I told them it had been resolved. I never received a letter from this Co.! Within 60 days it was reported and put back on my credit report. They continue to call just to hang up on me upon answering... But, never say anything, after reporting this to credit bureau in which dropped my score XXXX  XXXX. This is the ONLY derogatory on my credit report and has messed me up. I need to know how to go about getting this taken off. I was never notified by this Co. By mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
On XXXX XXXX I tried contacting the creditor to advise it was a problem with the site and my payment was not being accepted. I ask them not to report the late payment they agreed but when I looked on my account they reported the late payment and it dropped my score significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: MN

Complaint narrative:
I have submitted multiple FTC reports and Equifax has failed to act on each one. I have attached another one to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX and WELLS FARGO CARD SERVICE 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

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