vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX accounts -XXXX XXXXXXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX  acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXXXXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX -XXXX XXXX acct # XXXX opened XX/XX/XXXX - reported XX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I 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 2022-07-11 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: National Consumer Telecom & Utilities Exchange, Inc.
State: SC

Complaint narrative:
I was looking into purchasing a house back at the end of XXXX. And somehow a cable bill from XXXX popped up from XXXX. I have never had XXXX in my life, I have disputed it with everyone and they refuse to give me any relief. I have no issues paying my bills but I never had XXXX in my name ever in my life. And I'm uncertain as to why. If it was way back in XXXX it popped up at the end of XXXX anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy XXXX XXXX which is a fraudulent account and should be deleted 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 explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: ProCollect, Inc.
State: FL

Complaint narrative:
On XX/XX/2022 and XX/XX/2022 I sent to the Collection Agency PROCOLLECT , INC letters informing them of my series of unfortunate events that had taken place without my knowledge. I had been defrauded and taken advantage of by an unknown assailant and this is what I explained to PROCOLLECT , INC via letters on several different occasions. In these letters I sent to PROCOLLECT , INC I had included laws, dates important to the theft, an FTC Report as well as other explanations to support my claims. After all of my efforts and time spent trying to rectify what has happen to me unlawfully I am still being negated and I feel not taken seriously. I demand the crime I have been victimized by be given the proper consideration. see attachments for proof of claim, proof of Identity, as well as proof of current address on my Drivers License and this will have to suffice because I have no bills or mail at the moment.

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 2022-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
To : Hyundri Finance Finance Dept. 


I wanrt to send this letter to apologize if there was something myself or my wife had done. In appying for a car through you finance company. We have had XXXX cars finance through your finance company since XXXX. Which the first car was XXXX and the second car was XXXX both XXXX. XXXX Hyundia which was call HUB Hyundia when we purchased our cars. A month ago we when in to XXXX because we receive a call from the company that we could come in and trade our XXXX Hyundia as they did in XXXX. When we went in we talk to them about a XXXX XXXX they offer us XXXX for the XXXX XXXX and the XXXX would be finance into the XXXX XXXX. The XXXX XXXX was offer to us at XXXX which instead of adding the XXXX they add the XXXX when they got through with the figures they told us the XXXX XXXX would XXXX with the payments being XXXX a month we wanted the payments down to XXXX a mo. We were told the vechicle was approve by Hyundri Finance this was in the later part of XXXX. When we couldn't agree on the payment terms please kept in mind this was later part of XXXX. They still when ahead and ran our app over 6 six times to different car loan companies through the next XXXX weeks which cause my credit scores to drop. My credit score even though they drop was the same that of XXXX and XXXX when Hyundri Finance, had finance both my cars in XXXX and XXXX and our income has increased by XXXX. We receive a decline letter from you XX/XX/XXXX which reached our mail box XX/XX/XXXX. My XXXX score and my wife XXXX score as of XX/XX/XXXX is higher then it was both times we purchase cars in XXXX and XXXX. I am sure your company does not care that we have been loyal customers we have never miss a payment on either car. Actual if you look at our track record evey monthly payment has been more the actual payment the company assigned. We will continue to payoff the XXXX and I am sure another company would like to have our business. We are sorry for seeking a trade in that the XXXX call us on and then said the Hyundri Finance had approve.

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 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
In accordance with the Federal Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights. 

US BANKRUPTCY XXXX XXXX XXXX XXXXXXXX. U.S. Bankruptcy XXXX XXXX XXXX. This has been reported by a third party company and not by the United States Bankruptcy XXXX in XXXX. An attached document has been provided by the United States XXXX Bankruptcy XXXX. 
XXXX XXXX # # # # # XXXX XXXX XXXX XXXX- # # # # # # 15 U.S.C. Section 602 A. States I have the right to privacy.

15 U.S.C. 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 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
1. I sent a letter dated XX/XX/XXXX and addressed to XXXX to the following address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX in regards to incorrect personal information on my credit report. In the letter, I informed XXXX of the incorrect personal information. 

I requested the information be removed to display only correct personal information. I received a response letter dated, XX/XX/XXXX from XXXX stating the following : " We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party ... ... ... ... ... .. '' In their letter, they also requested a credit repair company identify themselves by providing proof that I gave authorization to a credit repair company to communicate on my behalf. 

There is no credit repair company or third party. As I sent the letters, it appears XXXX responded to my request to buy themselves some time and declined to correct or remove the information. 

As I reviewed my credit report today, XXXX recently added and updated my name as it is on the letter I sent to them and also did not remove the other incorrect information. My name is incorrectly spelled and I only go by one name. I want my personal information correctly reported. 

XXXX. I sent a letter dated XX/XX/XXXX and addressed it to Equifax to the following address, Equifax Information Services LLC, XXXX XXXX XXXX, XXXX, GA XXXX in regards to an outdated address on my credit report. In the letter, I informed Equifax of the outdated address and requested it be removed. As I reviewed my credit report today, the outdated address is still on my credit report. I want my personal information correctly reported including current information, not outdated information. 

It has been well over 30 days and neither credit reporting company has corrected the errors as I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act all account list below, has violated my rights. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : 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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 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 non-monetary relief
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Ive been sending in disputes to remove these accounts off my credit. I didnt know these accounts where on my credit until I tried to purchase a home. These are not my accounts.

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 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Ive been sending in disputes to remove these accounts off my credit. I didnt know these accounts where on my credit until I tried to purchase a home. These are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX BANK HAS DECREASED MY CREDIT CARD LIMIT FROM XXXX TO XXXX STATING IT WAS FROM INFORMATION OBTAINED FROM MY EQUIFAX CREDIT REPORT. XXXXXXXX XXXX  CLAIMS THE DECREASE WAS DUE TO BALANCES INCREASING IN THE LAST 12 MONTHS ( ITS A CREDIT CARD THAT TENDS TO HAPPEN ) MISSED PAYMENTS ( NOT ACCURATE ) AND INQUIRIES ( NOT APPLICABLE AND HAS NOTHING TO DO WITH XXXXXXXX XXXX ) I HAVE SPOKE WITH EQUIFAX AND THEY HAVE INSURED ME NOTHING WAS WRONG WITH MY XXXX XXXX ACCOUNT AND ITS BEING PAID AS AGREED. ALSO MY CREDIT HAS DROPPED XXXX POINTS FROM WHATEVER INFORMATION XXXXXXXX XXXX OBTAINED FROM MY EQUIFAX REPORT THAT CLAIMS I HAVE MISSED PAYMENTS AND ALL OF THESE OTHER INACCURATE EXCUSES TO DECREASE MY CREDIT LIMIT THAT HAS NOTHING TO DO WITH XXXXXXXX XXXX. APPARENTLY XXXXXXXX XXXX CONDUCTED A SOFT PULL OF MY EQUIFAX REPORT AND IT DOES NOT SHOW UP ON MY INQUIRIES. IF XXXXXXXX XXXX  FEELS THIS STRONGLY ABOUT MY CREDIT AND THINGS THEY FOUND ON MY EQUIFAX REPORT WHY WAS I ISSUED THIS CARD IN 2021 AND AFTER 6 MONTHS OF ON TIME PAYMENTS WHY WAS I GRANTED A CREDIT LINE INCREASE AS WELL? I HAVE ALWAYS PAID XXXXXXXX XXXX ON TIME AND HAVE NO LATE PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Complaint Details I recently applied in XX/XX/XXXX for an XXXX American Express Gold card I was approved right away and received no notification that my file was really under review I received a temporary card number and email saying I was accepted with in minutes. I applied for this car solely for the welcome bonus I can not remember if it was an email welcome or if I saw an ad for it the welcome bonus was receive XXXX or XXXX ( cant remember exactly ) sky miles when you spend XXXX or more dollars on in XXXX days and get a {$200.00} credit for purchasing any XXXX eligible purchases within 90 days. I did those things on my first billing cycle called in was told everything was good look to get those miles within 8 to 12 weeks recently called in and was told I was really denied for the welcome bonus and I wouldve/shouldve received a pop-up message saying your file is under review would you still like to proceed with the application I would have not if I wouldve received that message I wouldve not because of the hard inquiry on my credit and I wouldve went to another airlines credit card. I did not receive that message and due to the incompetence of American Express I applied because I did not receive that message so to no fault of my own they said I was denied my welcome bonus because I received a welcome bonus over 13 months prior. First off thats a terrible rule ive never been late on any payment and my credit is over 700. But if thats the rule fine but I talked to one of there bosses and was told I shouldve received an instance pop-up message as I go through the application and I did not and because I did not Ive bought XXXX XXXX  that I would not have bought Ive spent money with American Express that I would not have spent and I got a hard inquiry we all can read this and see this is not right and I just wan na come to a solution for this as it should be shouldnt be big companies getting over on the little guy its XXXX and Im glad your here to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

KOHLS/CAPITAL ONE XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Equifax is reporting an erroneous collections from XXXX XXXX XXXX Hawaii XXXX XXXX XXXX XXXX XXXX. I paid this out of pocket and my insurance paid the balance. I've already explained this to Equifax and they refuse to remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
hello this account is invalid because the date of last payment is completely inaccurate XXXX and XXXX say it was on XXXX and Equifax says that the last payment in the account was in XXXX the fair credit reporting act established that all the accounts reported in a credit report have to be 100 % accurate and verifiable if it is not it have to be removed from my credit report XXXX XXXX reported this account but the information is completely inaccurate. I have already sent letters to equifax about this account but I did not have any type of answer from them this is a violation of my rights as a consumer, please removed this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX is reporting a bankruptcy on my public record according to Equifax, on XX/XX/2022 as I disputed this bankruptcy with Equifax, Equifax claimed to have verified this bankruptcy through XXXX. XXXX need to seed me a letter so I can send it to Equifax to prove its no bankruptcy on my file as of XX/XX/2022 Equifax verified this bankruptcy with XXXX I need proof that Equifax investigated this bankruptcy with XXXX on or around XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX 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 XXXX Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX High Credit : {$2100.00} {$2100.00} Last Reported : XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX 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 XXXX Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX High Credit : {$2100.00} {$2100.00} Last Reported : XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/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 explanation