vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX Individual As Of : XX/XX/XXXX Capital XXXX Individual As Of : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 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:
Please remove the following inquires and accounts that violates my consumer rights according to 15 us code 1681b. MY CHARACTER TO ESTABLISHED CREDIT IS BEING TOURNISHED BECAUSE MY RIGHTS AS A CONSUMER IS BEING VIOLATED ACCORDING TO THE US CODE LISTED IN MY REPORT. PLEASE REMOVE ASAP

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 2023-04-02 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
In accordance with the fair credit reporting act. the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without written instructions 15 U.S.C.1681c ( a ) ( 5 ) section states no consumer report containing any of thr following items of information other than record of convictions of crimes which antedates the cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
In accordance with the fair credit reporting act. the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish an account without written instructions 15 U.S.C.1681c ( a ) ( 5 ) section states no consumer report containing any of thr following items of information other than record of convictions of crimes which antedates the cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: TX

Complaint narrative:
I am writing to dispute a collection account on my credit report that has been reported by XXXX XXXX XXXX ( account # XXXX ). The original creditor of the account is listed as XXXX  XXXX XXXX. However, I believe that this account is fraudulent and the result of identity theft. 

I have never had any business or financial relationship with XXXX XXXX XXXX, nor have I ever authorized any transactions or account activity with them. I have also never received any communication or billing statements from them. 

Upon reviewing my credit report, I noticed that this account was listed as a collection account by XXXX XXXX XXXX. I immediately contacted XXXX XXXX XXXX and requested more information about the account. They were unable to provide any evidence of the debt and could not explain how the debt was incurred. This is further evidence that the account is fraudulent. 

I am requesting that the fraudulent account be removed from my credit report as soon as possible. I have already taken steps to report the identity theft to the relevant authorities, and I have filed a police report to document the crime. I have also contacted the original creditor, XXXX XXXX XXXX, to inform them of the fraudulent activity. 

Please find attached copies of my identification and other supporting documents to assist in your investigation of this matter. Thank you for your attention to this matter.

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 2023-04-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Caneel Capital, LLC
State: CA

Complaint narrative:
Trinity Financial Services explains this loan was transferred by XXXX XXXX XXXX, I did not receive any Notices from any company in XXXX. On XX/XX/XXXX there was an assignment recorded on my Property during Covid19 Pandemic. Prior to the dates specified, I have not been contacted from any lenders from XXXX - XXXX. If this debt started with a different Creditor, please provide copy of the original creditor, the account number used by that creditor and the amount owed to the creditor at the time it was transferred. When identified please provide any other names by which I might know them, if that is different from the official name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX EASTERN ACCOUNT SYSTEM,, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I was enticed to sign up for the XXXX XXXX because their website advertises that if approved, you can use the card same day either online or in store and get a 25 % discount on your purchase. 25 % off your first card purchase at XXXX today is at the top of list of benefits. So I applied and was approved instantly and given a {$4000.00} credit limit. A temporary digital card was added to my online wallet, and the website automatically set it as my default payment type. However, their system will not allow me to complete my purchase. It throws an error code that something is wrong with the card. After many multiple calls, online chat and even a store visit, a supervisor at the bank provider for XXXX credit card told me that the temporary card can not be used on the brand of product I am trying to buy. They told me to wait for the physical card. I went back and read the full disclaimer on the website ( https : //www.sephora.com/creditcard ) and there is nothing stating that the instant credit/temporary card would not be able to be used on certain brands, or otherwise. 

I feel that I have been misled by XXXX and baited to apply for their credit card under misleading pretenses. I could have purchased the product I want from multiple other stores, but I purposely close XXXX because of this credit card claim. Now I have to wait for the physical card to come in the mailthis was not stated on their website and had I known, I would have not applied for the card. I would have purchased the product elsewhere. 

I feel XXXX should be held accountable for misleading marketing about the ability to use the card immediately. It is not true in some scenarios, and they are baiting consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-02 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried calling, but everybody 's a robot that keeps redundantly asking the same questions and getting me to no agent, then hangs up in my face. 

There's a delay and I certainly do not need this. 
Today opening my email, I discovered some weird message, ( although Experian offers to see your credit score for free ) that I do not have a credit score or a score that is missing some points in the up direction.

I have screenshot my score on prior occasions, have 3 accounts, one paid off, that I paid off, a huge big payoff that I paid that one, that auto account closed now as satisfactory and my Mortgage in which I still pay as well as a credit card. I have enough credit to establish a score and a good one at that and my Lenders report to Experian.

If the credit score is offered for free on Experian, then I should see it from this point on as I have in the past. This certainly would not help trying to establish any future credit since Experian Vantage is what most lenders look at and also I am certainly not sure why Experian is doing this, need answers and the restoration and resolution. 

There may be typos, excuse and also I have written this email to the best of my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02 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: TX

Complaint narrative:
I have attempted to correct issues from equifax but have not got any responses in the legal time frame. 

Seeking equity and remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am writing to file a complaint against Credit Acceptance Corporation for continuing to pursue a debt that I have already been released from. On XX/XX/2019, I received a garnishment release letter from your company, which stated that I was released from any liability for the debt in question. 

Despite this letter, your company has continued to report inaccuracies on my credit report, contacted me regarding the debt, and has even threatened legal action if I do not pay it. This is unacceptable and goes against the terms of the garnishment release letter. 

I demand that Credit Acceptance Corporation immediately cease all attempts to collect this debt from me, as I have been released from any liability. Furthermore, I expect an apology for the stress and anxiety that your continued attempts to collect this debt have caused me. 

If I receive any further communication regarding this matter, or if there is any negative impact on my credit score as a result of your actions, I will take appropriate legal action against your company.

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 2023-04-02 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: United Revenue Corporation
State: TX

Complaint narrative:
I sent " UNITED REVENUE CORP '' collection company a Debt Validation letter disputing this account under section 809 per the FCRA. They responded by sending me my personal medical information from an alleged bill. This information included my personal medical information which makes this is a HIPPA violation, and I intended to sue for every dime if this account isn't removed from my credit report ASAP! I have well documented all of my correspondence ; the letter I've sent to UNITED REVENUE CORP as well as a received response from UNITED REVENUE CORP, I have everything I need to prove in court without a reasonable doubt that my rights have under the FCRA have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have attempted to correct issues from XXXX but have not got any responses in the legal time frame. 

Seeking equity and remedy.

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 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have attempted to correct issues from XXXX but have not got any responses in the legal time frame. 

Seeking equity and remedy.

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 2023-04-02 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: LEXISNEXIS
State: LA

Complaint narrative:
This my second time reaching out to your company about the bankruptcy report on my account. I was requesting to validate the report but its been over a month now I havent received the validation but the record is still on my report. I hope you will look at this matter because it is affecting my ability to open credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: GA

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

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

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

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 2023-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have attempted multiple times over the last several days to pay my mortgage online through the system and process that they have advertised as being able to be used to pay a mortgage bill. The process has been unsuccessful. After contacting the technical support for Ally, they tell me they are too busy to address my concern. I can't load my account information via any means, neither to view statements, view my account number, view my loan number, or to make a payment.

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 2023-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
Ive never received any mail for this bill and it been on my since 2018 All I received is a call from a debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: PA

Complaint narrative:
I am a victim of identity theft. XXXX is reporting inaccurately and publishing my NON PUBLIC INFORMATION to non affiliated third parties. please see attached

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 2023-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rhame, Elwood & McClure PC
State: IN

Complaint narrative:
XXXX XXXX XXXX, 2023 I received a letter regarding an outstanding balance that I owe. It was an attempt to collect a debt. It was also addressed to a former tenant that I evicted. There was no language or statements/information verifying or detailing what the debt was for. There was no language or statements that include how to dispute the debt or what my Debt Collection Rights are. There were statements threatening to turn it over to Collection Agency with added costs to the balance. This threat would certainly harm my credit history with credit reporting companies. 

I sent a letter to this attorney asking for verification of this debt. I asked no more contact regarding this debt. I am not a current client of this attorney. My former tenant, who was evicted, made a statement in court that he hired this attorney. 
Attorney was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
In accordance with the fair credit reporting act. This creditor has violated my rights under 15 USC 1681 sections 602, which states i have a right to privacy.15 USC 1681 section 604a section 2 it also states that consumer reporting agencies can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: NY

Complaint narrative:
There are two hard inquiries on my Transunion credit report, and I have asked for them to be removed on the bases of verification that have not been received By fcra section 609 ( a ) ( 1 ) There are two hard inquiries on my Transunion credit report, and I have asked for them to be removed on the bases of verification that have not been received By fcra section 609 ( a ) ( 1 ) ( a ) It's not my as look at in the last two years with Transunion mistakes on my credit 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 explanation