vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting 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:
Consumer reporting agencies continues to work with XXXX XXXX XXXX in causing damage to my principal capacity to rightfully contract by using joint business practices to take private and personal information and cause harm to consumer by discriminating and using illegal adverse and damaging of character or reputation, risk of identity theft, breach, trafficking and other exposures without warranting or insuring with verified affidavit or declaration of valid non-adhesion contract proving debt and consideration and that my information is safe without risk. Both Consumer reporting agencies and XXXX XXXX XXXX has a history of not being able to prevent consumer risk exposure of private and personal information as well as history of breach, and other federal and state violations. XXXX XXXX response to my previous CFPB was hank you for expressing your concerns. We appreciate the opportunity to address your concerns. We know this can be confusing, while XXXX XXXX is not a credit reporting agency and is not providing a " consumer report '' to any parties. We are a creditor and as such furnish credit history, positive and negative, to the credit reporting agencies. Claims regarding 15 USC 1681 do not apply. You did, however, accept our terms and conditions on XXXX XXXX XXXX, when you agreed to our terms and conditions which states both positive and negative payment history will be reported to the credit reporting agencies. In addition to your claim regarding 15 USC 1692a and 1692c ( c ), XXXX is not a " debt collector '' under that definition, nor has your debt been sent to collections. At this point, we have written off the debt in XXXX, so you will not receive any further notices about the debt. Because the previous late payment information reported is accurate, as per previous account review, and per federal reporting guidelines, we are unable to remove them. Furthermore, our review of your previous interactions with our support team confirms that you were aware of the account and that it was opened by you. We never received a request to cancel your XXXX subscription nor did we receive any disputes regarding the charges on your card. We have no further information at this time that indicates this account was opened due to identity theft. If you have a valid claim of identity theft that has been reported to the credit reporting agencies and/or proper legal authorities, please contact us at XXXX with the additional information and we will be happy to take appropriate actions.

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 2024-07-06 00:00:00
Product: Credit reporting 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:
Consumer reporting agencies continues to work with XXXX XXXX XXXX in causing damage to my principal capacity to rightfully contract by using joint business practices to take private and personal information and cause harm to consumer by discriminating and using illegal adverse and damaging of character or reputation, risk of identity theft, breach, trafficking and other exposures without warranting or insuring with verified affidavit or declaration of valid non-adhesion contract proving debt and consideration and that my information is safe without risk. Both Consumer reporting agencies and XXXX XXXX XXXX has a history of not being able to prevent consumer risk exposure of private and personal information as well as history of breach, and other federal and state violations. XXXX XXXX response to my previous CFPB was hank you for expressing your concerns. We appreciate the opportunity to address your concerns. We know this can be confusing, while XXXX XXXX is not a credit reporting agency and is not providing a " consumer report '' to any parties. We are a creditor and as such furnish credit history, positive and negative, to the credit reporting agencies. Claims regarding 15 USC 1681 do not apply. You did, however, accept our terms and conditions on XXXX XXXX XXXX, when you agreed to our terms and conditions which states both positive and negative payment history will be reported to the credit reporting agencies. In addition to your claim regarding 15 USC 1692a and 1692c ( c ), XXXX is not a " debt collector '' under that definition, nor has your debt been sent to collections. At this point, we have written off the debt in XXXX, so you will not receive any further notices about the debt. Because the previous late payment information reported is accurate, as per previous account review, and per federal reporting guidelines, we are unable to remove them. Furthermore, our review of your previous interactions with our support team confirms that you were aware of the account and that it was opened by you. We never received a request to cancel your XXXX subscription nor did we receive any disputes regarding the charges on your card. We have no further information at this time that indicates this account was opened due to identity theft. If you have a valid claim of identity theft that has been reported to the credit reporting agencies and/or proper legal authorities, please contact us at XXXX with the additional information and we will be happy to take appropriate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer science help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the 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 monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In XXXX of XXXX my XXXX XXXXXXXX credit card was closed. Since then this company has reported my card closed and paid for the last 9 months. Now all of a sudden after being reported as closed and paid on time prior to that, it has reported that I have missed payments in XXXX and XXXX of XXXX. There is no reason it has not continued to report as closed or stopped reporting.

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 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In XXXX of XXXX my XXXX  XXXX credit card was closed. Since then this company has reported my card closed and paid for the last 9 months. Now all of a sudden after being reported as closed and paid on time prior to that, it has reported that I have missed payments in XXXX and XXXX of XXXX. There is no reason it has not continued to report as closed or stopped reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In XXXX of XXXX my XXXX  XXXX credit card was closed. Since then this company has reported my card closed and paid for the last 9 months. Now all of a sudden after being reported as closed and paid on time prior to that, it has reported that I have missed payments in XXXX and XXXX of XXXX. There is no reason it has not continued to report as closed or stopped reporting.

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 2024-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal restricted my account from sending and withdrawing funds, which I believe is due to mistakenly sending the money under XXXX XXXX and XXXX ' instead of XXXX XXXX or XXXX. ' They said they would email me the reasons for the restriction, but I have not received any communication from them. The total amount of funds in my account is {$170.00}. Before permanently limiting my account, they asked me to submit some documents, including my National ID, proof of residence, bank statement, and an explanation of some of my previous transactions, including those from my stepsister and one of my friends. My stepsister, XXXX XXXX, sent me {$44.00} on XX/XX/year>, for my father 's XXXX  and I provided proof, including receipts and the doctor 's prescription. The other amount, {$55.00}, was sent by my friend on XX/XX/year>, as payment for two weeks of work as an Internet ads rater for XXXX. I also provided proof of payments that the company sent to her email. I understand there are policies, but we did not engage in any illegal activity. I earned the money working as an Internet ads assessor. I urgently need the funds for my tuition fee and for my father 's daily medication. Therefore, I am requesting that the money be released immediately. I will be more careful next time in terms of sending funds. I want to complain because I believe it is unfair to hold my funds for 180 days just because we did not know how to navigate the online app. Your help in this matter is greatly needed and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: AL

Complaint narrative:
I contacted the company XX/XX/year> for the 2nd time with no results or verification given or sent to me as they said they would.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXXXXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX  of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting 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 am writing to delete the following information from my file. the items i deleted are listed in the report I am a victim of identity theft I didnt made the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission identity theft affidavit. Please delete this items as soon as possible.

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 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information from my file. the items i deleted are listed in the report I am a victim of identity theft I didnt made the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission identity theft affidavit. Please delete this items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I always check my credit report before I go to bed but I saw some unauthorized inquiries that were reported. I don't have any knowledge regarding why but I do know that I want It removed and blocked from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LJ Ross Associates
State: IL

Complaint narrative:
XXXX XXXX : L.J. ROSS & ASSOCIATES Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Account Number : XXXX Phone Number : XXXX Amount Claimed Owed : {$110.00} I am writing a dispute towards an account that I have absolutely no knowledge of, but this account is showing up as a debt owed on my credit report. I Reported this Information to the Federal Trade Commission and I also filed an Affidavit in reference to this matter. Please be advised that the UNVERIFIED item remains on my credit report. I have yet to receive documentation from the original creditor to verify that the information listed is accurate, which is a requirement by LAW. Since I have yet to receive such validation or documentation from the original creditor, please delete the item as soon as possible.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I always check my credit report before I go to bed but I saw an account that was inaccurately reported. I don't have any knowledge regarding why but I do know that I want It removed and blocked from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXXl XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to report fraudulent activity on my credit report involving several accounts and inquiries. Here is a detailed description of what happened : XXXX. Auto Loan : XXXX XXXX XXXX  ( Opened : XX/XX/XXXX, Balance : {$10000.00} ) : This account was fraudulently opened without my authorization. 
XXXX. Student Loans : U.S. Dept of EDXXXX ( XXXX : XX/XX/XXXX, Balance : {$2200.00} and {$3600.00} ) : These accounts were fraudulently opened in my name without my consent. 
XXXX. Personal Loans : XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX, Balance : {$1000.00} ) : This account was opened fraudulently. 
XXXX XXXX XXXX ( Opened : XX/XX/XXXX, XXXX : {$360.00} ) : This account was fraudulently opened in my name. 
XXXX. Inquiries : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) : Unauthorized inquiry. 
XXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) : Unauthorized inquiry. 
XXXX XXXX ( XX/XX/XXXX ) : Unauthorized inquiry. 
XXXX XXXX XXXX ( XX/XX/XXXX ) : Unauthorized inquiry. 
XXXX XXXX XXXX ( XX/XX/XXXX ) : Unauthorized inquiry. 

These accounts and inquiries were not initiated or authorized by me. I have already taken steps to dispute these fraudulent activities with the credit reporting agencies but have not yet received a resolution. I am requesting that these fraudulent items be investigated and removed from my credit report immediately. 

Thank you for your prompt attention to this serious 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