vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX ( Listed over 14x ) Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # XXXX Have violated my rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) states I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( 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 consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes ( they may only report crimes, not debts ) which antedates the report by more than seven years. 15 U.S.C. 1981s-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 2022-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
On XXXX XX/XX/XXXX, I called Navient to make a loan payment on a Federal spousal consolidation student loan and I made a formal request ( on a recorded line ) for a copy of my master promissory note. 

The representative put me on hold, messaged her processing team and reported to me it would be sent to me ( via email ) by XX/XX/XXXX. 

On XX/XX/XXXX at XXXX pm EST I called Navient to ask the status of the Master Promissory Note being sent. 

I was told the following : 1 ) it could not be emailed 2 ) there was no request made I told the representative I had a record of the request and that it was offered to me to be emailed OR mailed. 

The representative said she saw no notes at all of a request and said I would need to start the process over. 

I was connected to a supervisory at XXXX XXXX XXXX who told me the following 1 ) there was a note of my request having been made 2 ) the representative on XX/XX/XXXX never submitted the request 3 ) the representative from earlier today on XX/XX/XXXX was wrong and the Master Promissory Note COULD be emailed 4 ) then the supervisor came back on the line to say that the Master Promissory Note could not be found. 

I informed the supervisor I was filing a complaint with the CFPB because it is an abomination that consumers must call Navient REPEATEDLY and waste hours on hold to make these requests and then representatives simply ignore the requests and consumers must start from scratch. 

As of today, XX/XX/XXXX, I am still without my Master Promissory Note

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have had my secured credit card with capital one for XXXX XXXX XXXX XXXX XXXX XXXX  ). I made a {$200.00} deposit when opening this account which determined that the credit limit would be {$200.00} ( years later I deposited another {$100.00} making the credit limit {$300.00} ). When I started this account, I was under the impression that I was paying {$200.00} upfront and XXXX XXXX  in exchange for this card eventually being changed to an unsecured card and that I would receive my deposit ( s ) back. According to capital one faq : " Capital One refunds security deposits in two ways : You can earn back your deposit as a statement credit by using your card responsibly. Or it will be refunded when you close your account and pay your balance in full. '' I have never missed a payment. After 12 years, I'd assume that means I have been using my account responsibly. This card should have been made unsecured and I should've received the {$300.00} back by now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: SC

Complaint narrative:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd.
State: AZ

Complaint narrative:
Received debt from collection bureau of america, stating i had a ticket from XXXX, I paid the full amount to not have any issues since I have good credit. Company refuses to email/fax or mail letter stating that bill was paid in full and account closed. Called company several times with a lie being told that they have email letter, but never receiving it, company took the money but wouldn't provided an proof stating that account is closed and paid. Attached letter from company with confirmation number showing that payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: CA

Complaint narrative:
1. In accordance with the Fair Credit report Act 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 is also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
On XX/XX/XXXX I tried to make a purchase at XXXX XXXX XXXX XXXX XXXX  as I was visiting my XXXX on vacation and my card was declined which was strange since there should have been $ XXXX left available on the card. I paid for the merchandise with another card and left the store. Immediately upon getting to my car I called the company to find out what was going on. They informed me that my card was locked due to suspected fraudulent activity. I asked what they thought was fraudulent on my card that would warrant it being locked and they said they couldn't see the exact reason but if I were to send proof of address and a copy of my driver 's license to validate my identity then the information would be reviewed, and the account could be unlocked. I did state that I was out of town and didn't have access to a utility or any other mail that I received she then told me to send a copy of bank statement and my driver 's license. I have now sent everything to them but continue to get the run around. Yesterday I spoke with a rep who told me that they had everything they needed, and my card would be unlocked within the same business day. As of XXXX it was still locked so I called them back to ask why at which point I was told that my proof of address was not sufficient. This 14 days after this process had be started and I have had multiple conversations with the company re this issue and have been told that the proof of address was good but the driver 's license they had multiple issues with and I had to send it XXXX  times at which point I was told everything was good. Now they are saying they need proof of address. They are just jerking me around and I am unable to use my card but they are expecting to get payment on time and of course eveything that I have on autopay with this card now needs to be moved somewhere else before those purchases are denied as well. They never contacted me to tell me that there was a problem with my card they just locked it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital System has not provided me with a contract that shows I entered an agreement to pay the debt they say I owe them. When I called and spoke to someone they claimed that they could not even pull up the account number they it shows is listed on my account per the credit report. I owe them nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX claims that they report my payment, remaining loans to all the major credit reporting agencies but I never see it in XXXX, XXXX or Transunion. 
I have reached out to XXXX and XXXX XXXX. XXXX and Transunion are unreachable. When I use my information to create an account it does not work.

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 2022-07-20 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo claims that they report my payment, remaining loans to all the major credit reporting agencies but I never see it in XXXX, XXXX or XXXX. 
I have reached out to XXXX and Wells Fargo. XXXX and XXXX are unreachable. When I use my information to create an account it does not work.

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 2022-07-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX claims that they report my payment, remaining loans to all the major credit reporting agencies but I never see it in XXXX, Equifax or XXXX. 
I have reached out to XXXX and XXXX XXXX. Equifax and XXXX are unreachable. When I use my information to create an account it does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: OH

Complaint narrative:
These following hard inquires show on report and are not mine. I called In twice on this issue and they still show on report. 
XXXX. XXXX XXXX XX/XX/22 XXXX. XXXXXXXX XXXX XXXXXXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXXXXXX XXXX XXXXXXXX XX/XX/22 XXXX XXXX XXXX XXXXXXXX XX/XX/22 All above should be removed

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 2022-07-20 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: OH

Complaint narrative:
These following hard inquires show on report and are not mine. I called In twice on this issue and they still show on report. 
XXXX. XXXX XXXX XX/XX/22 XXXX. XXXXXXXX XXXX XXXXXXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXXXXXX XXXX  XXXX XX/XX/22 XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/22 All above should be removed

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 2022-07-20 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: PA

Complaint narrative:
The Credit bureaus stated my account wasproperly investigated 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 is ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: CA

Complaint narrative:
The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
Inaccurate Name : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX EMPLOYER : XXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2022-07-20 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: CA

Complaint narrative:
1. In accordance with the Fair Credit report Act XXXX  account 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 is also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: CA

Complaint narrative:
1. In accordance with the Fair Credit report Act XXXX  account 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 is also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20 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: CA

Complaint narrative:
1. In accordance with the Fair Credit report Act XXXX account 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 is also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
Inaccurate Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: CA

Complaint narrative:
The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
Inaccurate Name : XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA Date Updated : XX/XX/XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2022-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
CREDIT ACCEPTANCE : WAITED UNTIL 87 % of the loan was paid to repossess the vehicle the loan was for due to delinquency, the same day I had made a payment, without a phone call or even an email to ask for more first. They just sent the truck over, causing much more to be paid and not towards the loan. This is a scam. 
This company reported increased annually in profits. I can see why with this kind business practice. 
Credit Acceptance annual revenue for XXXX was $ XXXX, a 11.18 % increase from XXXX Credit Acceptance annual revenue for XXXX was $ XXXX, a 12.11 % increase from XXXX. 

I was delinquent with a loan via Credit Acceptance due the covid-19 related issues. I made a {$70.00} payment today XX/XX/XXXX to start getting things moving in the right direction for the month. Approx. 2 hours later a tow truck came and loaded up the car, I talked to them and they said they can wait while I call the loaners since there was a payment just a few hours ago.

The Credit Acceptance representative advised with a payment for an ADDITIONAL {$330.00} he could stop but it had to be now, over the phone. I wasn't able to immediately and the removed the vehicle. I got off the phone and called the bank to move money over and called back to make the payment. This time another representative advised a new total of {$650.00} was due today or they would sell the car for the remaining loan balance of approx. {$2000.00} ( after paying them for several years on a {$16000.00} loan ) After explaining to Credit Acceptance rep that I just made a partial payment for XXXX and when my next pay date was they told me they would wait until Friday XX/XX/XXXX to sell the property for balance unless the {$650.00} was paid in full. I ended the call and was advised by another party this is probably not correct from them and called back and got another representative that advised that given the {$400.00} already paid today that WILL be against the {$650.00} leaving {$250.00} remaining, I paid this amount to process the release to the local tow company. 

Now the XXXX XXXX XXXX hasn't sent to release in 1 hour and 5 minutes and after speaking with them twice, being advised it takes 5 minutes twice, and they assured me they sent it, twice. I am doubting I can get my car back today for work tomorrow at this rate since the local tow company will likely close at some point.

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