vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CUSTOMERS BANCORP, INC
State: CA

Complaint narrative:
Someone to out a loan under my name on XX/XX/XXXX and was given it without my consent or approval

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 2023-04-29 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: NC

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been more than 30 days and you are in violation of this law because I am a victim of identify theft! Please delete these items immediately.

These accounts should not be furnished on my consumer report as they are in violation! Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) In general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer, I am demanding the deletion of the accounts listed immediately. 

Inquiries : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX, Inquiry Date : XXXX, XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Account Names : 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 2023-04-29 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: NC

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been more than 30 days and you are in violation of this law because I am a victim of identify theft! Please delete these items immediately.

These accounts should not be furnished on my consumer report as they are in violation! Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) In general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer, I am demanding the deletion of the accounts listed immediately. 

Inquiries : XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX, Inquiry Date : XXXX, XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Account Names : 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 explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish a 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 2023-04-29 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 XXXX XXXX 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 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 2023-04-29 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: IL

Complaint narrative:
I am a victim of Fraud. I filed a police report and attached it below

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 2023-04-29 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: IL

Complaint narrative:
I am a victim of XXXX. I filed a police report and attached it below

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 2023-04-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX 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 also states a consumer reporting agency can not furnish a 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 2023-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Paypal allowed 4 charges to be added to my Paypal XXXX unauthorized by me. When I attempted to dispute the charges I received this notification : Case status : Closed The case was closed as this transaction is ineligible for PayPal Purchase Protection. 
Case details Case ID : XXXX Disputed amount : {$52.00} USD Seller info : XXXX, XXXX. 
XXXX XXXX Date reported : XX/XX/2023 Invoice ID : XXXX Case status : Closed The case was closed as this transaction is ineligible for PayPal Purchase Protection. 
Case details Case ID : XXXX XXXX XXXX : {$61.00} USD Seller info : XXXX, XXXX. 
XXXX XXXX Date reported : XX/XX/2023 Invoice ID : XXXX XXXX status : Closed The case was closed in the sellers favor as the seller provided a valid proof of delivery. 
Case details Case ID : XXXX Disputed amount : {$73.00} USD Seller info : XXXX, XXXX. 
XXXX XXXX Date reported : XX/XX/2023 Invoice ID : 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 monetary relief
Consumer complaint received 2023-04-29 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: OH

Complaint narrative:
My data was involved in various data breaches, Equifax Data Breach, XXXX Data Breach, and XXXX Data Breach. I have a number of unauthorized, inaccurate, and imcomplete accounts on my credit report that are hurting my reputation with the banking system. I am looking to get a mortgage very soon and these unauthorized and inaccurate accounts are hurting my chances. I did not consent to any of the unauthorized accounts or inquiries. This is unfair and inaccurate reporting that must be fixed immediately. I demand that you remove all inaccurate accounts immediately. Ive mailed in disputes more than a month ago and I still havent been responded too by the XXXX XXXX or Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: OH

Complaint narrative:
My data was involved in various data breaches, XXXX Data Breach, XXXX Data Breach, and Experian Data Breach. I have a number of unauthorized, inaccurate, and imcomplete accounts on my credit report that are hurting my reputation with the banking system. I am looking to get a mortgage very soon and these unauthorized and inaccurate accounts are hurting my chances. I did not consent to any of the unauthorized accounts or inquiries. This is unfair and inaccurate reporting that must be fixed immediately. I demand that you remove all inaccurate accounts immediately. Ive mailed in disputes more than a month ago and I still havent been responded too by the XXXX Experian or XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting 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 also states a consumer reporting agency can not furnish a 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 2023-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a copy of my credit report and I have found the following items listed below to be in error. These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed PAYS or PAID AS AGREED. 

XXXX  XXXX name + XXXX I was never late on this account. Please update the account as Paid/Current. 

XXXX XXXX  + XXXX I was never late on this account, and the account is closed and paid in full. Please update this account as Paid/Closed. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this within 30 days of receipt of this information. 

Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file.

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 2023-04-29 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: IL

Complaint narrative:
I requested an investigation XX/XX/2023 to valid this debt. I did not receive a respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I submitted an online dispute with Experian to update my personal information. I disputed incorrect addresses, phone numbers and my name. I even uploaded a copy of my drivers license which has my correct name and address. Experian did not update it. I then sent Experian a letter in the mail asking to update my personal information and I included a copy of my drivers license as well. Experian sent me an email on XX/XX/XXXX saying they verified that the information is correct, but it is not. As of today, XX/XX/XXXX, the inaccurate information is still 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 non-monetary relief
Consumer complaint received 2023-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
They are participating in deceptive trade practices. They do not make it clear the CNAC and JD BYRIDER are the same company. The did not make it clear that the vehicle had been in previous accidents. They advertised one price for a down payment then later stated the down payment would be spread out in 4 payments amongst other deceptive acts. The damage the vehicle has previously had had greatly affected me financially. They claim to have an 80 plus point inspection yet the vehicle needed a new battery a few days after purchase. I also wasn't aware the loan was not through JD BYRIDER and was through a 3rd party. I also was not aware there vehicle was collateral for the loan. I was not aware of a lot of things. JD BYRIDER has multiple cases of deceptive practices. Nor was I notified of my right to rescind.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
The 7yr Statue of limitation is up on these accounts, also the accounts also state that the debt is already written off as a loss. can you help removing this account from all 3 credit bureaus

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
I have new and updated information regarding Complaint Number XXXX : Hayt , Hayt & Landau , P.L . has provided false, deceptive, and misleading information in its previous response. It is a fact as seen in the attached documents that Hayt , Hayt & Landau , P.L . has identified themselves as a debt collector and its communication is in reference to collecting an alleged debt. Hayt, Hayt & Landau, P.L., a third-party debt collectors involvement in this matter is misleading as its participating as both a debt collector and as an attorney. Congress has deemed such behavior unlawful. I request Hayt , Hayt & Landau , P.L . to disclose under the Freedom of Information Act to disclose how it and its attorneys are participating as both debt collector and attorneys.

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 2023-04-29 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting 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 also states a consumer reporting agency can not furnish a 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 2023-04-29 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting 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 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 2023-04-29 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:
XXXX XXXX XXXX opened a fraudulent account in my name with my social security number without validating my address or calling me. Someone fraudulently purchased a motorcycle in the other side of the country, and despite furnishing a police report, XXXX XXXX XXXX has done nothing to help.

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 2023-04-29 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: NC

Complaint narrative:
To Whom it May Concern, In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my consumer report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) XXXX is in violation of not reporting 100 % accurate and not reporting at all. 

On XX/XX/2022 I sent in a dispute letter to XXXX asking them to verify a bankruptcy they are reporting on my credit report, I never recieved a response. 

I also disputed the same bankruptcy with TransUnion and XXXX. 
XXXX deleted the bankruptcy, meaning they couldnt verify it. 
I'm still battling with TransUnion on this matter. 

On XX/XX/2022 I sent in another dispute letter to XXXX making them aware that if they don't respond or comply with my dispute letter I would file complaint with the CFPB, the XXXX, and the Attorney General 's office and sue for damages.

I still haven't recieved a response. Instead they deleted my whole credit report and score. They haven't been reporting for the past 4-5 months. ( see attachment ) I have been reaching out to them to try to fix this matter ( dispute letter attached ), but unfortunately they won't respond.

I need your help with 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 2023-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I received a letter from this company stating they used my information to submit an application on my behalf in XX/XX/XXXX. 

They stole my identity and information for use of their own benefit. They lowered my credit score by fraudulent practices for their own benefit costing me careers, education, other financial services opportunities such as getting a bank account or credit card, a car and a mortgage. They directly impacted my life in a manner that cost me and my child ( ren ) their livelihood. 

They also ran my social security number over eleven times in XXXX and refused to acknowledge any of their mistakes instead stating that I was crazy. They would often gaslight me and say that calls I had with them did not happen though I recorded some of them and my account from my phone company does in fact reflect the calls were made. They have caused me mental anguish, anxiety and a loss of faith in the credit system and banks.

Company response to consumer: Closed with non-monetary relief