vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I cosigned the loan for a certified preowned XXXX XXXXXXXX. My XXXX could not continue with the payments because of a safety recall or service campaign that was declined due to the manufacturer stating that they were not obligated to inform a second owner of a recall and the prerequisite recall was not addressed. Fifth Third Bank reposessed the car instead of trying to support us with the issue. They then added additional fees and when I called to ask why the additional moneys were owed, the representative just told me that they could not know ahead of time what fees would accumulate. They added about a XXXXXXXX XXXX more to the car note amount owed. I finally worked hard to pay it off and picked the car up from the impound lot. I paid it off and also had to pay my mechanic {$2000.00} to look at it. He tried his best and repaired the engine. by this time it cost me about {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: GA

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. 
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 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 XXXX XXXXXXXX, has violated my rights. 


15 U.S.C. 1681s-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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have disputed this account several times and notifying the original creditor that this account was opened during the time I was incarcerated. The address they have listed I have never lived in the state of XXXX  only XXXX. I have supplied certified court documentation of my XXXX XXXX XXXX XXXX XXXX  and they results are coming back as verified. There is no way, that I can open up a credit card and have access to the card to make purchases while being XXXX. I have also included police report and still no resolution.

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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have disputed this account several times and notifying the original creditor that this account was opened during the time I was XXXX. The address they have listed I have never lived in the state of XXXX only XXXX I have supplied certified court documentation of my XXXX time in XXXX XXXX and they results are coming back as verified. There is no way, that I can open up a credit card and have access to the card to make purchases while being XXXX. I have also included XXXX XXXX  and still no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX XXXX Doing Business In Ohio As XXXX XXXX De XXXX has obtained a debt from a Capital One bank. The original debt that was placed on my account was for {$1300.00}. The account was deleted from my credit report for being fraudulently opened. I informed XXXX that I am not responsible for this debt. I never opened a credit card with Capital one bank. I was a victim of identity theft in XXXX. They sent a letter dated XX/XX/XXXX stating that I owe {$1600.00}. The letter states that a judgment was obtained against me or certified in XXXX XXXX XXXX on XX/XX/XXXX demanding payment. If I dont respond within 15 days then they will begin to garnish my wages. I spoke with XXXX and they would not set up a dispute resolution for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have disputed this account several times and notifying the original creditor that this account was opened during the time I was XXXX The address they have listed I have never lived in the state of XXXX only XXXX. I have supplied certified court documentation of my XXXX time in XXXX XXXX and they results are coming back as verified. There is no way, that I can open up a credit card and have access to the card to make purchases while being XXXX. I have also included XXXX XXXX and still no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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: GA

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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 non-monetary relief
Consumer complaint received 2024-07-14 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: Experian Information Solutions Inc.
State: GA

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 Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I've sent several emails and documents stating that XXXX XXXX XXXX XXXX Sc XXXX and XXXX XXXX XXXX XXXX Sc XXXX are address that I never resided sent my current paperwork to show prior address they refuse to remove those addresses those address are tied to the fraudulent account that were opened without my consent that I am currently disputing as well. I had several conversations about the information and documents that was sent in to verify my prior address and current addresses. I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with, nor did I provide written consent for my credit report to be accessed.

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 2024-07-14 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: IL

Complaint narrative:
I am writing to dispute several unauthorized inquiries that appear on my credit report. These charges are fraudulent and were not made by me. 

The specific details of the disputed charges are as follows : 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 XXXX XXXX XXXX XXXX 

I have not authorized these charges, nor have I received any goods or services related to them. These entries are impacting my credit score and were likely caused by identity theft or error. 

Attached, you will find copies of my FTC report. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute several unauthorized inquiries that appear on my credit report. These charges are fraudulent and were not made by me. 

The specific details of the disputed charges are as follows : 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 XXXX XXXX XXXX XXXX 

I have not authorized these charges, nor have I received any goods or services related to them. These entries are impacting my credit score and were likely caused by identity theft or error. 

Attached, you will find copies of my FTC report. 

Thank you for your assistance. 

Sincerely, 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 2024-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OR

Complaint narrative:
I bought an item last XX/XX/2024 worth {$1300.00} using zelle through my bank XXXX XXXXXXXX XXXX XXXX. The seller 's information ( license ) and zelle accoint matched thats why i trusted him and trusted zelle 's secuirty they wont let fake information use their service. I was wrong. I got scammed. The seller didnt mail the item i purchased. Zelle doesnt want to help me even after i told they the let fraud created an account and use their service. My bank doesnt want to helped me too. Im so XXXX and XXXX  for many days. {$1300.00} is a big amount of money for me. Please help me with this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-07-14 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: CA

Complaint narrative:
I recently reviewed my Equifax credit report on the XXXX XXXX platform as well as the XXXX three bureau report and there is an account from XXXX XXXX XXXXXXXX that is not mine and showing on my report. However, when I review my report on the Equifax website, the account in question is not there. I have attached copies of the report from XXXX XXXX and XXXX for review as well as a full Equifax issued credit report. I am concerned that these other credit report platforms are including this erroneous information in their reports. Where are they getting this information from?? Is it possible there is a split file and this account is erroneously being reported? 

The account details are : XXXX XXXX XXXXXXXX : ACCOUNT NO. XXXXXXXX DATE OPENED : XX/XX/XXXX BALANCE UPDATED : XX/XX/XXXX CREDIT LIMIT : XXXX HIGH BALANCE : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: TN

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 Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX, XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 non-monetary relief
Consumer complaint received 2024-07-14 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: Experian Information Solutions Inc.
State: TN

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 Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX, XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to 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 2024-07-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I filed my dispute on the app on to investigate my complaint and they didnt modify or remove off my account do to 15usc-1681-5

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One Services, LLC engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error. I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. They reported this billing error XXXX times across the span of XXXX, XXXX. They reported XXXX, XXXX of XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX ; as well as XXXX of XXXX as late payments. I did not receive a statement 21 days before the late payment error. Within each of these statements, I was assessed a late charge and interest accrued, adding to approximate amount of {$47.00}. 
Furthermore, IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law. Each statement writes they will not report me as delinquent on my report. 
Both XXXX and XXXX are reporting negative information on my account on my behalf without my permission, which is a violation of I5 USC 1681b.This account should be listed as PAYS or PAID AS AGREED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Propel, Inc.
State: NC

Complaint narrative:
On XXXX my card was compromised and {$500.00} was withdrawn from my account Also on XX/XX/year> {$400.00} was also withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I recently checked my credit report and noticed some inaccurate accounts reporting. 

There is inaccurate information on all creditors for last reported, active, open, and payment date doesn't align with each creditor. Late payments are also different as well when creditor reported it to the credit bureaus. 

There are so many inaccurate information that has been falsified and reported.

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