vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-04 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: Carvana Group, LLC
State: NC

Complaint narrative:
I have a hard inquiry on my credit report from CARVANA auto finance. That account is paid in full and suppose to be closed. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

1 5 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 2022-04-04 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: NC

Complaint narrative:
I have a hard inquiry on my credit report from XXXX XXXX XXXX. That account is paid in full and suppose to be closed. 

In accordance with the fair credit reporting 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 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 2022-04-04 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: LA

Complaint narrative:
I discovered illegal unauthorized accounts on my profile report. I'm concerned that you've included the following information in my credit profile and that you've neglected to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you distribute. Credit reporting laws require agencies to report only accurate credit data. Each step should be taken to ensure that the data detailed is completely accurate and correct. The accompanying data should be researched in this manner. After carefully pulling my credit report from your agency, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these items or inaccurate information because my personal information was impacted by the XXXX data breach and may have ended up in the wrong hands. You are filing reports negligently and inaccurately, in violation of the FRCA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain an attorney to represent you against me. 
I will seek a default judgment and bring a class action lawsuit against the corporation for violations, stress, and menstrual anguish on behalf of at least 1 % of the corporation, pursuant to TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.

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 2022-04-04 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: NC

Complaint narrative:
I have a hard inquiry on my credit report from XXXX XXXX Bank. I'm confused because I don't even own a XXXX XXXX XXXX XXXX 

In accordance with the fair credit reporting act XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-04-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On my credit report there is a hard inquiry from XXXX XXXX XXXX. This hard inquiry is two years old and thus it should be deleted from my credit report. Delete XXXX XXXX XXXX hard inquiry from my credit report as it has passed the time of limitation for it to be on my credit report. 
Delete XXXX XXXX XXXX from my credit report immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
NAVIENT Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX has been paid and closed on my report, this is still showing that it is 30, 60 and 90 days late with a balance. How can this be? They should be reporting the accounts paid. These accounts should not be showing a late date since they have already been paid for. It seems impossible to accrue late on accounts that have already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be fix immediately! 

NAVIENT XXXX NAVIENT XXXX NAVIENT XXXX NAVIENT XXXX NAVIENT XXXX NAVIENT XXXX NAVIENT XXXX NAVIENT XXXX NAVIENT XXXX NAVIENT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
MERCEDES-BENZ FINANCIAL SERVICES Account XXXX ******* XXXX has been paid and closed on my report, this is still showing that it is 30, 60 and 90 days late with a balance. How can this be? They should be reporting the account paid. This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be fix immediately! 

MB FIN SVCS ******* XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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 XXXX  account # 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, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-04-04 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: GA

Complaint narrative:
The consumer reporting agency is in violation of 15 usc 1681 ( a ) ( 4 ) Infringed upon a consumers right to privacy '' I an accordance to the fair credit reporting act my rights have been violated I have the right to privacy. See The Gramm-Leach Bliley Act ( also known as the Financial Modernization Act of 1999. 15 USC 1681b ( a ) ( 2 ) No permissible purpose/ No written instruction.

Accounts listed below are inaccurate and inconsistent on all three bureaus and I have the right to privacy which is a violation of my rights 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors ( B ) Reporting information after notice and confirmation of errors -XXXX XXXX  {$7800.00} XXXXus dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance 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 2022-04-04 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: GA

Complaint narrative:
The consumer reporting agency is in violation of 15 usc 1681 ( a ) ( 4 ) Infringed upon a consumers right to privacy '' I an accordance to the fair credit reporting act my rights have been violated I have the right to privacy. See The Gramm-Leach Bliley Act ( also known as the Financial Modernization Act of 1999. 15 USC 1681b ( a ) ( 2 ) No permissible purpose/ No written instruction.

Accounts listed below are inaccurate and inconsistent on all three bureaus and I have the right to privacy which is a violation of my rights 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors ( B ) Reporting information after notice and confirmation of errors -XXXX XXXX  {$7800.00} -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX -us dept of ed XXXX Loan Amount XXXX Balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Due to being a victim of identity theft resulted with a collection account with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have a hard inquiry on my credit report from JPMorgan Chase Bank. I'm confused because I don't even own a chase bank credit card. 

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 non-monetary relief
Consumer complaint received 2022-04-04 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: NC

Complaint narrative:
I have a hard inquiry on my credit report from XXXX XXXX XXXX  I'm confused because I don't even own a XXXX XXXX XXXX XXXX 

In accordance with the fair credit reporting act XXXX 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 2022-04-04 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: NC

Complaint narrative:
I have a hard inquiry on credit account from XXXX XXXX XXXX XXXX. I never shopped a car from this company or ever looked from financing from this company. 

In accordance with the fair credit reporting act XXXX 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 2022-04-04 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: LA

Complaint narrative:
I discovered illegal unauthorized accounts on my profile report. I'm concerned that you've included the following information in my credit profile and that you've neglected to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you distribute. Credit reporting laws require agencies to report only accurate credit data. Each step should be taken to ensure that the data detailed is completely accurate and correct. The accompanying data should be researched in this manner. After carefully pulling my credit report from your agency, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these items or inaccurate information because my personal information was impacted by the Equifax data breach and may have ended up in the wrong hands. You are filing reports negligently and inaccurately, in violation of the FRCA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain an attorney to represent you against me. 
I will seek a default judgment and bring a class action lawsuit against the corporation for violations, stress, and menstrual anguish on behalf of at least 1 % of the corporation, pursuant to TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: GA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 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: NC

Complaint narrative:
I have a hard inquiry on credit account from XXXX XXXX XXXX XXXX. I never shopped a car from this company or ever looked from financing from this company. 

In accordance with the fair credit reporting 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 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 2022-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX a check was paid on our account. Received the statement on XX/XX/XXXX and called the bank the following day, to inform them that the check was fraud and never authorized. I was told XXXX was now pnc bank and a dispute was initiated. I was told I would receive a written letter within XXXX business days. I never received any correspondence. On XX/XX/XXXX I received a letter asking to call them with more details. I called and An escalation specialist pulled up the information and said the claim had been resolved. However my account was not credited and no explanation given. She refilled the complainant and gave me a reference number. Two more weeks went by and I called her four more times but she was not sure what happened to my case and told me to call the fraud department directly for answers as she could not see the screen to help me. I called the fraud department and was told they also could not see that screen and said they would call me back. They never did. On XX/XX/XXXX I finally went into the bank and spoke with a branch personnel. She called the fraud department but still got no where. After numerous calls from her I was told they ordered a copy of said check and to come in on Monday to figure this out. I went in on XX/XX/XXXX and spoke with the branch XXXX who filled an elder abuse claim and sent it to the escalation dept to get this resolved. I received a call from the escalation dept on XX/XX/XXXX. She told me the dept she needed to talk to closed at XXXX pm but would call me the following day. I am still waiting for that call. It is XX/XX/XXXX today. She informed me that disputes can take up to 6 months to resolve. Honestly this is ridiculous. The check was never authorized and was clearly someone taking advantage of the elderly. To compound matters the bank is now taking advantage and abusing their elderly customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased an online business and related training on how to have my own digital business. I paid {$3000.00} and it included a full set up of the website plus training. The sale took course over a phone conversation. Everything else was handled over emails. These people are in XXXX so there is an almost 12 hour difference that later made it difficult for them to keep in touch in a timely manner. After payment was made they barely answered my support questions to the point that I got no more replies. Almost 4 months later of me doing everything on my own following their training videos I got stuck and was still not able to contact them. So I decided to contact my card provider Capital One for a formal complaint. The following day I get emails from the person I purchased everything from threatening me and my children! Telling how he knew everything about my life and how I and my kid will pay and be sorry! Mind you I never told him anything about my personal life and he mentioned things about my kid I had never or had any reason to tell him about! I freaked out and at this point I'm thinking he's hacked my personal info somehow and I proceeded to change passwords on EVERYTHING. I called my card provider and sent copies of the threatening emails and 4 reps I spoke with said they would help. That never happened as they washed their hands and said I needed to provide them with a receipt of the purchase! My receipt is the charge on my statement! I never received a confirmation email from this merchant for the purchase but they somehow produced a so called " return policy '' I NEVER received. So Capital One closed my case on that basis! I pay my purchases in full each statement and the reason I paid with a card was for the sole reason that I would be protected. I'm out of {$3000.00} and no business. That company scammed me and threaten me. I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a XXXX XXXX  car loan, but on my credit report the address they have it's incorrect, I never stayed there. I always stayed at XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. Plus the loan they have out for the car I don't even have it anymore. 

In accordance with the fair credit reporting act convergent 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 non-monetary relief
Consumer complaint received 2022-04-04 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: GA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from 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