vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
In XXXX of XXXX  the landlord posted an immediate evacuation notice with bright flourescent green, bright red card stock paper on the door because of a roach infestation inside of the apartment unit. The immediate evacuation was for extermination. There was no housing options given, no notice, or alternative housing at the property by the landlord and the evacuation also required that the belongings and personal items inside the dwelling be covered, packaged, packed, covered with plastic, removed, etc. The demand was enforced by both the property XXXX and the maintenance staff with notices, knocking, entrance into the unit and verbal interactions. There were then several notices after the entrance to the unit where the exterminators from a pesticide company entered the unit and continued to apply pesticides inside the unit which caused illness for housepets, humans, and the dwelling was no longer habitable. The infestations of roaches caused damages to the kitchen appliances and stopped the coils from connecting in the back of the refridgerator where a large number of roaches had embedded under the coil after the the first applications of the pesticide were done, and there was damage to all food from both the roaches and the pesticide inside the unit. The harmfulness of the insecticide was so bad that it continued to cause health conditions well after the required evacuation and removals of the units belongings until an evacuation for the reason of safety. The evacuations were in XXXX of XXXX. The landlord is asking for more rent than is owed. The landlord is also stalking personally the location of the next landlord and they are not just using the mailing address for contacting regarding a collection or options for payment. The landlords are stalking and abusing for illegal collections and abuse. The abuse is illegal and there is physical harm, emotional harm, and abuse to children because of the things that they have been saying after the stalking has occurred.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account ( XXXX XXXX ) that was not reporting accurately on XXXX, TransUnion, and XXXX, XXXX TransUnion and XXXX are all reporting ( XXXX XXXX ) inaccurate listed twice with 2 different accounts when I only have 1 account with ( XXXX XXXX ) and are reporting I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint with the dates included and I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. XXXX, TransUnion, and XXXX are showing inaccuracies on this account ( XXXX XXXX ) and isn't following the law according to 15 U.S. Code 1681e - Compliance procedures. And section ( b ) Accuracy of 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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account ( XXXX XXXX ) that was not reporting accurately on Equifax, XXXX, and XXXX, Equifax XXXX and XXXX are all reporting ( XXXX XXXX ) inaccurate listed twice with XXXX different accounts when I only have XXXX account with ( XXXX XXXX ) and are reporting I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint with the dates included and I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. Equifax, XXXX, and XXXX are showing inaccuracies on this account ( XXXX XXXX ) and isn't following the law according to 15 U.S. Code 1681e - Compliance procedures. And section ( b ) Accuracy of report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$820.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. This company has not responded in former complaint other than to send over a ledger document that does not belong to me as I have never done business with this company. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2024-04-10 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In accordance with the fair credit reporting act This creditor has violated my rights under 15usc1681 section 602 states I have the right to privacy 15usc1681 604a section 2 it also states a consumer reporting agency Can not furnish an account without my written instructions.

Under 15usc 1666b a creditor may not treat a payment on a credit card account Under an open 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 explanation
Consumer complaint received 2024-04-10 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act This creditor has violated my rights under 15usc1681 section 602 states I have the right to privacy 15usc1681 604a section 2 it also states a consumer reporting agency Can not furnish an account without my written instructions.

Under 15usc 1666b a creditor may not treat a payment on a credit card account Under an open 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 explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX  is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$120.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Account Number XXXX open, Amsher Collection Service Inc, Amount Owed {$620.00} that I owe. I have never signed any written document saying that I owe this debt to the collector. they are violating my right of the FCRA as a consumer. I do not know who they are and have not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all credit bureaus. XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
This is a follow up to the initial complaint ( XXXX ) whereas NMAC responded XX/XX/XXXX24 insisting they couldn't find my file due to not having my SSN. They also deny responsibility for fraudulently accessing my credit report and sharing it with several unauthorized companies ( included in this complaint : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) even though the loan application was submitted via THIER WEBSITE ( NMAC ) not XXXX XXXX Nissan which XXXX XXXX assured me they did what was needed so that when I submitted the loan app through Nissan 's site that it would only be pulled for NMAC financing. You can even read the correspondence that I provided copies of that the loan application was submitted Nissan 's website and it should be the responsibility of Nissan and it's subsidiaries to protect consumer info and manage their platforms and the manner in which they access consumer protected data accordingly, that's not my job or ability as a consumer and NISSAN needs to contact it's representative to address this issue NOT ME. XX/XX/XXXX2023 I was in the process of searching for a vehicle and came across Nissan in XXXX, NC ( XXXX XXXX Nissan ). During the process I emailed their team specifically requesting to ONLY have the pre-qualification and loan process be pulled for Nissan financing prior to applying for a loan and they agreed to this PRIOR to my submitting the application. Their representatives responded confirming that this was possible and that my loan would ONLY be pulled for Nissan financing. I look at my report and they alternatively submitted my information to multiple companies resulting in multiple inquires on my report and negatively impacting my credit score. They proceeded to be extremely unprofessional and unapologetic about their unethical practices and I received several junk letters from various institutions that I never applied to. They also consistently gave me incorrect pricing information from their advertisements, tried to hide and manipulate the sales and incentives and would refuse to apply certain incentives that I qualified for. Their team was psychologically and emotionally abusive. See attached screenshots. I demand that they remove all Nissan and Nissan partner inquires from all XXXX credit reports and any subsidiaries and that they delete my name and contact information from their systems immediately. Nissan is also one of the many companies that later sent a loan decision letter and other correspondence to my address further proving that the application was submitted via their platform. There is no way to submit my SSN via this complaint process, only a loan or account number that I do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: CA

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING. PLEASE SEE ATTACHED.

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 2024-04-10 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: CA

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. THE BUREAUS and PORTFOLIO RECOVERY 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 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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> I disputed several inquiries that appeared on my credit report. Those inquiries were unauthorized. Capital One Auto Finance was on my credit report XXXX times, however was supposed to be on there XXXXne time. I notified the bureaus and let them know to dispute the unauthorized inquiries however all inquiries were disputed. One of the inquiries that were disputed was connected to my actual automobile loan at Capital One. 

On XX/XX/year> ( almost two months later ), my installment loan from Capital One was removed from my credit report AND my ability to monitor my account was blocked online by Capital One. I contacted Capital One to find out what happened and they advised that XXXX blocked my account from being reported due to suspected fraud. I let them know that the account was not identity theft and that I had possession of my vehicle and they advised me that they would close the fraud case and send a letter of reinsertion to XXXX and the remaining bureaus so my account could begin reporting once again. 

I spoke to XXXX and they advised me that they did not block my account from Capital One and that Capital One was the one who blocked the reporting of the account. XXXX escalated the situation to higher management who further confirmed that they did not block the account. They advised that if Capital One wanted to resume reporting, they would have to contact XXXX and request for it to resume reporting. 

Capital One states that XXXX is responsible for the account being blocked. XXXX states that it is documented in the communication sent from Capital One that Capital One is the one who is blocking the account. I had someone from the Office of the President to call me today and advise that there was nothing that they could do as it was not their responsibility. 

I need my account reporting on my credit report and I need access to the app on Capital One to monitor my account and be able to make payment. Please make the two companies resolve the issue. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-10 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: CA

Complaint narrative:
XXXX XXXX  has reported information without my knowledgeThe Privacy Act of 1974, as amended, provides safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices. " 15 usc 6802.d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.

( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ;

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