vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-08 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: NY

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 ( Original Creditor : XXXX XXXX XXXX ) : XXXX, XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) : XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX, 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 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.

Also, each account has error and inaccurate information in each category : Date opened, Last reported, Date Last active, and Date of Last Payment. All accounts needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: NY

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 ( Original Creditor : XXXX XXXX XXXX ) : XXXX, XXXX XXXX ( Original Creditor : 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 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.

Also, each account has error and inaccurate information in each category : Date opened, Last reported, Date Last active, and Date of Last Payment. All accounts needs to be deleted.

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 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2023-01-08 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: VA

Complaint narrative:
I have some inquiries dating back to XX/XX/2021 from companies that are reporting to all XXXX Credit Bureaus that I do not recognize, nor do I have any open accounts with. 


XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

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. Lvnv account XXXX. Lvnv account XXXX. 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. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
In accordance credit reporting act. The accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX, Account Name, LVNV FUNDING LLC has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right 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 an account without my written instructions.

1. An acknowledgment of the dispute within thirty ( 30 ) days. 15 USC Sec. 1666 ( a ) ( 3 ) ( A ) ; 2. If the error is not corrected, a written explanation report following a reasonable investigation, including the production of documentation evidence, within ninety ( 90 ) days. 15 USC Sec.

1666 ( a ) ( 3 ) ( B ) ( ii ) ; and 3. No restrictions or adverse actions on the account, pending resolution. 15 USC Sec. 1666 ( d ).

FAIR CREDIT BILLING ACT VIOLATIONS. Failure to follow the rules pending resolution : 1. Relinquishment of the right to collect any alleged debt on the account. 12 CFR 226.13 ( d ) ( 1 ) ; 2. Exposure to liability for actual damages plus twice the amount of the finance charges. 15 USC Sec. 1640 ( a ) ( 1 ) & ( 2 ) ; and 3. Potential criminal liability for willful and knowing violation of the FCBA and other Truth in Lending provisions. 15 USC Sec. 1611 ( 1 ) & ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: Westcreek Financial
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
They keep saying I owe them and I already filled serverous Reports saying it was due to identify theft and they still want take it off my credit it's not my account I don't owe XXXX XXXXplease get this off my credit cause it affecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
We took off extra warranty.They XX/XX/XXXXtruck only cost XXXX dollars.After financing it went up to XXXX dollars.

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 2023-01-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XXXX My husband and I went to purchase two recliners at a Macys furniture store. The sales clerk suggested we open a Macys credit card to get an addition percentage off since it was XXXX XXXX XXXX and I was denied. She tried again per phone this time and I was granted a {$500.00} limit. I was so embarrassed during this Long process in front of other waiting customers. I said No I didn't want that so she ran my husband credit card application and he was accepted at {$10000.00} limit. My credit is better than my husband and we couldn't understand. A letter was sent to me stating the decision was made because unable to verify identity information by XXXX, So on XXXX I called the phone number listed by Macys on the letter and was told the account I didn't want was open for the {$500.00}, So I asked to have it closed and to find out the specific reason for my denial and the Macys customer service rep XXXX Yelled at me and Hung up! She was so UNPROFESSIONAL and RUDE! My husband was present during this call. Then I called XXXX and they said they had no idea why I would be denied since I had a XXXX XXXX XXXX from them and XXXX from XXXX, and XXXX XXXX. I'm not sure if my denial was myself being a XXXX XXXX and my husband XXXX, XXXX, Citibank, or XXXX. I have no idea if any of this is illegal, but it have been a HORRIBLE EXPERIENCE! I appreciate Any help. I can provide any paperwork needed. THANK YOU SO MUCH!

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 2023-01-08 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: NY

Complaint narrative:
EXPERIAN is reporting inaccurate information on my report. My address on file is accurate and current but EXPERIAN has accounts on my credit file with an address I never lived in. The address on those accounts dont match the address listed on my 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 2023-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
on XX/XX/23 XXXX different debits were taken out of my checking account to XXXX. They were sent to XXXX ( XXXX ) for concert tickets. I never received the concert tickets or a refund after asking for it. Also Chase wouldn't reverse the charge even though I was scammed. I reached out to XXXXXXXX XXXX XXXXXXXX wouldn't refund the amount or provide the tickets. 
I then reached out to XXXX XXXX Chase instructed me to do so. Once on the phone with XXXX I was transferred to their so callled XXXX Department to verify my identity to reicieve thXXXX XXXX XXXX  back from XXXX. 
However, I believe I was transferred outside of XXXX and further scammed. There were multiple charges totaling over {$4000.00} to my bank account. 
Chase as of XXXX is working on reversing these charges but XXXX not reverse the XXXX charges. I want to file a claim not only on XXXX but with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have some inquiries dating back to XX/XX/2021 from companies that are reporting to all 3 Credit Bureaus that I do not recognize, nor do I have any open accounts with. 


XXXX - XX/XX/2021 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 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 2023-01-08 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: VA

Complaint narrative:
I have some inquiries dating back to XX/XX/2021 from companies that are reporting to all XXXX Credit Bureaus that I do not recognize, nor do I have any open accounts with. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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: Lockhart, Morris & Montgomery Inc.
State: TN

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
CAPITAL ONE CREDIT CARDS, CABELLAS HAS TRIED UNSUCCESSFULLY, AND ILLEGALLY, BY MANY VIEWS, TO COLLECT, IN FULL, AN OWED BALANCE, THAT THIS CONSUMER, HAS PROVEN FRAUDULENT, USING US PUBLIC LEGAL SERVICES, US POLICE AGENCY REPORTING, AS WELL AS LEGAL DISPUTE PROCEDURES, AND INSTRUCTIONS, FOR RESTORING GOOD CREDIT, BY THE 3 THREE, NATIONAL CREDIT BUREAUS. THE LAST ATTEMPT TO COLLECT, AFTER, THE REPORTING BUREAUS, BY LAW REMOVED FROM THIS CONSUMERS CREDIT REPORT, THE ILLEGAL DEBT, CAME FROM CAPITAL ONE 'S RETAINED COLLECTION AGENCY, XXXX XXXX XXXXXXXX XX/XX/2022. THIS CONSUMER INFORMED THIS COLLECTION AGENT XXXXXXXX XXXX XXXX  VIA RECORDED LINE, AND WAS INTENTIONALLY, DECEIVED, VIA PHONE LINE, BY A LIVE AGENT MISPRONOUNCING THE LEGAL " CEASE AND DESIST ORDER '' THE AGENT SAYING A " SEEDEE ORDER '' AND WAS TRANSFERRED TO A COLLECTIONS AGENT. I ADVISED THE AGENT THAT THIS COLLECTION ATTEMPT VIOLATED STATE AND FEDERAL LAW, AND THE FCA FAIR CREDIT REPORTING ACT AND ENDED THE CONVERSATION CORDIALLY AND ASSERTIVELY, THE AGENT RESPONDED DEFENSIVELY, THAT SHE HERSELF DID NOT VIOLATE THESE LAWS, THINKING INCORRECTLY, THAT SHE HERSELF WAS LIABLE AND CULPULABLE FOR THIS CRIME. MIDLAND CREDIT RESPONDED IN WRITING THAT THEY ARE CONSIDERING, AND THREATENING A CIVIL ACTION, AGAINST THIS CONSUMER, THE WRITER OF THIS REPORT. I RECEIVED A WRITTEN NOTICE OF INTENT TO SEEK CIVIL ACTION ACCOUNT NUMBER XXXX XX/XX/2022, SINGNED " XXXX XXXX '' DIVISION MANAGER OF XXXX XXXX XXXX, REPRESENTING CAPITAL ONE XXXX XXXX FROM XXXX XXXX XXXX  ADDRESS, US XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA XXXX. PLEASE ASSIST. THANK YOU FOR YOUR SERVICE TO THE UNITED STATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 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:
In accordance with the fair credit reporting at the list of accounts, below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681.

Online Information Services Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnishing an account without my written instructions.

15 USC 1681 C ( a ) ( 5 ) section states No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of conviction or crimes which antedates the report by more than seven years.

15 USC 1681 s-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 an accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Since submitting notice of TRANSUNIONS Gramm-Leach-Bliley Act ( GLBA ) violations against my consumer report, totaling more than XXXX errors, TRANSUNION has denied me access to my report for daily, weekly and monthly monitoring and is continuing to violate my consumer report, I have reported this crime to CFPB on multiple occasions, however my access to my consumer report is continuing to be denied and TRANSUNION is continuing to XXXX and XXXX their management of my profile and are forcing a XXXX day response time per the last notice received.

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