vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Cosigned for a car for an X over eight years ago, it was never on my credit and all of a sudden its showing up on XXXX with the date XXXX XXXX I cosigned for this vehicle over eight years ago and he left with the vehicle. I never drove it. He was paying everything on it. I have no idea what happened to the vehicle. It was never on my credit with XXXX and now its showing up on there and I dont know why, they told me that I needed to get an FTC thats what Im trying to do so I can send the information to them because this is not my account and I dont understand why its on my credit all of a sudden two years ago when it hasnt been on my credit for almost over 10 years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.

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 2023-05-25 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: IL

Complaint narrative:
I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. THE INQUIRIES ARE 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 2023-05-25 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: IL

Complaint narrative:
I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. THE INQUIRIES ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AC AutoPay LLC, Denver, CO Branch
State: WA

Complaint narrative:
On XX/XX/2023 XXXX PST I saw a hard inquiry from XXXX XXXX XXXX XXXX on my credit report. 

Upon contacting them they told me the request was generated by AutoPay ( parent company XXXX ) I have never contacted autopay or given them explicit permission to run my credit. 
I have only filled out a form on XXXX XXXX with XXXX to refinance my car loan but they specified only to run a soft inquiry. 

I tried talking to AutoPay but their staff XXXX XXXX and XXXX XXXX informed me that they purchased my information from XXXX and decided to run my credit without my consent. 

XXXX also refused to dispute this credit check after multiple requests and eventually stopped responding altogether to stop their liability I want this hard inquiry removed as I am working towards building my credit currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I was scammed into XXXX  someone ( named XXXX on XXXX ) money for a concert ticket for {$170.00}. I XXXX  them so the scammer 's XXXX is associated with their bank and real identity. I called XXXX immediately and they told me they would look into it. I called again today on XX/XX/XXXX to see the status and the person I talked to on claims was incredibly rude and dismissive. They said I wouldn't get my money back and the case is closed and they won't do anything about it. Fine, it's XXXX thing if I can't get my money back, but I expect something to be done about the scammer 's account. Their XXXX is clearly attached to XXXX so they have an account and I can not believe that XXXX is unwilling to look into this account. How could you want to continue doing business with someone that scams people. This scammer 's account should be reported or closed or there should be action taken. As a long time customer of XXXX 's banking and credit services, I am incredibly disappointed with the way they have handled this. I get that I shouldn't have sent someone I don't know money but why does all the blame get put on me and not the evil person scamming others? I know XXXX can do something about this and it's sad that they do not care about all the people being scammed .... I expect my money back or for this scammer 's account to be closed and reported or I will be moving my primary banking and credit card relationship to a financial institution I can have faith in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.

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 2023-05-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: AZ

Complaint narrative:
recently discovered that someone had stolen my identity and used my personal information to open fraudulent accounts and make collections on my credit report. It has been a challenging experience that has had serious consequences on my credit score and financial well-being. I have taken immediate action to dispute the fraudulent accounts and collections, and I have reported the identity theft to the appropriate authorities. This has involved working with credit bureaus, banks, and law enforcement agencies to investigate the fraud and restore my credit report. It has been a stressful time, but I am doing everything I can to protect my identity and recover from the damage that has been done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Disputed bankruptcy... they still have it on. XXXX is incorrect and bankruptcy was dismissed in 2013. Is need to be removed... I can not get any credit with that on my report. 
Please insure they remove the inaccurate info. I would like to see the proof if the date and the disposition of the charge

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 2023-05-25 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: CA

Complaint narrative:
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 2023-05-25 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: AZ

Complaint narrative:
I submitted a complaint last XX/XX/XXXX hoping that the remaining fraudulent items that are not deleted from my XX/XX/XXXX complaint will be REMOVED completely but it was closed immediately. I submitted a complaint again last XX/XX/XXXX and again it was closed immediately. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.

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 2023-05-25 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: AZ

Complaint narrative:
I submitted a complaint last XX/XX/XXXX hoping that the remaining fraudulent items that are not deleted from my XX/XX/XXXX complaint will be REMOVED completely but it was closed immediately. I submitted a complaint again last XX/XX/XXXX and again it was closed immediately. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.

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 2023-05-25 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: LA

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

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 2023-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I have provided this company with the necessary documents showing I was a victim of identity theft. I received a letter on XX/XX/XXXXXXXX  advising me that they were unable to substantiate the allegations in my dispute but didn't provide any more details. I called the phone number listed on the letter XXXX, which states the company name and says please hold repeatedly. I have not talked to anyone verbally, as this phone number does not connect you to a human being. This account is a fraudulent account. Their documentation sent in XXXX of XXXX does not show any identity verifications that shows I legally purchased this vehicle. There is not a copy of my drivers license, check stubs, bank statements or any other factors that proves I purchased this vehicle. Only documents showing a signature that was falsely signed. When purchasing a vehicle, by law, you have to provide proof of identity. Please show me a copy of my drivers license and income verification documents that was used to complete the purchase of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. 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, 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 2023-05-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Begining 2022, I submitted on 3 different remittance coupons ( which is to Bank of America, they accepted the coupon and then took adverse actions against me for exercising my rights by closing the account and continued to bill me. A remittance coupon is a negotiable instrument. 
12 CFR 1026.13 - Billing error resolution. 
a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.

( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. 
Violations ... 

( XXXX ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. 
I have uploaded evidence of my attempt to communicate and resolve this issue. 

15 U.S. Code 1693m - Civil liability ( a ) INDIVIDUAL OR CLASS ACTION FOR DAMAGES ; AMOUNT OF AWARD Except as otherwise provided by this section and section 1693h of this title, any person who fails to comply with any provision of this subchapter with respect to any consumer, except for an error resolved in accordance with section 1693f of this title, is liable to such consumer in an amount equal to the sum of ( 1 ) any actual damage sustained by such consumer as a result of such failure ; ( 2 ) ( A ) in the case of an individual action, an amount not less than {$100.00} nor greater than {$1000.00} ; 1. Cause me Stress 2. Closed my acct 3. Damaged to my credit file Question : Who has the actual, implied, or apparent authority to use consumers credit card or open-end credit pursuant to 15 US code 1602 ( l )

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 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
Avant , LLC - XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Avant credit card company needs to be sued for un professional practices. 
My accounts been closed for over a year. Ending balance was XXXX I owed when i closed my account. I've been making monthly payment on this for XXXX dollars a month on on time. They wait till I owe XXXX dollars left then start having problems with there website or cant get a hold of nobody. reporting late payments on my report. 
This account is closed and Im still getting high interest charges on a closed account every month. I will be looking into legal Counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
They told me if u didn't pay the late payments they would take my place. So I used the insurance money from. My house burning down

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

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 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I have a Costco Visa card with Citibank. On XX/XX/XXXX  I was in XXXX XXXX when my card declined for my rental car deposit. This did not make sense, as I had paid off my card earlier in the month and should have had plenty of credit to cover the charge. 

I called Citibank and was told that my credit limit had been lowered that morning due to " derogatory information on my credit report ''. ( No notice of this change was sent to me until the following day, XX/XX/XXXX, via email. ) When I insisted that no negative entries existed on my credit report, I was told that I had late payments and to contact XXXX. 

Upon returning, I contacted XXXX on XX/XX/XXXX and obtained the credit report attached. The XXXX representative ( and a supervisor I spoke to ) stated that there were no late or missed payments on my credit report, nor any other derogatory information of any sort. This was also confirmed by the copy of my XXXX report I downloaded that day ( attached ). My XXXX XXXX  score with XXXX was XXXX on that day ( currently XXXX ). 

I then called Citibank and spoke to a representative and then a supervisor. I explained the situation, and was told that I would have to dispute any wrong information with XXXX. However, there was no incorrect information showing on my XXXX report, so there was nothing I could dispute with the credit bureau. I also pulled up Citi 's XXXX score page on my Visa account, and it showed that the XXXX score they were using was XXXX ( currently XXXX ) and that my score was reduced due to late or missed payments ( attached ). The supervisor I spoke to ( XXXX, employee ID XXXX ) stated that he would submit a review request to the Citibank credit department to investigate the discrepancy. 

As of today, XX/XX/XXXX, I had not gotten any response from Citi on this review, so I again called and spoke to a supervisor ( XXXX, employee ID XXXX ). XXXX stated that a review had been done and nothing had changed. When I asked why the Citi XXXX score page states that my score is reduced due to late or missed payments that XXXX does not show, XXXX said that I would have to dispute the information with XXXX. ( However, as stated, I can not dispute information that does not exist at XXXX. ) XXXX stated that Citi would not provide me any further information about where this derogatory information currently exists. Therefore, I am requesting that CFPB require Citibank to explain where they are obtaining erroneous information on " late or missed payments '' on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief