vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The company XXXX XXXXXXXX XXXX has caused a number of problems on my consumer report. 

XXXX XXXXXXXX XXXX is in Violation of 15 usc 6802 a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now the proper notice is that the financial institution may not disclose nonpublic information to a nonaffiliated third party unless the financial institution clearly discloses to the consumer in writing or in electric form.

there are a number of inaccurate things reporting on my consumer report from them as they are violating 15 usc 1681s. they have a responsibility to make sure they are reporting accurate information to the credit reporting agencies and they have failed to do so.

the following items are inaccurate and are causing me damage and economic harm : First and Foremost what is the date of first delinquency? 15 usc 1681s-2 ( I ) ( 5 ) states you are to provide the date of first delinquency to the credit reporting agencies and they have not provided it to me. 

The date of last payment is not consistent with the the CRAs. Equifax is reporting XX/XX/XXXX and XXXX and XXXX are reporting XX/XX/XXXX. If this information is coming from you then it should be the same The date last active is not correct. Between the 3 credit reporting agencies they are all reporting something different. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX ( they illegally reaged this account. Equifax is reporting XX/XX/XXXX. This means this will not fall off the credit reporting agencies at the same time and there is no true statute of limitations XXXX and XXXX are saying this account is paid while equifax is saying it is derogatory These errors being reported on my credit report are artificailly damaging my XXXX Score and you can be held liable for Violations under the Fair Credit Reporting Act if you are non compliant in this investigation. Fines could be up to {$1000.00} per error or more subject to my state. 


If this issue is not resolved i will be taking XXXX XXXX to arbitration as i have the right to do so in our original credit card agreement for damages of the fair credit reporting act. i will be using the XXXX XXXX XXXX  on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The company XXXX XXXXXXXX XXXX has caused a number of problems on my consumer report. 

XXXX XXXXXXXX XXXX is in Violation of 15 usc 6802 a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now the proper notice is that the financial institution may not disclose nonpublic information to a nonaffiliated third party unless the financial institution clearly discloses to the consumer in writing or in electric form. 

there are a number of inaccurate things reporting on my consumer report from them as they are violating 15 usc 1681s. they have a responsibility to make sure they are reporting accurate information to the credit reporting agencies and they have failed to do so. 

the following items are inaccurate and are causing me damage and economic harm : First and Foremost what is the date of first delinquency? 15 usc 1681s-2 ( I ) ( 5 ) states you are to provide the date of first delinquency to the credit reporting agencies and they have not provided it to me. 

The date of last payment is not consistent with the the CRAs. XXXX is reporting XX/XX/XXXX and Experian and XXXX are reporting XX/XX/XXXX. If this information is coming from you then it should be the same The date last active is not correct. Between the 3 credit reporting agencies they are all reporting something different. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX ( they illegally reaged this account. XXXX is reporting XX/XX/XXXX. This means this will not fall off the credit reporting agencies at the same time and there is no true statute of limitations Experian and XXXX are saying this account is paid while XXXX is saying it is derogatory These errors being reported on my credit report are artificailly damaging my XXXX Score and you can be held liable for Violations under the Fair Credit Reporting Act if you are non compliant in this investigation. Fines could be up to {$1000.00} per error or more subject to my state. 


If this issue is not resolved i will be taking XXXX XXXX to arbitration as i have the right to do so in our original credit card agreement for damages of the fair credit reporting act. i will be using the XXXX XXXX XXXX on my behalf

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 2022-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: NJ

Complaint narrative:
15 U.S. Code 1681c2 - Block of information resulting from identity theft My identity was stolen and used in different unauthorized instances. This is another result of that same ill advised and unauthorized act of someone using my identity. This is unfortunate and should be treated as such.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hard inquiry letter XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Capital one Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquirieson my XXXX credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiriesthat I did not authorized and have been payed off. 
I writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I applied for a Capital one Venture X card on XX/XX/XXXX and was approved. The annual fee of {$390.00} was charged on XX/XX/XXXX which I paid promptly. The account was closed on XX/XX/XXXX, with no explanation from Capital one Bank. I tried calling and asking for a reason but none was given. Anyway, I am requesting a refund of a paid annual fee of {$390.00} which I believe I am entitled to. 

I am attaching the letter of account closure from Capital one Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Good day, I have reached out to all the companies I will be listing within this submitted complaint. I have tried on multiple occasions to have these companies remove all the inquiries that I did not authorize. 

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 Capital One Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: DE

Complaint narrative:
ALL XXXX AND XXXX XXXX ACCOUNTS ARE FRUAD AND NEED TO BE DELETED IMMEDIATELY THANK YOU FOR YOU HELP ACCOUNTS : XXXX XXXX XXXX ACCOUNTS : ALL 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 2022-10-04 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: DE

Complaint narrative:
ALL XXXX AND XXXX XXXX ACCOUNTS ARE FRUAD AND NEED TO BE DELETED IMMEDIATELY THANK YOU FOR YOU HELP ACCOUNTS : XXXX XXXX XXXX ACCOUNTS : ALL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: TX

Complaint narrative:
Global Lending Services repossessed the vehicle in XXXX of 2018 after trespassing on private property, I went to retrieve the vehicle and or my belongings out of the vehicle within one week and was told that I couldn't pay my past due balance to get the car back, that I was in breech of contract and that the vehicle would be sold at auction. Although I signed an agreement with them to extend the payment plan after loss of employment. XXXX did not let me retrieve anything that I had in the vehicle to include my childrens car seat and they sold the car at auction, recuperated the amount of the loan and still continue to report me late to the credit agencies every month. 

CEASE & DESIST REPORTING OF PAY STATUS ON MY BEHALF PURSUANT TO 15 USC1681B CONSUMER REPORTING IS VOLUNTARY AND I AM NOT VOLUNTEERING OR GIVE PERMISSION TO PROVIDE REPORTING OF ANY NEGATIVE ACCOUNT STATUS TO ANY CREDITOR, CRA, THIRD PARTIES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
To whom this may concern ; On XX/XX/2022, I made a cashier 's check deposit ( issued by the IRS for an income tax return ) in the amount of {$30000.00} to Huntington Bank. 

I entered the branch to open an account as a returning customer, and was told by the company that : a. I was in good standing with them, and there were no flags nor issues with getting a new account, and b. that I was guaranteed to have my money available by the next business day. I deposit said cashier 's check to my account with Huntington. 

On the same night of XX/XX/2022, I received an email from Huntington saying that a hold was placed on my deposit until XX/XX/2022. I was not informed by Huntington in any form or fashion, that a new account would hold my cashier 's check, nor that there were any flags nor issues upon the creation of the account, and/or initial process of the deposit. 
Over the course of the week between XX/XX/XXXX and XX/XX/XXXX, I have made multiple attempts to contact Huntington by branch and phone to find some resolution or understanding about what had happened. XX/XX/2022, I spoke to a Huntington customer service representative, who claims that my account was now going to be closed over an 'issue ' with a previous account ( i.e said previous account was closed by my request, after a multitude of faulty charges kept coming through, and I did not wish to have the account anymore. ) Huntington claimed that my account had been charged off, when in fact, I followed all steps to close the account myself, in perfectly good standing with the bank. I was then informed that I could not do anything about my situation, other than wait for my deposit hold to clear, so that I could enter a branch and withdraw my funds in time. 

Huntington essentially told me that I had to race against both the bank and time, to attempt to see my funds that I had entrusted them. XX/XX/XXXX, XXXX XXXX again contacted Huntington to attempt to collect my finances. Instead, I was told that my account was now marked for closure, and that I could enter a branch, but there would be nothing they could do for me. They continued on, stating flatly that I had to wait for a check to be sent to me by mail, and that I could not access my account in any form. 

I have no access to any of my funds or account, I have not performed anything fraudulent, my funds came directly and were verified from the IRS, I have lost my cashier 's check unfairly, and I feel that I have been both financially sleighted and lied to about the bank 's processes, by Huntington Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: FL

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 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 I don't recognize a bunch of hard inquiries on my report which I think is fraud. below is a list of hard inquiries I don't recognize Bank name : XXXX XXXXXXXX XXXX XXXX date : XXXX Bank name : XXXX XXXXXXXX XXXX Inquiry date : XXXX Bank name : XXXXL XXXX XXXX XXXX  Inquiry date : XXXX Bank name : XXXX XXXX Inquiry date : XXXX Bank name : XXXX XXXX Inquiry date : XXXX Bank name : XXXX XXXX XXXX XXXX Inquiry date : XXXX Bank name : XXXX XXXXL XXXX XXXX Inquiry date : XXXX Bank name : XXXX XXXX Inquiry date : XXXX Bank name : XXXX XXXX XXXX Inquiry date : XXXX Bank name : XXXX XXXX Inquiry date : XXXX Bank name : XXXX XXXX XXXX Inquiry date : XXXX Bank name : Inquiry date : 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 2022-10-04 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XX/XX/2022 I wrote the Experian and XXXX about reporting inaccurate information on my credit report that needed to be deleted from my credit report with no result from them then wrote them again on XX/XX/2022 stating that the following accounts were still reporting inaccurate and unverifiable information on my behalf. 
1. XXXX SELXXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX XXXX  Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX XXXX Account Number : XXXX 6. XXXX XXXX  Account Number : XXXX these accounts are damaging to my credit and credit profile. I've been denied housing do to these inaccuracies and need this to be rectified by being deleted it is only fair at this point.

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 2022-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Fraudulent Inquiries : XXXX. XXXX, XXXX Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, XXXX Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; TransUnion, written permission or my consent to furnish this information onto my credit report or consumer credit file. 

This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. 

Please delete these fraudulent inquiries immediately from any records that are on your system or validate these inquiries by providing me with copies of any documentation associated with these accounts bearing my signature and/or my written permission authorizing an inquiry, per Federal & State statutes. 

Furthermore, I also demand you, TransUnion produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611

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 2022-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: LA

Complaint narrative:
we are getting calls and documents in the mail from a collection agency trying to collect for a timeshare that we cancelled ... .we are no longer responsible for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 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: TN

Complaint narrative:
I am writing this because I am a victim of identity theft, and I am demanding that all inaccurate and incorrect information included on my Identity Theft Report and this complaint be removed. I submitted a complaint to the Federal Trade Commission already with no response. Based on my knowledge of the FCRA, 15 USC Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer information that resulted from an alleged identity theft, not later than 4 business days after the date. 

Because of this law, ExperianXXXX  and XXXX are currently in VIOLATION of this law and are required to delete all negative items detailed in this report and/or pertaining to a dispute via their portal. As a result of their negligence Ive since been denied for new lines of credit, services etc. This is a directly affecting me and costing me more money and time.

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 2022-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PNC Bank N.A.
State: GA

Complaint narrative:
My vehicle was repossessed, I paid the bank {$1700.00} for the lot XXXX  XXXX which was vended out from XXXX XXXX XXXX to return my vehicle, I have not been able to get in touch with these people to get my vehicle back and the bank refuse to give me my money back because supposedly this money is owed on the loan. I've missed five days from work with no pay and counting... I need my vehicle to get to work or my money back with loss of wages I also tried refinancing the vehicle with PNC Bank but was denied due to credit issues... Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 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: U.S. BANCORP
State: MI

Complaint narrative:
My husband and I have been calling since XXXX to get me removed as an authorized user and for US Bank. Each time we've called to get the authorized user removed, they have said that they have taken the steps to remove me so that it can begin to report as me not being an authorized user. After 2-3 weeks or so, we would call back and they would say that the previous representative was not doing it correctly and did not properly solve the problem. I am trying to get this information properly updated so that my credit report will be accurate. I have attached a screenshot of what is reflected and the last time that they reported accurate information to the credit bureaus.

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