vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-11 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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:
The attached account were created without my knowledge and i would like them to be permanently 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 explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which predates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 non-monetary relief
Consumer complaint received 2022-12-11 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 I have below have also been attached in my letters and FTC Report, have violated privacy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which predates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXXXXXX XXXX XXXX, a fraudulent charge totaling {$350.00} from XXXX was made against my CapitalOne XXXX XXXX credit card. I had made another purchase from XXXX on that date, but this additional charge was never invoiced and not authorized. I contacted XXXX over the phone for a refund, and they said they would provide it within seven to ten days. That did not happen, so I proceeded to dispute the charge with Capital One. 

On XXXX XXXX, Capital One informed me that I needed to provide additional information. I submitted a fax on that very day with the required information. I then received another notice that I needed to submit further information. I submitted another fax with the information they had requested. I have attached their letters and my responses to this message. 

On XXXX XXXX, I got a message saying that my claim could not be validated. It is logically impossible for me to provide any proof other than my testimony that I received a fraudulent charge -- I can not describe goods or services that I never ordered. I have done my due diligence and contacted the merchant prior to filing a dispute, and Capital One is not honoring their part of the deal. And this is not the first time this has happened to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The attached account were created without my knowledge and i would like them to be permanently 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 2022-12-11 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: TX

Complaint narrative:
The attached account were created without my knowledge and i would like them to be permanently deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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 I have below have also been attached in my letters and FTC Report, have violated privacy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which predates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
15 UCS 1681 SECTION 602 states, I XXXX XXXX, have a basic right of citizenship secured by the Privileges and Immunities Clause of the Fourteenth Amendment to the United States Constitution and she is a protected member of the XXXX XXXX and XXXX XXXX, who enjoys the status of being a XXXX, which implies that her XXXX and protected liberty interests and rights which she has a legitimate claim of entitlement to are recognized, therefore, she retains, invokes and demands enforcement of her federal and statutory constitutional rights ), particularly her Right to Privacy, Right to Due Process and Right to Equal Protection of the Law. She alleges that each and every entity, company, corporation, organization or establishment listed on her credit report have abridged, deprived, denied, XXXX, hindered, impaired, impinged, infringed upon, invaded, restricted, suppressed, and violated her Right to Privacy ( the Constitution of the State of Florida, Article 1 Section 23 ) which is protected in the Fourth Amendment to the United States Constitution, the Right to Due Process ( the Constitution of the State of Florida, Article 1 Section 9 ) and the Right to Equal Protection of the Law ( the Constitution of the State of Florida, Article 1 Section 2 ) and they're both protected in the Fourteenth Amendment to the United States Constitution as well as vested and protected non-trivial liberty interests in freedom from bodily injury ( including shock, fright, mental anguish, and humiliation which were clearly established or securely set and easily recognizable at the time of the incidents that any reasonably objective person of ordinary prudence, care, and caution would have known.

15 USC 1681 Section 606 A Section 2 states, " A consumer reporting agency can not furnish an account without my written instructions '', and I have never willingly, knowingly, and voluntarily provided any entity, company, corporation, organization or establishment with the required or necessary documentation giving any kind of instruction or contains my authorization and approval.

Furthermore, for accounts pertaining to credit cards 15 USC 1666B states, " A Creditor may not treat a credit card account under an opened consumer credit plan as late for that 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 2022-12-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: CT

Complaint narrative:
On XX/XX/2021, Discover Financial Services asked to provide a proof of identification on my credit card account and I uploaded a form signed by an notarized bank officer but still they closed my account without any further notification or warning and I'm trying to get the reason for that from past year. I even mailed them but they are not giving me the clear explanation. I then further sent them a mail aswell however the reply was a computrized one stating the account has been closed and no reason was provided again. Because of that my credit score got hit by XXXX points. It is creating problems for me as I'm an international personnel and with this initial issue my history is being impacted which will create hindrances for me in long term.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX received a alert from chase Bank about a address change on my credit report. When I looked there are 3 addresses on my report. The one in XXXX  and XXXX are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts and inquiries 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 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 has violated my rights 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.

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 2022-12-11 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: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX I purchased a XXXX not knowing I was getting myself into a loan it was my first car and I paid XXXX down at first he told me i would pay XXXX and the rest payments but I never knew I was getting myself into a loan I thought the payments were going to be made to the dealership. He made me sign a lot of papers I didnt even know. He told me the car was also good and everything was okay but it had a lot of problems I told him about him and he kept saying everything was fine with the car had it for at least 7 months and around XXXX the car got stolen from me and its been 6 months and still no news From it. My complain is that I had no idea I wasnt suppose to put a down payment because the total of the car was XXXX and I still owe XXXX XXXX on the loan after I paid all the payments and down payment. I havent paid the car because it got stolen the loan is called lobel financial and the dealership XXXX XXXX XXXX XXXX  XXXX tx

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act the List of account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Inaccurate/Fraud Account ( Not mines ) Account name : XXXX XXXX XXXX : Credit Collection Services 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes antedates

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11 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: FL

Complaint narrative:
I have been a victim of identity theft fraud which led to my credit information being compromised. The proper steps were taken for the fraud related items to be removed from all credit bureaus. XXXX and XXXX has both complied with the removal of the 2 following accounts. XXXX XXXX XXXX opened on XX/XX/XXXX ( {$8500.00} Balance ) XXXX XXXX XXXXXXXX XXXX  opened XX/XX/XXXX ( {$26000.00} Balance ) Experian Credit Bureau has yet to remove these 2 accounts, they are still being reported and updated monthly by Experian. XXXX and XXXX has already removed the accounts and no longer reports.

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 2022-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ MI ] [ XXXX ] SSN : XXXX XXXX XXXX XXXX DOB : XXXX XXXX XXXX [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX Account Number : XXXX Reason : [ 7 POTENTIALLY NEGATIVE MONTHS NEED DELETED & ACCOUNT ASAP PLEASE ALSO TRYING TO BUY A HOME. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, [ 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 2022-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
RE ; CASE NO. XXXX ( XXXX XXXX deals } ( {$1600.00} ) I am writing to inform CFPB that Capital one bank has added back the disputed fraudulent double charge of {$1600.00} by XXXX XXXX XXXX, which was initially removed, back to my credit card. ( documents enclosed. ). Also, Capital one bank has refused to credit my account for the amount of {$910.00} that I have already paid to my credit card to bring my credit card balance to {$730.00} ; instead of the current balance of {$2900.00}.

Company response to consumer: Closed with explanation