vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Personal information incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I tried apply for a car loan one day then out of no where I look at the credit report that they give me and I see that Oportun was on there even though I never got approved for a loan with them and it started affecting my credit with late payments when I wasnt even aware of this problem. I never received any type of money from them or anything and I did not sign any paperwork for that loan

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09 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: NJ

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. 

Account names and # 's below, has violated my rights : XXXX XXXX XXXX  XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX REF : XXXX XXXX  XXXX BANKRUPTCY XXXX XXXX XXXX XXXXXXXX XXXX XXXX The account names and # 's above 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: FL

Complaint narrative:
I am also requesting a copy of my updated credit report. I have the right to contest any information on my credit report that I believe is inaccurate. So, I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with XXXX XXXX regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and XXXX XXXX standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, XXXX requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report. These allegations appear to be false. Please provide evidence for each claim. If any of these claims are not true, please delete them immediately. I am also requesting a copy of my updated 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
Consumer complaint received 2022-12-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: IL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1.XXXX  XXXX # XXXX 2. 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 2022-12-10 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: OR

Complaint narrative:
In accordance with the fair credit Reporting Act, bureaus have 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 my 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 late for 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 2022-12-10 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: OR

Complaint narrative:
In accordance with the fair credit Reporting Act, bureaus have 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 my 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 late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: FL

Complaint narrative:
Since XXXX 2022 its has been reported on consumer report that I owed a balance of {$820.00} to XXXX XXXX. However after filing a complaint with the XXXX XXXX XXXX ( XXXX # XXXX ) on XXXX/XXXX/2022. I was made aware on XXXX/XXXX/2022 in a response to complaint ( Case # XXXX ) that XXXX XXXX no longer owns this debt and has sold it XXXX XXXX. Thus proving the validation by the XXXX credit bureaus to be inaccurate. For XXXX months the XXXX credit bureaus have reported inaccurate information on my consumer report even after disputing this account. 

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the balance is inaccurate, the balance updated, and the account type reported is not accurate. This ground for removal. Delete this account immediately! 

They also violated the law because according to 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: PA

Complaint narrative:
Hi, My name is XXXX XXXX, the following items I have attached are items in my report that I need deleted. 
I am a victim of identity theft and did not make nor authorized these charges. I ask that the items be deleted to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as they are preventing me from being able to purchase my home Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lake City Credit
State: PA

Complaint narrative:
On XXXX XX/XX/2022 at XXXX XXXX XXXX, I received a telephone cal from Lake City Credit in XXXX, TX regarding an unpaid debt for a XXXX XXXX card that I held over 10 years ago, which remained unpaid. I have never received any kind of debt verification from either this collector, or from XXXX. I have asked Lake City Credit to send me verification of this debt. I no longer have any documentation of regarding this XXXX credit account. I held this account over 10 years ago. After speaking to the Representatives from Lake City, I did a search on XXXX regarding this firm, which was given the grade of F by the XXXX XXXX XXXX. I gave the rep my current address, since I requested written verification of the debt, sent by U. S. Mail, which they were reluctant to provide. They were advising me to contact XXXX for that verification from their archives. I contacted XXXX, and even though I never paid off the debt, they no longer had any information on that account, especially since the account was closed over 10 years ago. I then spoke to my attorney regarding the statute of limitation on collecting an old debt. According to him, this statute varies by state. 

When I initially applied for this card, XXXX had their credit card operations in North Dakota. According to information I found on XXXX, North Dakota 's statute of limitation on debt collection is 6 years. 

With the information I was able to gather, I am convinced that I was targeted again by a scammer. Once I have written verification, I will add additional from Lake City regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
You are Violating the FCRA Pursuant 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience between the CONSUMER and PERSON making the report is not included on the consumer reports!! Delete ALL Late Payments on my Consumer Report. Specifically, this account with, CAP ONE AUTO, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX you reported that my transaction was 30 and 60 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
On XX/XX/XXXX I received a letter from this company in regard to a debt owed. I sent a copy of a written dispute and request for verification on XX/XX/XXXX and also contacted the company via phone to report the dispute. They explained they would note the account in dispute. I again contact them Mutiple times asking for a status of the dispute and was told they had not received the letter. Again on XX/XX/XXXX I sent a 2nd Dispute and request for written validation. I followed up again with multiple calls stating the dispute was noted and they were waiting on the letter. On XX/XX/XXXX the account was reported to the credit bureau, does not report as in dispute. Most importantly I still have not received my written demand under the requirements of the FDCPA. I believe this debt is invalid and in unable to be verified. I also believe this company has failed to follow the FDCPA and has not provided the validation as requested. Both written letters are attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: IL

Complaint narrative:
XXXX XXXX  XXXX is illegally showing on my credit report as an Alleged Debt. This account is fraud and has been wrote off as bad debt by the issuer. This credit account is NOW a INCOME. INCOME IS NOT SUPPOSE TO SHOW ON MY CONSUMER ACCOUNT. THIS IS A {$1000.00} VIOLATION and I will pursuit litigation if this account is not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: STERLING JEWELERS, INC.
State: AZ

Complaint narrative:
Got a letter saying I was sued and wages are going to be garnished

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/19, paid off our HELOC and I have requested multiple times via phone calls to get my final statements as the online statements are no longer available. I have stated that this should be considered a customer complaint, as I have called more than 3 times to follow up on this matter. The individuals place me on hold and never return and I then get disconnected. No follow up only false commitments and no acknowledgment that anyone has logged a customer complaint related to this lack of service. The financial institution is US Bank. I followed up on matters again today ( XXXX ) and was told the information was mailed XXXX days ago. I will give it a couple days and see if the statements arrive so that I can prepare a reconciliation and show there was an overpayment. Very poor customer service!!!! Poorly trained personnel and no understanding of a complaint process.

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 2022-12-09 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, [ 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: NJ

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. 

Account names and # 's below, has violated my rights : XXXX XXXX XXXX  XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXXXXX RXXXX XXXX XXXX XXXX XXXX BANKRUPTCY XXXX XXXX XXXX  XXXX XXXX XXXX The account names and # 's above 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 non-monetary relief
Consumer complaint received 2022-12-09 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: NJ

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. 

Account names and # 's below, has violated my rights : XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account names and # 's above 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 2022-12-09 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: FL

Complaint narrative:
Since XX/XX/2022 its has been reported on consumer report that I owed a balance of {$820.00} to XXXX XXXX. However after filing a complaint with the XXXX XXXX XXXX ( XXXX # XXXX ) on XX/XX/2022. I was made aware on XX/XX/2022 in a response to complaint ( Case # XXXX ) that XXXX XXXX no longer owns this debt and has sold it XXXX XXXX. Thus proving the validation by the three credit bureaus to be inaccurate. For 3 months the 3 credit bureaus have reported inaccurate information on my consumer report even after disputing this account. 

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the balance is inaccurate, the balance updated, and the account type reported is not accurate. This ground for removal. Delete this account immediately! 

They also violated the law because according to 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

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