vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-02 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have accounts older than XXXX paid charge off still showing late, closed accounts showing late. My personal information is to many times asked them to remove multiple addresses and spelling. Credit usage percentage is to high, they don't monitor the credit usage correctly all these mistakes make it difficult for me to live purchase things needed as a consumer to survive in an ever growing and changing economy. I need my report cleaned old accounts removed closed accounts late payments credit usage percentage corrected please help me. Thankyou

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is violating my FCRA rights by reporting and sharing incomplete, inaccurate and invalidated information on my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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:
I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02 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: AR

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX account appeared on my credit report after the XXXX date breach. I believe it's a fraudulent account. XXXX XXXX XX/XX/XXXX XXXX open date. I have no knowledge of this account although they seem to think I do. I'm not paying for a debit that's no mine.XXXX XXXX XXXXXXXX. I have no knowledge of this account and not sure how it got opened cause I didn't do it. XXXX XXXX XXXX account is not mine and I have no knowledge of this account. Found out about it reviewing my credit report after the XXXX data breach. XXXX is displaying incorrect information about open and last active dates and incorrect payment history. XXXX  XXXX is reporting incorrect information account comes back verified even though the open date and last active dates are wrong. XXXX  XXXX last active is wrong, months reviewed are wrong and incomplete payment history. XXXX XXXX XXXX last active date is incorrect. Months reviewed are inaccurate. And impcomplete payment historyXXXX XXXX XXXX incorrect last active date and I have no knowledge about this account and did not open this account. XXXX XXXX  inaccurate information. Last active date is wrong.XXXX XXXXXXXX last active date and open date are wrong. This is not my account.XXXX  data breach XXXX XXXX XXXXXXXX inaccurate open and last actives are incorrect with incomplete payment history. XXXX XXXX XXXX open date is wrong last active date is wrong, payment history incomplete. All these accounts list are either not mine or incomplete or inaccurate to the best of my knowledge these accounts are products of a credit breach through XXXX. Please remove all accounts for reasons I have listed above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02 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: AR

Complaint narrative:
XXXX XXXX XXXX  XXXX account appeared on my credit report after the XXXX date breach. I believe it's a fraudulent account. XXXX XXXX XX/XX/XXXX XXXX open date. I have no knowledge of this account although they seem to think I do. I'm not paying for a debit that's no mine.XXXX XXXX XXXXXXXX. I have no knowledge of this account and not sure how it got opened cause I didn't do it. XXXX XXXX XXXX account is not mine and I have no knowledge of this account. Found out about it reviewing my credit report after the XXXX data breach. XXXX is displaying incorrect information about open and last active dates and incorrect payment history. XXXX  XXXX is reporting incorrect information account comes back verified even though the open date and last active dates are wrong. XXXX  XXXX last active is wrong, months reviewed are wrong and incomplete payment history. XXXX XXXX XXXX last active date is incorrect. Months reviewed are inaccurate. And impcomplete payment history.XXXX XXXX XXXX incorrect last active date and I have no knowledge about this account and did not open this account. XXXX XXXX  inaccurate information. Last active date is wrongXXXX XXXXXXXX last active date and open date are wrong. This is not my account.XXXX  data breach XXXX XXXX  XXXX inaccurate open and last actives are incorrect with incomplete payment history. XXXX XXXX XXXX open date is wrong last active date is wrong, payment history incomplete. All these accounts list are either not mine or incomplete or inaccurate to the best of my knowledge these accounts are products of a credit breach through XXXX. Please remove all accounts for reasons I have listed above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX, XXXX, Transunion, XXXX XXXX XXXX has violated my rights. 
Transunion is reporting a collection agency XXXX XXXX who has breach the statute of Limitation of 3 years. XXXX is reporting XXXX XXXX XXXX charge off accounts which is a violation of 15 USC 1681 E and 15 USC 1666 Correction of Billing Errors. 
Also, XXXX is reporting both XXXX XXXX XXXX Accounts charge off accounts and the collection agency portfolio recovery. I have requested all consumer reporting agencies to remove these accounts and they have refused. 
15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. 
15 USC 1681 E Compliance Procedures states for a consumer reporting agency ( CRA ) to assure maximum possible accuracy in its credit reports.

15 USC 1666 Correction of Billing Errors states A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
Mississippi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states that limitations to collect a debt is 3 years. XXXX XXXX has passed the statue of limitations to collect the debt. The statue started with XXXX with the date of XX/XX/2018 and refuse to show me a bill of rights sale. Then XXXX XXXX changed the dates to collect and has not validated the debt. These companies has refused to remove these accounts from the last 2 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
Last date was XX/XX/2021, the amount was for {$16000.00} and I have filed 2 disputes with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: AR

Complaint narrative:
XXXX XXXX XXXX  XXXX account appeared on my credit report after the equifax date breach. I believe it's a fraudulent account. XXXX XXXX XX/XX/XXXX XXXX open date. I have no knowledge of this account although they seem to think I do. I'm not paying for a debit that's no mine.XXXX XXXX XXXXXXXX. I have no knowledge of this account and not sure how it got opened cause I didn't do it. XXXX XXXX XXXX account is not mine and I have no knowledge of this account. Found out about it reviewing my credit report after the equifax data breach. XXXX is displaying incorrect information about open and last active dates and incorrect payment history. XXXX XXXX is reporting incorrect information account comes back verified even though the open date and last active dates are wrong. XXXX  XXXX last active is wrong, months reviewed are wrong and incomplete payment history. XXXX XXXX XXXX last active date is incorrect. Months reviewed are inaccurate. And impcomplete payment history.XXXX XXXX XXXX incorrect last active date and I have no knowledge about this account and did not open this account. XXXX XXXX  inaccurate information. Last active date is wrong.XXXX  XXXX last active date and open date are wrong. This is not my account.equifax data breach .XXXX XXXX  XXXX inaccurate open and last actives are incorrect with incomplete payment history. XXXX XXXX XXXX open date is wrong last active date is wrong, payment history incomplete. All these accounts list are either not mine or incomplete or inaccurate to the best of my knowledge these accounts are products of a credit breach through equifax. Please remove all accounts for reasons I have listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: TX

Complaint narrative:
On XX/XX/XXXX I called Capital One with questions about the two interest rates shown on my bill for the last couple of months. In typical Capital One customer service fashion, nobody I spoke with could answer the questions I had about the extra interest rate charged labeled " Interest Charge : XXXX XXXX. '' On or around XX/XX/XXXX, I did take a {$1900.00} XXXX XXXX after a financial emergency -- my paycheck had yet to reach my checking account and the rent was due. On or around XX/XX/XXXX, my account showed a " XXXX XXXX fee '' of {$57.00} On or around XX/XX/XXXX, there was another " XXXX XXXX Fee '' of {$22.00}. Again, on or around XXXX a " XXXX XXXX Fee " of {$48.00}. The latest " XXXX XXXX  Fee '' is on or around XX/XX/XXXX for {$49.00} This is outrageous and simply screws customers over after a financial emergency. I have made more than enough payments to reduce significantly reduce the " XXXX XXXX XXXX '' if not wipe it out completely. Again, I have tried twice to get answers from Capital One customer service to no avail. The last was on XXXX XXXX, when I spoke with a supervisor named a XXXX XXXX correct spelling, I asked him to spell it ) who basically said he can not give me an answer to my question. He tried, but could not answer follow up questions I had. 
I always pay well beyond the minimum payment each month. Since XX/XX/XXXX, I have made the following payments : XXXX XXXX, {$60.00}. 
XXXX XXXX, {$200.00}. 
XXXX XXXX, {$140.00}. 
XXXX XXXX, {$1500.00} ( two payments combined ) XXXX XXXX {$210.00} When I spoke to XXXX he said I haven't even paid off the interest on the transaction. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CAPITAL ONE AUTO FINANCE REPORTED ON MY ACCOUNT AND TO CREDIT REPORTING AGENCIES ON XX/XX/2021 THAT I WAS PAST DUE 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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: PA

Complaint narrative:
According to 15 usc 1681s-2 ( a ) ( 1 ) ( a ) it states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows it has any reason to believe the information is inaccurate. Experian is reporting this account as a charge off. By law a charge off is considered income ; Therefore income is not supposed to be be reported on a consumer report. This is invading privacy. Experian Remove this account listed under XXXX XXXX XXXX immediately. I am demanding you to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02 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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02 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:
XXXX XXXX  REPORTED LATE PAYMENTS ON ACCOUNT : XX/XX/2016 ( PAST DUE 30 DAYS ) XX/XX/2016 ( PAST DUE 30 DAYS ) XX/XX/2016 ( PAST DUE 60 DAYS ) XX/XX/2016 ( PAST DUE 90 DAYS )

Company response to consumer: Closed with explanation