vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
It has come to my attention that both Capital One and XXXX have been sharing my personal information with the credit reporting agencies without the express written consent. This information includes but is not limited to : transaction history ( late payments ), balance, and experiences. My credit cards are a matter of consumer law. 

Pursuant to 15 USC 1681a ( 2 ) ( i ) Exclusions report containing information solely as to transactions or experiences between the consumer and the person making the report.

Therefore, late payments and account balance SHOULD NOT appear on my consumer report.

Pursuant to 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

The privacy statements provided by both CapitalOne and XXXX states that my personal information can only be shared with the credit bureau and affiliates. Pursuant to 15 USC 1681a ( w ) The term Bureau means the Bureau of Consumer Financial Protection. In addition, pursuant to the U.S. Consumer Privacy Notice provided by CapitalOne, the term " Affiliates '' means Companies related by common ownership or control. Therefore, the privately held credit reporting agencies would be excluded from being able to use the above mentioned information on my consumer credit report without my express written consent. 

I have contacted both CapitalOne and XXXX to opt out of all data sharing with any and all third party nonaffiliates, including but not limited to XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
15 I S C  1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2023-02-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have found a dispute with Wells Fargo because from XX/XX/XXXX to XX/XX/2022 I was incarcerated, I have been a victim of fraud. Someone has opened accounts everywhere with my credentials. I keep trying to have Wells Fargo understand that I was in jail and that I was nowhere near this or that, I am responsible for it, I have a couple of claims with him one claim they found me not to be guilty and the other one they found guilty, which makes no sense, the open two accounts, one ending on XXXX and another one ending on XXXX. We should both fraudulent. 
The claim number is XXXX XXXX. 

I am attaching a copy of my police report and incarceration proof and also the letter I just got from Wells Fargo where I am being denied my dispute.

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 2023-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
I have them harassing me daily calling me at least 3 times a day. My loan was to be only for XXXX  months and they are now saying it's for XXXX mths. I have never received the original contract and they said it was not a contract .they keep saying it is a credit card it was a loan for dentures I got from XXXX XXXX in XXXX XXXX payments are to only be {$30.00}. A month .I paid XXXX XXXX {$290.00} in order to start this loan have proof. My loan is for only {$1300.00}. They say I am now {$890.00} late with {$150.00}. Late charges I pay every month with a money order first of each month. My legal advisor and I called them in person on XXXX. Talked to 3 different people for 2 hours. I told them I have sent Comenity capital bank almost 10 letters for the last 2 years with my monthly payment of {$42.00}. XX/XX/XXXX. I have paid {$1400.00} .started payments XXXX of XXXX. And yet they are saying my payments are late. The amount of my payments keep changing from them. I have never once have been sent a monthly bill from them as well. I was told to keep paying them now by phone on The XXXX of each month until the have received my form as to disputing this and default. Yet it has been 3 weeks I still have not been sent a form to send them.i have copies of each time I paid them every month and they are also saying they never get the money orders or they are due on the XXXX XXXX. But when I applied for the loan is was to be due by XXXX of each month yet when we spoke to the lady on the phone she said it was due each month on The XXXX XXXX. And saying I now owe {$54.00} late fees as well. I was not to have interests charges as long as it was paid in full .yet they say now I do have them and I still owe {$980.00}. Or {$960.00}? They are not for sure. Still when I have paid them {$1400.00} plus XX/XX/XXXX I called and paid {$40.00}. For XXXX payment. It should be paid off with no balance. I am not late .never have been and have proof of every receipt since XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-12 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: CA

Complaint narrative:
On XX/XX/23 at XXXX XXXX XXXXXXXX, I was notified that my Experian account email had changed. Once I got back into my account, I noticed that someone other than me had changed my e-mail address. I also want to note how extremely easy it is to hack into my Experian account and I found out that this is a known issue. When further looking into my credit report, I noted that on XX/XX/23, XXXX XXXX company had a hard inquiry on my account. I tried to reach out to XXXX XXXX with the number provided on my credit report, and all I got was an answering machine noise. I also tried to reach out to Experian to dispute my inquiry, but they are not open on the weekend and I didn't want to wait to file a report and I wanted it documented that I tried to resolve this issue the same day. I have just frozen my account again but I was unfrozen at the time because we had a loan going through.

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 2023-02-12 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
From the year of XXXX 2020 I lost hours and my apartment would t work with me I owe XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the following accounts : XXXX XXXX XXXX XXXX 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 2023-02-12 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: GA

Complaint narrative:
The collection Agency is listed below. In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX XXXX XXXX!! **** has violated my rights. By Federal the FCRA they have the verify and provide 100 % proof validation. 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. 11115 U.S.C. 1681 s-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.

This is the very first time see this falsely inaccurate information, I never receive anything documents from this company. They sent the proof of that, That I did not receive this certified mailing from them. But first thing first, That's not my signature on those documents and my name is spelled wrong.The second thing They are crazy enough to send these falsified and inaccurate document to your company. If you look very very closely you will notice that lot of things is very wrong. They sent to your company ( CFPB ) they sent the same document to your company twice one with their signature on it with no date and the same document with my miss spelled name and no date. It looks like to me someone trying to use some kind of pdf software or something.

They did add some kind of date Though. it's Out of place. The third thing is that they sent to your company that the account was created or open on XXXX XXXX, ,but at the same time telling the Credit Bureau the account was open on XX/XX/2020 Do you see what's wrong with this picture? That they are intentionally sending Factified information to your Company and the Credit Bureaus Mainly Trans Union. The fourth thing Trans Union sent me a letter in the mail saying that information was verified., but never send me anything show me that it was 100 % proof that it was verified. no documents at all ... .. discrepancies in information. they know that if any wrong information is on any ones credit report it had to be remove or corrected. It seems to me at the Credit Bureau don't care is the information is accurate or not as long as they get paid.

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 2023-02-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I did not request for my account to be closed with XXXX. Prior to the closure I had 100 % of on time payments. Now I am behind. I am currently not working at the moment and would not want this to affect my overall credit score. 

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, section 2 : it 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 under an open and consumer credit fine as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: TX

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 account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on the credit card account under an open and 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 2023-02-12 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: EQUIFAX, INC.
State: UT

Complaint narrative:
Please see attached. I got this recently from Equifax. I have no clue what they are referring to as they've dealt with my account before. The address is listed in their system therefore there shouldn't be any issues. I'm refusing to submit any additional information to them. I have no idea what this is even in reference to. If they're trying to stall or delay that will only add to the law suit I'm building up to against them. They need to explain why this was sent to me. I think they're trying to stall any efforts of my getting them to fix ANY mistakes they knowingly and willingly created! We all know they work for corporations not consumers, therefore they frequently make mistakes, refuse to correct them, lie about my disputes, extend the dates of last contact to prevent removal of an item in a timely manner and try to give creditors the impression I'm " cleaning '' up my credit. Basically I am but not for the reasons they lie about. They made mistakes and I want them corrected. I am not asking too much but I will if I am forced to go to court. Their choice, they either explain this garbage they sent or do what I asked them to do in the first place - fix the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX FINANCIAL, NCCINC/ATLANTA LUXURY MO, XXXX XXXX XXXX XXXX XXXX XXXX DEALER SERVICES, CITIZENS XXXX AUTO FINANCE, TRUIST DEALER SERVICES, ASSOCIATED CREDIT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
They verified the account but never addressed the illegal and unlawful activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received an email earlier in XXXX that my credit card was closed. I called Capital one and they stated that a communication was sent to me via app on XX/XX/2022 that i have to use the card within the 90 days or my account willbr closed. I accessed the app on Capital one while the agent is on the phone with me and i didnt see any record on the app. The app is empty and it states that i dont have any documents. My account was closed without any communication from them. Very unprofessional and they dont have any policies set in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I paid off my XXXX XXXX auto loan in XX/XX/XXXX. 
This event caused my XXXX FICO score to go down XXXX points. My Experian FICO score to go down XXXX points. My Transunion FICO score to go down XXXX points. 
How long will Fair Issac Company be allowed sell a product that is unexplained, unbelievable, contrary to common sense, and damaging to ALL Americans. 
XXXX, XXXX, and Transunion are all partners in this fraud. 
Please use your authority to fix this XXXX on the country.

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 2023-02-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I paid off my XXXX XXXX  auto loan in XX/XX/XXXX. 
This event caused my Equifax FICO score to go down XXXX XXXX. My XXXX  FICO score to go down XXXX XXXX. My XXXX FICO score to go down XXXX XXXX. 
How long will Fair Issac Company be allowed sell a product that is unexplained, unbelievable, contrary to common sense, and damaging to ALL Americans. 
Equifax, XXXX, and XXXX are all partners in this fraud. 
Please use your authority to fix this XXXX on the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I paid off my XXXX financial auto loan in XX/XX/XXXX. 
This event caused my XXXX FICO score to go down XXXX points. My Experian FICO score to go down XXXX points. My XXXX FICO score to go down XXXX points. 
How long will Fair Issac Company be allowed sell a product that is unexplained, unbelievable, contrary to common sense, and damaging to ALL Americans. 
XXXX, Experian, and XXXX are all partners in this fraud. 
Please use your authority to fix this XXXX on the country.

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