vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 of all accounts 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 of the original consumer contract with my signature on it that, you have on file on the accounts listed below, your failure to positively verify these accounts have hurt my ability to obtain credit. Under the FCRA unverified accounts must be removed and if you are unable to provide a copy of verifiable proof you must remove accountsAccount Name Account Number Balance Monthly Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I was told once I pay in full that yall would remove and delete off all XXXX credit bureaus and I see yall didnt keep yall word but I paid and yall closed the account as paid and closed but yall didnt delete the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting 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: NM

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

15 U.S.C 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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have twice now disputed an account from XXXX XXXX XXXX. The account number they list is : XXXX They are reporting the address of the person where the debt was incurred as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have never lived at that address.

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have attempted twice to get addresses that are inaccurate and NOT MINE off of my Experian credit report. They refuse to delete and keep updating the information. I have provided my driver 's license as proof of address.

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I pulled my consumer report and notice a few unfamiliar items. I ask that these items are removed from profile immediately. Accounts are as follow 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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I pulled my consumer report and notice a few unfamiliar items. I ask that these items are removed from profile immediately. Accounts are as follow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I pulled my consumer report and notice a few unfamiliar items. I ask that these items are removed from profile immediately. Accounts are as follow : 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 explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Last month I used XXXX XXXX at Capital One to pay my XXXX XXXX XXXX. The total I wanted to pay was {$210000.00}. This was a payment for my husband and my retirement trip. I could not make it in XXXX lump some. I paid XXXX to be delivered by XXXX XXXXXXXX XXXX XXXX by XXXX XXXX, and XXXX by XXXX XXXX XXXX. The XXXX was taken out on XXXX and delivered to XXXX XXXX by XXXX. XXXX XXXX confirmed this. XXXX was taken out on the the XXXX and XXXX and said delivered on the XXXX and XXXX. XXXX XXXX did not get this payment. When I called Capital One they said because of the weekend and XXXX XXXX XXXX it was probably running a little late. I did not understand this. Yesterday I went into Capital One and was told that XXXX XXXX XXXX have these payments. When they checked further they found it was a paper check that was sent by mail and would take 4 to 5 business days. It told them that is not what I was told or how the other payment of XXXX was done. When they call to get a negotiation of funds letter that person told them it might take 7 to 10 days to get he funds. I transferred the money to them back in XXXX and allowed 7 to 10 days for it to clear. They had it cleared and sent. The bank person at the XXXX XXXX in XXXX XXXX - XXXX told me they would pay up to {$100.00} if it was a problem with them. My fees will be a lot more than that with XXXX XXXX. I feel that I have been misled and they are using my money incorrectly. If I had wanted to put my check in the mail I would have done that. Since I have had checks stolen from the mail I do not do that. If I send anything I use XXXX XXXX so it can be traced and I do it overnight. There is no reason Capital One should do this and their employees didn't know what was going on. If I stop payment on the check that will take at least 3 days and my bill will be delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Why do you keep on closing my complaints?! I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I have a disputed debt with Affirm. I have sent them poof from the seller that the items were returned and credited yet Affirm refuses to acknowledge that. Their calls, texts and emails were so frequent that I told the. To stop contacting me but they have continued. I paid over and over each month and they are refusing to refund the amounts that I am owed nor stop hassling me. Now they are threatening to turn the accounts over to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have no association to these accounts origination or use. I never authorized these accounts opening. But these accounts are on my credit report and has been affecting my score.

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 2023-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: MN

Complaint narrative:
I was on planet home lendings deferment program. I signed paperwork for a deferment period XX/XX/2023 through XX/XX/2023 with XXXX payment due XX/XX/2023. 
I called in to make the payment early ( in XXXX ) When I called I told the lady on the phone this is my first payment that is due on XX/XX/XXXX. She took the payment and nothing was said. 

I later found out that they applied it to a XXXX payment that was supposedly due. I was NEVER told of a XXXX payment due, the woman on the phone did not say anything about it. If i actually had a XXXX payment due why was the deferment period not XXXX through XXXX? Also, If I would have just waited and made the payment on XX/XX/XXXX nothing ever would have been said about a XXXX payment. 

My money was miss applied and I need it re applied to XXXX. 

I have gotten no where with the company. They will not take any responsibility for miss applying my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 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 2023-10-12 00:00:00
Product: Credit reporting 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:
XXXX is obligated by the FCRA to report accurate accounting, consumer has advised all the inquiries report it was fraud said company had four days according to law to remove such items. FTC fraud was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer XXXX has 15 days to provide me with the name of the person spoken to, documentation use, signed application with consumer wedding signature, consumer is not asking for an XXXX XXXX report. If XXXX does not have documentation to show these were in fact authorize it must be removed ASAP. XXXX company is liable under the SEC to follow certain rules. XXXX commission valid number. XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. I will be filing form XXXX treasury OMB forms to audit consumers account XXXX is secure enticing consumers data yet refuse to provide consumer copy of their consumer file not consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: TX

Complaint narrative:
XXXX is obligated by the FCRA to report accurate accounting, consumer has advised all the inquiries report it was fraud said company had four days according to law to remove such items. FTC fraud was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer XXXX has 15 days to provide me with the name of the person spoken to, documentation use, signed application with consumer wedding signature, consumer is not asking for an XXXX XXXX report. If XXXX does not have documentation to show these were in fact authorize it must be removed ASAP. Said company is liable under the SEC to follow certain rules. XXXX commission valid number. XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  , XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX , XXXX , NC XXXX. I will be filing form XXXX treasury OMB forms to audit consumers account XXXX is secure enticing consumers data yet refuse to provide consumer copy of their consumer file not consumer 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 explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-12 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 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 2023-10-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MD

Complaint narrative:
I have attempted to contact this company in regard to this debt not being accurate. They have attempted to collect on this debt fraudulently when another debt collection agency had already had the debt. They opened this account and the debt was paid to the original debt collection agency, Hunter warfield. This company that is attempting to collect the inaccurate debt is claiming my account has been transferred to a lawyers office, and they will sue me if payment is not made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These accounts have incorrect information with late payments, please verify XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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