vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diverse Funding Associates LLC
State: WA

Complaint narrative:
DNF Associates placed a collection account, for the original creditor of XXXX XXXX XXXX, on my credit reports on or around XX/XX/2023, in the amount of {$5600.00}. Prior to this item being placed on my credit report, I had not received any contact from DNF Associates -- no phone call, no postal mail message, no email, nothing. In short, I was not made aware of this debt by DNF Associates as required by the FDCPA and FCRA. DNF Associates did not ever provide me with a notification of this debt, a debt validation letter, nor an opportunity to dispute this debt, as is required by law of DNF Associates. If DNF Associates has proof that they attempted to contact me and have sent me all required notifications and opportunities to dispute this debt, I welcome them to supply it in their response to your office. DNF Associates is also not a licensed debt collector in Washington state, as is required of them to collect debts from Washington state residents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

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

Account name : 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 2023-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
My car is in repossession status and a government entity is trying to consider helping me to make the payment since Im a student in the WOIA program through the TWC. 

American Credit Acceptance is denying me access to information about my account and denying the Texas Workforce Commission the letter that they need about my repossession as well as any account information to try and get it out of repossession status. 

Theyre denying me the right to get any information to try and get the car paid current and out of repossession status. 

Please intervene so that I can try to get this resolved. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TriPoint Lending, LLC
State: CA

Complaint narrative:
I applied for debt consolidation loan but they denied it instead they put me in structured loan payment. They discussed to me whats only is good like my monthly payment will be lowered and i will only have 1 monthly payment since the existing loans will be paid off. And they also advised me to stop all my automatic payments right away. 
In their email they said someone will call me to discuss the welcome packet bug nobody called me to discuss it. There was only a lady who called me to set an appointment. 
But then they already charged my bank account of {$270.00} without discussing anything. 
One of my lenders called me and following up about my monthly payment since I already canceled my automatic payment. And they said that nobody from Alleviate contacted them. And if I cancel my automatic payment and will not pay, they will charge me late fees. And Instead, they were the one who called Alleviate. 
When I called Alleviate what happened, they told me that I need to have 55 % fund first before they can offer my 2 existing lenders a pay off. Meaning Alleviate will charge me first monthly before they can negotiate to my 2 existing lenders. 
Now, I want to cancel the Alleviate because of misinformation about the 55 %, XXXX XXXX said that they can not give back the full refund of {$270.00} because they paid for legal fee of {$250.00}. He said they only have {$5.00} in my account and thats the only amount they can refund. I told him that information wasnt discussed to me either. He said I signed it in their contract which by the way never discussed to me in full details again. And they only discussed to me the information that are good to hear. 
Of course I will sign the contract because they only discussed to me the good side of the contract and told that is what written in the contract.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03 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 XXXX XXXX account 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 explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have called several times today and I keep getting individuals that DO NOT SPEAK english very well, and refused to transfer me to an english speaking supervisor. Last week I was informed my credit freeze was temporarily removed, but when the mortgage lender attempted to run my credit it is still frozen. I have called 6 different times today and the reps refuse to assist, or keep giving me contradicting answers. First they tell me the freeze is lifted then they say it isn't. this is causing me a terrible amount of stress and anxiety, as I will not get approved for the purchase of the home if this matter is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/2023, I received an email from the XXXX XXXX stating that my account would be billed {$410.00} unless I called XXXX XXXX to cancel. I did call, was given a cancellation code XXXX, and told that I would have to talk to another agent to finalize t his cancellation. That person said I had a credit of {$85.00} and that I had to go online to receive this amount. On their website, the entry for this {$85.00} credit added two zeros, so the amount was {$8500.00} - An obvious error. I received a phone call from XXXX XXXX XXXX that I had to return this amount, but it was reduced to {$7900.00} so that I had assurance that I would not be billed for the {$410.00}. I looked a my 2nd credit union account, and saw that {$8500.00} was illegally withdrawn. I was told on a another call from XXXX XXXX that I had to go to my credit union and send a wire transfer for {$7900.00}, and then I would be reimbursed for the {$8500.00}. I drove to the credit union office that same day and completed the forms for the wire transfer of {$7900.00}. XXXX then called again and said " people make mistakes '', and that I had to send another wire transfer to another routing number and account number. I refused to send him more money until I received the {$8500.00} back into my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: FL

Complaint narrative:
There are credit inquiries that i want removed Immediatrely.These accounts were never given my permissible purpose to furnish these accounts, furthermore they infringed upon my rights to privacy in pursuant to 15usc 1681 ( 4 ) these corporations have caused damage to me mentally and financially.Which is said in pursuant to 15usc 1681 ( 2M ) any transaction or experience should be excluded from my consumer report.THESE BANKS and lenders has also violated the billing error practice act in pursuant to 15usc 1666 they never gave me the right to opt out and are not reporting accurately i want these inquiries removed immediately as they are identity theft.I do not want my account closed i just want the inquiry deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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:
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 account number XXXX has violated my rights 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( a ) ( 5 ) section states no consumer reporting agency may 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 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate Also this collection needs to be deleted asap because I was XXXX XXXX XXXX XXXX XXXX sent to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  sat in XXXX XXXX XXXX XXXX  starting XXXXXXXX XXXX I was XXXX XXXX XXXX Im sending documents of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which is the reason XXXX XXXX was involved

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 2023-04-03 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:
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 account number XXXX has violated my rights 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( a ) ( 5 ) section states no consumer reporting agency may 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 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate Also this collection needs to be deleted asap because I was XXXX XXXX XXXX XXXX XXXX sent to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX sat in XXXX XXXX XXXX XXXX starting XXXX XXXX I was XXXX XXXX XXXX  Im sending documents of the case where I was XXXX XXXX XXXX which is the reason XXXX XXXX  was involved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In XXXX of XXXX  we purchased a home with an FHA loan and a few years later we tried to modify the loan due to job loss and unable to pay. within a few years after that we tried to remodify due to car accident and was not able to due to company not being helpful with options. then when it came to a foreclosure we were able to sell our house out right but at the time of getting closing numbers and pay out numbers the company did not give us the right numbers and gave us different numbers the few times our lawyers asked for them therefore we had to come to the table with extra money. 
years later trying to get that record of late payments off of our credit the company would not remove them.

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 2023-04-03 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: TN

Complaint narrative:
I sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 


According to the FRCA 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/she is acquainted or who may have knowledge concerning such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts, Account Number XXXX XXXXXXXX XXXX XXXX XXXX ( The dates do not match on this one and are invalid. Furthermore the XXXX date is well past time to fall off. ) Possible, XXXX XXXX XXXX XXXX XXXX, XXXX ( this account has two different names and two different account numbers therefore it is incorrect and a validation discrepancy. ) 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 2023-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I engaged in a consumer transaction in which I used my " Credit Card '' for a finance charge. I am now being charged cash payments in addition to the finance charge which congress states is a violation. My finance charge encompasses the sum of all charges 15 usc 1605. CAPITAL ONE is not reporting false information to consumer reporting agencies to corers cash payments for my consumer transaction which falls under the definition of a finance charge. I will attach congressional definition that support my stance.capital one account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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:
According to 15 US Code 168c-2, this is my statement that all of the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. 
These accounts are not related to any transactions made by me, the consumer.

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 2023-04-05 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: U.S. BANCORP
State: IL

Complaint narrative:
XXXX XXXX Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

ELAN FIN SVCSXXXXXXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX See an error? 

Find out how to dispute a hard inquiry Institution Information ELAN FIN SVCSXXXX XXXXXXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX  XXXX bankruptcy dismissed, account number : XXXX ; XXXX XXXX bankruptcy dismissed, account number : XXXX ; and XXXX XXXX bankruptcy filing, account number : XXXX has violated my rights. Under, 15 U.S. Code 1681, Section 602A states : I have the right to privacy. Additionally, 15 U.S. Code 1681, Section A ( 2 ) states : a consumer reporting agency can not furnish a account without my written instruction.

Moreover, under the Fair Credit Report Act, this information is incorrect as I do not have ANY active Bankruptcies.

This is the only credit bureau that refuses to remove these inaccuracies and it is a direct violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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

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 XXXXXXXX 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 2023-04-03 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: NV

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. 

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 XXXXXXXX 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 explanation