vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-20 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 an 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 explanation
Consumer complaint received 2022-06-20 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: NCD Financial, LLC
State: FL

Complaint narrative:
I contacted NCD about the account still showing on my report and was told to contact the Credit bureau. I then contacted the credit bureau and was told to contact NCD. I spoke with the manager @ NCD who was very helpful of closing the account and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, XXXX trans union. Keep reporting inaccuracies and comments on my credit report. XXXX. Account number XXXX comments are inaccurate I have never been in forbearance in fact this account is paid in full. I have provided them notice from XXXX, XXXX. Showing this account was paid in full and was never in forbearance or deferred. The inaccurate comments on this account needs to be deleted. Enclosed you will find proof that this account was paid and never deferred or in forbearance of any kind. 
XXXX, Trans union and XXXX assured me on the phone it would be corrected and removed and nothing has been done. Because of this inaccurate comments they are reporting I am being denied a mortgage loan.

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 2022-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, Equifax XXXX XXXX. Keep reporting inaccuracies and comments on my credit report. XXXX Account number XXXX comments are inaccurate I have never been in forbearance in fact this account is paid in full. I have provided them notice from XXXX, XXXX. Showing this account was paid in full and was never in forbearance or deferred. The inaccurate comments on this account needs to be deleted. Enclosed you will find proof that this account was paid and never deferred or in forbearance of any kind. 
XXXX, XXXX XXXX and Equifax assured me on the phone it would be corrected and removed and nothing has been done. Because of this inaccurate comments they are reporting I am being denied a mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: DISCOVER BANK
State: FL

Complaint narrative:
Discover Bank, Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. And if that wasn't enough, the provisions include criminal penalties of up to five years in prison, and the revocation of licenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: OH

Complaint narrative:
I submitted this complaint to Equifax Information Services XX/XX/XXXX and it was received on XX/XX/XXXX per tracking # XXXX XXXX XXXX XXXX XXXX Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX / XX/XX/XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax Information Services furnish this information. 
Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2022, a letter was sent requesting an investigation into late payments for XXXX XXXX, late payments for XXXX XXXX, late payments for XXXX XXXX  and into the removal of a XXXX account because it was a pay for delete account. A response nor the method of validation was provided within 30 days according to the requirements of the FCRA. 

On XX/XX/2022, another round of letters were sent requesting a reinvestigation into the same accounts for the same reasons. Again, the method of validation was not provided and the accounts are still listed after the 30 day period. 

In accordance with the Herors Act, creditors are not allowed to post negative information, such as late payments, during the Covid-19 pandemic and 120 days after.

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 2022-06-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2022, a letter was sent requesting an investigation into late payments for XXXX XXXX, late payments for XXXX XXXX, late payments for XXXX XXXX, and into the removal of a XXXX account because it was a pay for delete account. A response nor the method of validation was provided within 30 days according to the requirements of the FCRA. 

On XX/XX/2022, another round of letters were sent requesting a reinvestigation into the same accounts for the same reasons. Again, the method of validation was not provided and the accounts are still listed after the 30 day period. 

In accordance with the Herors Act, creditors are not allowed to post negative information, such as late payments, during the Covid-19 pandemic and 120 days after.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: Paypal Holdings, Inc
State: MS

Complaint narrative:
On XX/XX/2020, I the consumer utilized Paypal Credit in which I had a surplus credit amount {$1600.00} to pay my car note of {$390.00} ( Exhibit A, Exhibit B ). On XX/XX/2020 Paypal attempted to collect my car payment from my debit card in the amount of {$390.00} without authorization which is in direct violation of 15 US Code 1602 ( p ) ( Exhibit C ). Furthermore, they threatened to report this false claim to the credit bureau which is in violation of both 18 USC 876 and 15 USC 692 ( e ) ( 10 ) causing me mental anguish, XXXX, and stress ( Exhibit D ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I am a federally protected consumer and a natural living person. I am aware that this company by the name of SEQUIUM ASSET SOLUTION, is committing fraud and claiming that I owe this company an alleged debt. I hereby refuse this alleged debt and request that this company provide me with documentary evidence which shows that I legally owe this company this alleged debt. I am also aware that this company has violated the Fair Credit Reporting Act by reporting unfair and inaccurate information as according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) information solely as to transactions or experiences between the consumer and SEQUIUM ASSET SOLUTION should be excluded from personal reports. I am saddened to see that this company thrives on deceiving its consumers and hope to find a resolution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
CEASE AND DESIST LOWE 'S SYNCHRONY Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Do NOT close MY account without MY authorized permission. This is account is my property, as it was an extension of MY credit card ( social security card, pursuant 15 USC 160XXXX ( l ) ) -Zero out the balance on this account. -Do not seize or attempt to seize anything in my possession. Again, I initiated this transaction with my credit card ( social security card number ), and this ensures that my account is paid in full in 15 USC 1602 ( l ). I did not fill out a LOAN application because banks can not lend money ( 12 USC 1431 ) -this looks a lot like fraud to me. I am the consumer, and should benefit from this transaction. LOWES SYNCHRONY, you did not lend these funds to me to utilize the account ending in XXXX. I participated in a consumer credit transaction using my social security number ( credit card ) and not a loan Pursuant to 15 USC 1602 ( i ). At this point I have determined that I am not going to allow my rights to be violated anymore by you. LOWES SYNCHRONY is involved in fraud in many ways, and you knowingly violated me with the fact that any balance over {$1.00} should be credited to my account. I am demanding you to refund any part of the amount of the remaining credit balance, leave my account open to utilize each and every month. LOWES SYNCHRONY, by federal law definition you are a debt collector, 15 USC 1692a ( 6 ) or who regularly collects or attempts to collect, directly or indirectly, debts owed. I will also be forwarding this complaint to the Attorney General. Best regards, 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 2022-06-20 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: MN

Complaint narrative:
in accordance with the fair credit reporting act XXXX  accountant # XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. 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 accountant with out 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 explanation
Consumer complaint received 2022-06-20 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: MN

Complaint narrative:
Attached to this complaint is a Federal Trade Commission Identity Theft Report, identification documentation and a partial Equifax credit report showing they deleted the XXXX credit inquiry which is still listed on my Equifax credit report. The following accounts and credit inquiries listed on my XXXX and Equifax credit report are fraudulent, unauthorized and not my accounts or credit inquiries : 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  The accounts and credit inquiries are all fraudulent, unauthorized and not mine. I have sent XXXX and Equifax the Federal Trade Commission Identity Theft Report along with a police report case number, but XXXX and Equifax continues to keep to put and keep the fraudulent accounts on my credit report. The XXXX XXXX account has been deleted and removed from my XXXX and Equifax report twice, by XXXX XXXX Equifax, but the XXXX XXXX account is back on my XXXX and Equifax credit report. I sent XXXX and Equifax all kinds of documentation proving I am a victim of identity theft, but XXXX and Equifax continues to put fraudulent accounts and the same fraudulent accounts, XXXX and Equifax has deleted previously on my credit report. This is very frustrating. The CFPB, U.S. Congress and the U.S. Department of Justice need to investigate XXXX, Equifax and XXXX XXXX for violating the Fair Credit Reporting Act under Federal law. The U.S. government needs to take over the credit bureau industry because XXXX, Equifax and XXXX XXXX dont listen to the consumers. They violate the FCRA constantly and do whatever they want to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: NC

Complaint narrative:
I received a letter from Equifax requesting that I provide 2 forms of I.D . as proof of identity as well as my FTC report. For Equifax to block information under Section 605B of the Fair Credit Reporting Act, I am providing this information attached to this complaint. Just to reiterate, I am XXXX XXXX, a consumer and I am pursuing 15 U.S. Code 6802 my right to privacy. I am requesting the following information to be blocked and deleted 15 U.S. Code 1681c-2 from my credit report within four days as stated in the law : XXXX 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 XXXXXXXX I'm also pursuing 15 U.S. Code 1681a ( b ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. ( My social security card is a card. ) Method of verification was not investigated before publishing anything on my report. Did you interview my friends, associates or neighbors? If you did please provide their names and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inquiry : experian XXXX XXXX XX/XX/22 Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-06-20 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: CT

Complaint narrative:
N accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX account number XXXX, has violated my rights. 

15 u.s.c 1681 section 602 A. States I have the rights 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 explanation
Consumer complaint received 2022-06-20 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: NC

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: NC

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 an 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 explanation
Consumer complaint received 2022-06-20 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account # 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 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 2022-06-20 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I never applied for Nordstrom card I tried multiple time dispute with credit bureaus and Nordstrom bank they never help me even I have a police report file it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 an 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 explanation
Consumer complaint received 2022-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
CAPITAL ONE AUTO FINAN In accordance with the Fair Credit Reporting Act You CAPITAL ONE AUTO FINANCE have 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 an account without my written instructions

Company response to consumer: Closed with explanation