vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-29 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 have contacted the XXXX credit agencies several times about the accounts on my consumer report. The transactions are not completed by me as the consumer. These accounts are hindering me to grow. I have asked the company to delete, block, or update the account to ( XXXX ) Some of the companies have refused my letters as well. The companies are in clear violation. The accounts are listed as followed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My report is not 100 % accurate. I have filed an FTC report also see attachment for other attachments. I will be moving forward with a lawyer if I don't get my desired results with and monetary settlement in 4 days. 

Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: NC

Complaint narrative:
I have contacted the XXXX credit agencies several times about the accounts on my consumer report. The transactions are not completed by me as the consumer. These accounts are hindering me to grow. I have asked the company to delete, block, or update the account to ( XXXX ) Some of the companies have refused my letters as well. The companies are in clear violation. The accounts are listed as followed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My report is not 100 % accurate. I have filed an FTC report also see attachment for other attachments. I will be moving forward with a lawyer if I don't get my desired results with and monetary settlement in 4 days. 

Best Regards

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 2022-11-29 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: CA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 states I have the rights to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 conviction 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect.

Below I have attached the documents from my credit report circling inaccurate and incomplete information on my credit report for a long period of time. Moving forward I would like this Information to be deleted or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX about XX/XX/XXXX, I sent an Affidavit of debt verification request letter to Equifax pertaining to XXXX " XXXX XXXXXXXX XXXX XXXXXXXX '' accounts ( amounts {$3500.00} and {$6000.00} ). Equifax response to my validation request was I quote, " The disputed item is not currently reporting on the Equifax credit file '' and quote. Confirmation # : XXXX, See Attachment ( XXXX ). On XX/XX/XXXX, my wife obtained an identity theft police report for both XXXX XXXXXXXX XXXX XXXXXXXX accounts as well as other accounts, XXXX Attachments. On XX/XX/XXXX I sent separate notarized Affidavits ( pertaining to fraudulent accounts, unverified accounts and inquires ) to Equifax, XXXX and XXXX, See Attachment ( XXXX ). On XX/XX/XXXX, I called Equifax to inquire as to the continued reporting of the XXXX XXXX XXXX. Of XXXX accounts. After being transferred several times and on hold XXXX. and XXXX mins. the supervisor would not answer my questions as to their legal authority to continue reporting these XXXX accounts that are determined to be a result of identity theft via Police Report. At that point the supervisor sent me to an automated system to be disconnected. The first customer rep. I spoke with, I.D . # : XXXX, Call time : XXXX hr. XXXX mins. XXXX seconds, See Attachments. Complaints : XXXX. Equifax did NOT validate the XXXX XXXX XXXX. Of XXXX accounts. XXXX. Equifax said the XXXX accounts in question were NOT reporting on my credit file. XXXX. Equifax continues to report the unverified accounts after receiving the police report via certified mail. XXXX. Equifax has requested I contact the creditor for debt validation. XXXX. Equifax has blocked me from accessing my Equifax account. Despite my various written request for validation and removal of unverified accounts they remain in my credit file which intentionally violate numerous federal laws such as and not limited to : FCRA Sections ; 605 ( c ), 609, 611, 616, 617, 623 etc. As well as several FDCPA 's. 

Note : XXXX has also failed to delete these XXXX accounts from my file. I received a letter from XXXX ( dated : XX/XX/XXXX ) stating the debts have been deleted ( See Attachment ) but when I checked my XXXX account online the debts were still reporting therefore, this complaint also applies to XXXX. 












Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have a private student loan with Navient. I had been making monthly payments since I left school. Navient never postponed any payments even during the pandemic to help us get through difficult times. Navient has increased interest rates on the loan twice over the last XXXX months. When I called and asked about the interest rate increase, they told me I have signed a contract with a variable interest rate which I am not able to confirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: CA

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

( XXXX ) Account name XXXX account number ( XXXX ) ( XXXX ) Account name XXXX XXXX XXXX account number ( XXXX ) ( XXXX ) Account Name XXXX XXXX  XXXX account number ( XXXX ) ( XXXX ) Account Name XXXXXXXX XXXX  account number ( XXXX ) 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 states a consumer reporting agency can not furnish an account without my written instructions 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 2022-11-30 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: CA

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

( 1 ) Account name XXXX  account number ( XXXX ) ( XXXX ) Account name XXXX XXXX XXXXXXXX account number ( XXXX ) ( XXXX ) Account Name XXXX XXXX XXXXXXXX account number ( XXXX ) ( XXXX ) Account Name XXXX XXXX account number ( XXXX ) 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 states a consumer reporting agency can not furnish an account without my written instructions 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 2022-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Capital One is running credit checks without my authorization. I do NOT have an account with them and have never had an account with them. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX times XXXX XX/XX/XXXX. Attempts have been made to stop these credit checks but Capital One has not ceased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29 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: CA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 states I have the rights to privacy.

15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 conviction 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect.

Below I have attached the documents from my credit report circling inaccurate and incomplete information on my credit report for a long period of time. Moving forward I would like this Information to be deleted or removed from my credit 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 non-monetary relief
Consumer complaint received 2022-11-29 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: CA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 states I have the rights to privacy. 
15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 conviction 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect.

Below I have attached the documents from my credit report circling inaccurate and incomplete information on my credit report for a long period of time. Moving forward I would like this Information to be deleted or removed from my credit 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 2022-11-29 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: TX

Complaint narrative:
On XX/XX/2022 Transunion dropped my credit score down XXXX points for no reason at all. No changes were noted in my report no late payments etc. I went from XXXX to XXXX over night. XXXX also dropped my score down XXXX points on XXXX XXXX 2022. Again with no explanation or noted adverse changes. My score went from a XXXX to XXXX. I dont understand how my scores could change so much with no late payments repos evictions collections or anything.

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 2022-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover account was open fraudulently is not mine police report file XXXX XXXX XXXX open fraudulent not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have had extensive Fraud and incorrect Credit Card Reporting incorrect information. I requested a Freeze on my Credit Reporting but have not received a confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ADP Inc.
State: TX

Complaint narrative:
A debt collector by the name of XXXX XXXX XXXX submitted a Garnishment Order in the state of Missouri to my place of employment using the company ADP Inc . I am a consumer in the state of Texas. My wages are earned in the state of Texas. ADP has sent a email stating the garnishment order is valid from the state of Missouri. 

The state of Missouri also does not have any jurisdiction in the state of Texas. 

Pursuant the Texas Constitution Article 16. Section 28. GARNISHMENT OF WAGES. No current wages for personal service shall ever be subject to garnishment, except for the enforcement of court-ordered child support payments or spousal maintenance. 

I have contacted ADP at XXXX and was advised that the garnishment is valid. ADP advised that they will not stop the garnishment. ADP advised that only the attorney from the Missouri court order can stop the garnishment. 

This is a violation of my consumer rights and Texas state laws. 

I did not give ADP ANY permission to collect ANY debt from my wages. 

An FTC Complaint has been submitted as well as a Texas Attorney general complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: TX

Complaint narrative:
XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX  - XXXX  XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX The above accounts were created shortly after my identity was stolen I have no knowledge of these account

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 2022-11-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
Robinhood was made aware of several problems in a previous complaint made to the CFPB which they did not address. In their previous answer, they post the blame primarily on me that it was my fault that I got angry and that they're not in any way at fault for lying to me or closing out my positions and turning the unrealized losses into realized ones. There have been serious misappropriations with my money as a client with Robinhood and their defiance to tell the truth about what happened and put the blame on me because I lost my temper when they decided they were going to kick me off their platform after leading me to believe everything was okay is unacceptable. Then they also have the nerve to say that after losing me a ton of money in realized losses that they initiated that eventually I was able to liquidate my cryptocurrencies. 

This was the previous complaint that I made to Robinhood who evaded answering all of the questions that I demanded. These included questions regarding XXXX XXXXXXXX XXXX me while I was struggling to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had mailed a check to my lawyer at the end of XXXX. On XX/XX/XXXX, I opened my Capital One checking account and realized {$8300.00} had been withdrawn NOT authorized by me. I noticed a check for that amount in my account, which was not written by me or in my handwriting. It was a check number from my account and that I had recently written check XXXX for {$10000.00} out to my lawyer XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and mailed it in a XXXX XXXX XXXX at XXXX and XXXX. My best guess is that someone must have intercepted and made a copy of my check and wrote it out payable to XXXX XXXX for {$8300.00}, which was not authorized by me. It is clearly a fraudulent check with no watermark on the back or area for the person to sign. I called Capital One to report immediately and froze my checking account to prevent any more fraud. As of today XX/XX/29, I am still waiting for Capital One to finish the investigation and return my money. I just learned that legally banks have a 10 day window to determine a fraud outcome. It has now been 25 days, and I have called numerous time to find out the status and Capital One has been of no help. I filed a police report, a XXXX fraud report, and XXXX Report, and an FTC report. 

Police Report # XXXX XXXX XXXX Request # XXXX FTC Report # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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

( XXXXXXXX XXXX XXXX XXXXXXXX ), ( XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 ), ( XXXX XXXX XXXX : Date of inquiry : XX/XX/2022 ), and ( XXXX : Date of inquiry : XX/XX/2022 ) 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