vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-19 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: NY

Complaint narrative:
In accordance with the fair credit Reportingact. the list of accounts below has violated my federally protected cunsumer 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 

15 u.s.c 1681 section 602 A. states i have right to privacy.

15 u.s.c 1681 section 604 a section 2 : it also states a consu, er reporting agency can not furnish a account with my written instructions 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency maymake 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 inaccurat.

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 2022-12-19 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: OH

Complaint narrative:
I have reached out via certified mail and phone regarding issue of unauthorized inquiries on y credit report. I sent certified mail XX/XX/22, XX/XX/22, XX/XX/22 and a followup phone call XX/XX/22 which resulting in a XXXX long wait and then being hung up on. I informed them that I have noticed a number of hard inquiries that I did not authorize nor apply my signature to nor are attached to any account I possess and having these inquiries in error on my report is preventing me from obtaining new credit. and I need removed immediately. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: PA

Complaint narrative:
In early XXXX to current, I sent individual FCRA Section XXXX letters out to dispute and request written evidence of specific hard inquiries and FRAUDULENT Account on all the Credit report to TRANSUNION. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Account as well as inquirys in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau XXXX TRANSUNION. Below are the detailed Unauthorized FRAUDULENT Account and Unauthorized FRAUDULENT Inquiries I asked to have investigated in early XXXX to Current days date. 
Unauthorized FRAUDULENT Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify these credit inquires that pulled/ viewed my credit without my permission. Within XXXX business days in compliance with FCRA. 
TRANSUNION has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2022-12-19 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2022-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I submitted an Unauthorized Hard Inquiry Dispute Letter in writing via priority mail, tracking number XXXX, to The TransUnion Credit Bureau. I Requested that ( 1 ) Hard Inquiry Be Removed as it was ( Not Authorized ) by me. I contacted TransUnion Customer Service Dept today XX/XX/XXXX and was informed that the Inquiry will remain on the report unless I submit my fraud complaint to the Federal Trade Commission therefore, I am making this formal complaint as requested because I did not authorize this Credit Inquiry and as a result, I am being denied credit opportunities that I have worked Hard to achieve.

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 2022-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score that I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Credit inquires from : Pic attached

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 2022-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Similar to a previous complaint, Capital One continues to allow personal information to go into the hands of intruders. They recently sent a letter to me that claimed someone else tried to open an account in my name for their XXXX service they provide as part of their online XXXX XXXX XXXX, so they closed the account for XXXX. Capital One is in breach of many security measures and unfortunately, their bizarre actions and missteps are a reflection of the XXXX XXXX that took place in 2019 under their watch. I think allowing Capital One to continue operating as a XXXX XXXX is forcing a thin line upon borrowers. Until Capital One can truly invest in being trustworthy, there should be severe restrictions on their business, and perhaps prison time for those within the company who failed to properly equip the company with those necessary lawful preventative means.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a bankruptcy reported on my credit report. I have contacted all XXXX bureaus and let them know that this is my fathers bankruptcy. XXXX removed the account, however experian and XXXX verified this account was mine. I have explained to them that me and my father have the same name and address. They refuse to remove it. If you look at my credit report, i have no items included in the bankruptcy, which is impossible if it was really my bankruptcy.

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 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX Please refer to the above previous complaint. I have not gotten any resolution from the Bank. And they have not been returning my phone calls. 
I did everything that they asked and used {$15.00} of my own money to get an affidavit notarized. and still my {$2000.00} has not been returned. They have not returned my money since I requested it in XX/XX/2022. 

Is there a way to take them to small claims court? 
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 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 non-monetary relief
Consumer complaint received 2022-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
Affirm closed a dispute in favor or merchant, XXXX, after providing tracking info showing item refused back to merchant, XXXX. Regardless, they still attempt to collect on debt by sending account to XXXX XXXX, third party collections agency. Previously, down payment in amount of {$5100.00} was charged back, I was unable to obtain refund form merchant as they were not answering calls at the time. One of their reps whom I do not have the name of, stated he would refund, however, was unable to reach back to follow up as additional calls were not answered.. Most recently, complaints were filed against XXXX, their rep, XXXX, emailed me claiming they attempted to refund and were unable to .... XXXX claims an error message received when trying to refund back to XXXX, third party selling the item.. The timeline of events regarding the order is attached to this complaint from XXXX. It appears Affirm is attempting to collect on debt despite error message from XXXX which will not allow XXXX to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 non-monetary relief
Consumer complaint received 2022-12-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2022, a man name XXXX XXXX promised to refund me {$190.00} from a XXXX sports subscription I had taken out in XXXX of 2022. I never gave him my username nor my password. But when he wired my money to my BMO account, he claimed he sent me {$9800.00}. On XX/XX/2022, he went into my Saving account and Transferred {$11000.00} into his XXXX account. I went into BMO Harris Bank and complained that I never made nor Authorized that transfer. XXXX XXXX the bank manager said there was nothing he nor the bank could do. I filled a complaint against the BMOBank, # XXXX  XXXX XXXX. XXXX Police Report # XXXX, O.C.C complaint # 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 2022-12-19 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2022-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Good afternoon, In XXXX or XXXX, I called Bank of America to pay off my card in full. I've had the account for many years with no delinquency whatsoever... the account ends in XXXX. 
I spoke to someone on the phone who gave me the amount to pay. I provided this person with my new mailing address, and let them know my phone number and email was unchanged. 
I mailed funds, matching the amount I was provided. The check cleared. 
Over sixty days later, I received a credit alert that BofA was reporting me XXXX days delinquent. Since I'd mailed the funds ( around {$4900.00} ), I'd received no mail from BofA, no text messages, no phone calls, and no emails. No communication whatsoever. 
I called BofA on XX/XX/2022, and was informed that there'd been around {$89.00} left on my account, and that considering late fees and penalties, I now owed over {$210.00}. I paid the full amount they requested ( despite never being notified ) and closed the account ( again ). However, the customer service representative ( XXXX XXXX told me that BofA would continue to report my credit delinquent, XXXX days.

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 2022-12-19 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: WA

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX, a debt collector on XX/XX/2022. The letter informed me that they are trying to collect a debt of {$4800.00} that I owe to PayPal , Inc . This was a shocker as I have not used my PayPAL for a long time. I do have a PayPAL account and when I logged in and checked. My PayPAL account shows no balance and transactions or purchases in a long time ( as expected ). The letter indicated a PayPAL account number as XXXX. I called PayPAL and they confirmed my account has no balance pending. However, the account number in the letter also has my name associated with it. When I asked them for more information, they asked me to provide an email and credit card/bank number associated with the account ending in XXXX ( the XXXX in the letter ). Since I never opened that account I could not provide that information. I had been a victim of ID theft before. As a result for several years I have frozen my credit with all XXXX  credit bureaus as well as the XXXX  system. I had also set fraud alerts at all these places. So how can someone open an account using my information and conduct financial transaction ( s ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19 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: CA

Complaint narrative:
I have a bankruptcy reported on my credit report. I have contacted all 3 bureaus and let them know that this is my fathers bankruptcy. XXXX removed the account, however XXXX and equifax verified this account was mine. I have explained to them that me and my father have the same name and address. They refuse to remove it. If you look at my credit report, i have no items included in the bankruptcy, which is impossible if it was really my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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 Reportingact. the list of accounts below has violated my federally protected cunsumer rights to privacy and confidentiality under 15 usc 1681. 

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 right to privacy.

15 u.s.c 1681 section 604 a section 2 : it also states a consu, er reporting agency can not furnish a account with my written instructions 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency maymake 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 inaccurat.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: NY

Complaint narrative:
In accordance with the fair credit Reportingact. the list of accounts below has violated my federally protected cunsumer rights to privacy and confidentiality under 15 usc 1681. 

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 right to privacy.

15 u.s.c 1681 section 604 a section 2 : it also states a consu, er reporting agency can not furnish a account with my written instructions 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency maymake 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 inaccurat.

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 2022-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: CA

Complaint narrative:
A new Medical Collection was added to my credit on XXXX XXXX XXXX that does not belong to me. 

AssetCare , LLC ( XXXX ) XXXX Asset care purchased an account on XX/XX/XXXX. 

I was able to speak to a representative after the first two supervisors disconnected my call without answering any of my questions and concerns Lastly I spoke with XXXX, and I verified this is not an account that belongs to me and they reported the account to the credit bureaus incorrectly. NO efforts to confirm with me that this account is valid. They advised they called once on XX/XX/XXXX and were told they had a wrong number, they then mailed out a letter on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX, I told them this is an incorrect address as the street name is spelled incorrectly, BECAUSE they did not receive a response to a letter AssetCare mailed out to a wrong address they submitted this account without any proof of validation to this account. I asked for a copy of the letter they supposedly mailed out to me on XX/XX/XXXX and they told me they could not provide me with a copy. I requested that they immediately notify the credit bureaus this account is being reported incorrectly and immediate deletion. I received confirmation they would be processing request for deletion pending an itemized bill of the services rendered for that account. They are now in violation of any HIPPA law protecting consumers of their privacy rights. 

Lastly, I was told once they mail out the itemized bill they will automatically start reporting it as a collection to the credit bureaus, even though they're only attempt to validate this debt was sent to a wrong address. This has caused immense conflict to my credit journey will be requesting costs for statutory damages.

Company response to consumer: Closed with non-monetary relief