vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-16 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: GA

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 : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX 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 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 2022-10-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: WA

Complaint narrative:
HWARFIELD XXXX XXXX XXXX XXXX This property send me to collections for {$3500.00} which is not correct. They are stating that I rented an apartment which I never lived in. I never rented any properties from them and I requested multiple times to send me any lease agreement and if they have given me any keys to their property. They never showed me any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
On XX/XX/XXXX, I attempted to make a loan request with Synchrony Bank to purchase a XXXX XXXX XXXX phone through the XXXX store. The process bugged and it would not let me purchase the phone with the account. So I was forced to purchase the phone with my debit card. On the same day I called Synchrony Bank customer support to close the account. They confirmed with me that they closed the account. This is reflected on my credit report. 

Since then they have been hounding me with emails and physical mail about owing {$27.00} on an account that I have with them. They told me I no longer had an account with them. I called them a few times in early XXXX to close this account and confirm I owed them nothing. Customer support with Synchrony confirmed with me that I do not owe them anything. 

However they continued to harass me about payment. By request from their customer support, I sent them a fax on XX/XX/XXXX or XXXX XXXX with proof of my purchase with my own debit card. My credit report says my account with them is closed. Yet they continue to insist I owe them. I did not get a response to my cease and desist. 

In the last few months they have hit my credit score with purported " late payments '' on an account that is not mine.

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 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is exactly why I have had to dispute so many times since the conception of this account from XXXX  Even today after all of these disputes, they are posting payments on a charged off account for the past three months! All of the disputes that I have flled not one person at equifax, XXXX, or XXXX has ever looked at any of these disputes and here I am now again wasting my time because these XXXX idiots at XXXX lie, cheat, post XXXX info on my credit file and to this day have never shown us one signature of validation! You XXXX XXXX better get your XXXX off of my Credit report immediately I am warning you for the last time, all three credit bureaus need to me charged For lying to the CFPB because none of you have addressed these bogus payments on my credit report! XXXX you better get your XXXX Off my credit file asap or youre gon na hear from me Im tired of you manipulating my credit file And XXXX my scores up you XXXX of a XXXX this is it, Im Tired of doing yalls job and you all better get this XXXX off my credit report or Im gon na sue your XXXX in court I already have enough already get off your XXXX and do your job!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is exactly why I have had to dispute so many times since the conception of this account from XXXX! Even today after all of these disputes, they are posting payments on a charged off account for the past three months! All of the disputes that I have flled not one person at XXXX, Experian, or XXXX has ever looked at any of these disputes and here I am now again wasting my time because these XXXX idiots at XXXX lie, cheat, post XXXX info on my credit file and to this day have never shown us one signature of validation! You XXXX XXXX better get your XXXX off of my Credit report immediately I am warning you for the last time, all three credit bureaus need to me charged For lying to the CFPB because none of you have addressed these bogus payments on my credit report! XXXX you better get your XXXX Off my credit file asap or youre gon na hear from me Im tired of you manipulating my credit file And XXXX my scores up you XXXX of a XXXX this is it, Im Tired of doing yalls job and you all better get this XXXX off my credit report or Im gon na sue your XXXX in court I already have enough already get off your XXXX and do your job!

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 2022-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I called originally on XX/XX/XXXX, too submit a refund on a loan payment I made in XXXX of XXXX. Representative told me it would be 7 business days for a refund and I asked her to update my phone number and address on file. Called back on XX/XX/XXXX since I had no update, took me 8 hours on hold to wait to talk to someone. She said my address was never updated and she had to update it again! Asked if there was an update since it was almost a month and I havent received any update. She said there is no new information she would provide too call back in the middle of the month and see if anything has happened. I dont have all day to be waiting on hold too talk to representative. I still have too this day not received my refund or an update. Emailed MOHELA and no response on their behalf and its been over 2 weeks that I sent that email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer repeatedly and its defamation of my character. 

UNKNOWN ACCOUNTS : XXXX XXXXXXXX XXXX XXXX Account # XXXX {$5000.00} XXXX XXXX Account # XXXX {$2100.00} XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX {$350.00} XXXX Account # XXXX {$2800.00} XXXXXXXX XXXX Account # XXXX {$25000.00} UNKNOWN INQUIRIES : XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXXXX/XX/2021, XXXX XXXX XX/XX/2021

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 2022-10-16 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:
I am making this complaint to properly notify the credit reporting agencies of the pending disputes with the listed company that the credit reporting agencies falsely furnish on my report. On XX/XX/2022 the listed company was given notice pursuant to 15 U.S. Code 1602 ( k ) - the company never provided adequate notice which clearly and conspicuously mentioned the pertinent facts of these transactions causing me to make an uninformed decision. Further, the only evidence of indebtedness provided was just a computer-generated agreement. There's absolutely no way a computer generating a bunch of generic agreements is creating adequate notices, or agreements that everybody can understand. Lastly notice was given to the company listed for their unauthorized use which is defined in 15 U.S. Code 1602 ( p ) use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. And the credit reporting agencies are complicit and continue to violate my privacy by disclosing my nonpublic information. You might want to remove the accounts because you will be held accountable just like the companies listed. If you have any questions contact me at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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:
I am making this complaint to properly notify the credit reporting agencies of the pending disputes with the listed company that the credit reporting agencies falsely furnish on my report. On XX/XX/2022 the listed company was given notice pursuant to 15 U.S. Code 1602 ( k ) - the company never provided adequate notice which clearly and conspicuously mentioned the pertinent facts of these transactions causing me to make an uninformed decision. Further, the only evidence of indebtedness provided was just a computer-generated agreement. There's absolutely no way a computer generating a bunch of generic agreements is creating adequate notices, or agreements that everybody can understand. Lastly notice was given to the company listed for their unauthorized use which is defined in 15 U.S. Code 1602 ( p ) use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. And the credit reporting agencies are complicit and continue to violate my privacy by disclosing my nonpublic information. You might want to remove the accounts because you will be held accountable just like the companies listed. If you have any questions contact me at 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 2022-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have a navy federal account and 4 months ago i got sick with XXXX XXXX and i was in XXXX for 2 and a half months when i was in there Navy cancel my debit card so my family had no way in deposit to my account and i got hit wirh over XXXX worth of fees over draft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. It's been well over 30 days and noting have been corrected. I feel my rights are being neglected and my issues are being ignored. Per 611 ( a ), a failure to investigate within 30 days justifies immediate removal of theses items from my credit report. It has been over 30 days so I would expect the items to be deleted ASAP. I demand proper action be taken and these accounts be deleted immediately or I will file for litigation due to the mental and financial stress caused. Additionally, my information could have gotten in the wrong hands due to the XXXX data breach. 

Additionally, on XX/XX/2022, a demand to comply letter was sent awaiting response

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 2022-10-16 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: FL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. It's been well over 30 days and noting have been corrected. I feel my rights are being neglected and my issues are being ignored. Per 611 ( a ), a failure to investigate within 30 days justifies immediate removal of theses items from my credit report. It has been over 30 days so I would expect the items to be deleted ASAP. I demand proper action be taken and these accounts be deleted immediately or I will file for litigation due to the mental and financial stress caused. Additionally, my information could have gotten in the wrong hands due to the Equifax data breach. 

Additionally, on XX/XX/2022, a demand to comply letter was sent awaiting response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Zelle fraud. Company said I shouldn't have approved transfer. Thought I was talking to XXXX fraud people. Even in bank an they talked to them. Said I shouldn't have have approved them. This is still going on an bank is an government is letting it continue and has been for yrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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 Use 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, 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.

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 2022-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am disputing a charge for goods or services that I did not accept or that were not delivered to me as agreed. I am also reporting Capital One for failing to do proper due diligence, siding with the merchant without due cause or process, in direct violation of my rights and the Fair Credit Billing Act. 

On the date of XXXX XX/XX/2022 I was informed by my flight carrier that there was a flight change made. The scheduled flight was to take off on XXXX XX/XX/2022. 

As a result of this flight change, this flight carrier ( XXXX ) offered a full refund ( see EVIDENCE_1.PDF ) for the flight, as indicated by their website, however, it was listed that I must call to receive this refund. Other options, such as a voucher, were available immediately via the website. 

However, XXXX refused to offer the refund that I had full rights to, according to their own terms and their own website. 

On XXXX XX/XX/2022, immediately after learning that XXXX refuses to cooperate, I contacted Capital One to file a dispute ; Capital One assured me that they would " look into it '' and I offered to provide them any and all evidence showcasing the wrong doing done by XXXX. 

Capital One said they did not need any evidence from me. Today, XXXX XX/XX/2022, Capital One decided to side with the merchant, XXXX, without any due process, any collection of evidence from my side, or any email correspondence whatsoever. 

This is fraud and Capital One is not following their obligations under the Fair Credit Billing Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-16 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 Use 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, 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.

15 U.S.C 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 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:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer repeatedly and its defamation of my character. 

UNKNOWN ACCOUNTS : XXXX XXXX Bank SS Account # XXXX {$5000.00} XXXX XXXX Account # XXXX {$2100.00} XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXXl Account # XXXX {$350.00} XXXX  Account # XXXX {$2800.00} XXXX XXXX XXXX # XXXX {$25000.00} UNKNOWN INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation