vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have contacted your company numerous times to get this issue resolved. 
Pursuant to 15 USC 1681 ( 2 ) '' ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' SHOULD BE EXCLUDED FROM A CONSUMER REPORT.

The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) 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.

The credit card is my Social Security card. This is the credit card I used to originate every consumer credit transaction.

Your company has violated this law numerous times when you did not disclose if I wanted this reported on my credit report neither did you give me the option to opt-out of it being reported. This decision was not yours to make and therefore means you violated my consumer rights and the law.

Have these two accounts removed immediately from my credit reports. 
Account # XXXX - {$1000.00} & Account # XXXX - {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: FL

Complaint narrative:
They have not addressed the complaint. There IS A SYSTEM GLITCH. Your company has confirmed there is no negative items on my report so WHY IS YOUR WEBSITE/PORTAL REFLECTING NEGATIVE INFORMATION. Actually do investigation and fix the issue rather than give a generic response. Refer to 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 2021-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: SC

Complaint narrative:
My VA doctor ordered a XXXX test that was completed om XX/XX/2021. I have receiving bills for {$480.00} for XXXX XXXX. The VA is slow paying them so they sent me to COLLECTIONS. 
They want me to contact the VA and get them their MONEY. 
I'm not well and have A XXXX  XXXX condition. 
They had me on hold for 10 minutes and then disconnected me.

I informed them that under Law they must file their claim in 180 days or the VA will not PAY!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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 — Problem with personal statement of dispute
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I have made several attempts to NCB Management Services , Inc. to provide me with a SIGNED and DATED ORIGINAL CONTRACT between myself, XXXX XXXX and NCB. They still have not provided me with the information I've requested ( now demanded ). 

According to the last results from a previous dispute : The account is an auto loan originating with XXXX on XX/XX/XXXX for the purchase of a XXXX XXXX, XXXX. As a result of XXXX selling the account to NCB, they assigned their rights regarding this account to NCB. 
This statement means XXXX has sold this contract to another company. That means the contract between me and XXXX is CANCELLED. THE DAY NCB FINALIZED THE SALE OF THE DEBT FROM XXXX, THE CONTRACT HAS BEEN CANCELLED. 

As stated in our letter dated XX/XX/XXXX, NCB is now the current creditor to whom the debt is owed. 
This statement means NCB is now the credit for this debt. Since this debt is carried under NCBs umbrella, WHERE IS THE WRITTEN AND SIGNED CONTRACT BETWEEN ME, XXXX XXXX AND NCB?!? I have been repeatedly asking for the SIGNED contract between myself and NCB. They continue to grandstand and NOT service my request. They keep sending me alleged documents between me and XXXX but not the SIGNED contract between myself and NCB. 

I have attached the request letters sent directly to NCB to send the contract I've request ( WRITTEN and SIGNED contract between myself and NCB EXCLUSIVELY ) and the latest copy of the response they have sent. Please pay attention to the information highlighted on the first page of NCB 's document.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: NV

Complaint narrative:
XXXX  CREDIT AGENCY HAS BEEN REPORTING INACCURATE INFORMATION FOR SEVERAL YEARS EVEN AFTER I HAVE FILED POLICE REPORTS AND REORTS WITH THE FTC THEY HAVE YET TO FIX IT. I WANT TO SUE THEM AND HAVE THE FILES REMOVED. XXXX for {$5400.00} XXXX XXXX XXXX for {$15000.00} and XXXX XXXX XXXXXXXX for {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Transunion. 

1. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : DEPT OF ED Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : DEPT OF ED Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

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 2021-07-12 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: NJ

Complaint narrative:
The following items are inaccurate on my credit report and are causing me stress. I would like them to be removed because these accounts are affecting my credit reporting in a major way and at the same time are costing me thousands of dollars every year. I am listing the inaccurate accounts below and also will be attaching the letters I sent out before filing this complaint. 

1 : XXXX XXXX ACCOUNT NUMBER : XXXX this account is inaccurately reporting to my credit 2 : XXXX XXXX ACCOUNT NUMBER : XXXX This is account is also inaccurately reporting to my credit profile. 
I would also like to add that I have filed a complaint with the federal trade commission and the better business bureau because these accounts are not mine and are reporting to my credit inaccurately causing me stress and money. 
my FTC report # is : 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 2021-07-12 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: NJ

Complaint narrative:
The following items are inaccurate on my credit report and are causing me stress. I would like them to be removed because these accounts are affecting my credit reporting in a major way and at the same time are costing me thousands of dollars every year. I am listing the inaccurate accounts below and also will be attaching the letters I sent out before filing this complaint. 

1 : XXXX XXXX ACCOUNT NUMBER : XXXX this account is inaccurately reporting to my credit 2 : XXXX XXXX ACCOUNT NUMBER : XXXX This is account is also inaccurately reporting to my credit profile. 
I would also like to add that I have filed a complaint with the federal trade commission and the XXXX XXXX XXXX because these accounts are not mine and are reporting to my credit inaccurately causing me stress and money. 
my FTC report # is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I previously underwent a legal name change in XXXX and have had to dispute this several times for the last two years after finding out that my XXXX was still being used in some on-line platforms. I believe the issue has mostly been resolved with two of the credit bureaus. 
I noticed for the past year and a half that I was never able to get an on-line credit report from Equifax, and that my only way of getting it was to request it by mail. 
By chance, I remember having created an account on Equifax 's web site, so I went there to see if my credit reports were there. What I found was extremely surprising. Under the 'summary ' tab, my credit report shows as a 'clean record ', meaning that there are no credit accounts, lines of credit, loans, or even a credit score. And yet, when I went to dispute it by going to Equifax 's Dispute Centre, I saw all of my account activity there. 
To help in their investigation, I took several screenshots showing the problem. 
In XXXX of XXXX, I called Equifax and told them about the issue. I was placed on hold for an indeterminate amount of time, and then the call dropped. I wrote Equifax a letter a few days later and mailed it, but I never received a response. I am also including this letter, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a current copy of credit report as of today. As of today, there is new unverifiable information on my credit report listed within the Public Records section of my credit report. There is now a Bankruptcy  being shown that is formally being dismissed. I have disputed this alleged account on multiple occasions this has been directly with CFPB assistance and disputed this negative allegiant Public Record with TransUnion, XXXX and XXXX  on so many times - - - I can NOT even count anymore! 

These credit bureaus have made it beyond impossible to fix this error on their behalf and have not yet as of this date shown any accurate verifiable and certifiable proof of alleged Public Record.

Attached you will find written communication with review to assist with a permanent deletion.

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 2021-07-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent out Dispute Letters to Experian, XXXX, And XXXX  for inaccurate information on my Credit Report on XX/XX/XXXX. I did not receive a reply back from Experian and XXXX. I then sent out a second round of Dispute Letters to On XX/XX/XXXX to again dispute the inaccurate information still being reported on my report and still have not received an response from Experian or XXXX. This has been well over the allotted time for an investigation. Please Advise.

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 2021-07-12 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 Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: GA

Complaint narrative:
To whom it may concern ; Under 15 US code 1681b-Permissible purposes of consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer of whom it relates.

I, XXXX : XXXX  never gave XXXX  any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached & copy of dispute letter domestic return receipt. 

I would like to paid for the default judgement this has affect my life for the worst. I like to receive a check of {$5000.00} for fraud, Defamation and pain and suffering.

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 2021-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LTD Financial Services, L.P.
State: NC

Complaint narrative:
LTD Acquisitions LLC is reporting false and inaccurate information on my credit report.

This company is alleging ( by reporting ) that I owe and amount on an account that is still open. Collection agencies are not lawfully allowed to report an account as open, nor are they lawfully able to report a past due balance. 
This alleged debt has also never been validated after them calling me repeatedly ( after being advised to only contact me by mail ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ) .On 07/12/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on 07/12/2021, I contacted Transunion via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. Transunion is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent out Dispute Letters to XXXX, Equifax, And XXXX  for inaccurate information on my Credit Report on XX/XX/XXXX. I did not receive a reply back from XXXX  and Equifax. I then sent out a second round of Dispute Letters to On XX/XX/XXXX to again dispute the inaccurate information still being reported on my report and still have not received an response from XXXX  or Equifax. This has been well over the allotted time for an investigation. Please Advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Rushmore Loan Management Services LLC on behalf of XXXX XXXX ( Recent ) has not reported my Mortgage to the credit companies in 6-7 years since I was sold to them from XXXX. Making it look like I do not own property and am not getting the credit I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: GA

Complaint narrative:
I was advised that I can reached out to you all for help. I went to trade my car in and the man at the dealership said my credit would not allow it. I immediately signed up for one of those credit thingy and saw some things on my credit that is not mine. One thing that really stuck out was a bankruptcy. I called the Northern District of GA Bankruptcy and they lady at the clerk office told me that my social security number was not in their system and there is not bankruptcy for me. They told me to contact some company that has public records or something and the said the exact same thing so how is this possible smh. The other ones were XXXX XXXX, XXXX XXXX XXXX, XXXX? XXXX and XXXX GEM. I reached out to the FTC to let them know and the police here. I need help with this im doing this on my own and really need some help.

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 2021-07-12 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: GA

Complaint narrative:
I was advised that I can reached out to you all for help. I went to trade my car in and the man at the dealership said my credit would not allow it. I immediately signed up for one of those credit thingy and saw some things on my credit that is not mine. One thing that really stuck out was a bankruptcy. I called the Northern District of GA Bankruptcy and they lady at the clerk office told me that my social security number was not in their system and there is not bankruptcy for me. They told me to contact some company that has public records or something and the said the exact same thing so how is this possible smh. The other ones were XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX? XXXX and XXXX XXXX. I reached out to the FTC to let them know and the police here. I need help with this im doing this on my own and really need some help.

Company response to consumer: Closed with explanation