vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

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


15 USC Section 1681 states i have the right to the privacy 15 USC 1681 section 604 A section 2 : it also states a consumer report furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I have never had any business with Credit Acceptance. However, this company has reported a {$20000.00} fraudulent debt to XXXX. Instead of asking this company for proof of this debt, XXXX took their word and placed this fraudulent debt on my credit report. I believe that XXXX did this because of my race and XXXX. I am an XXXXXXXX XXXX woman. This is slanderous and libelous. Credit Acceptance and XXXX should be held accountable for putting fraudulent debt on consumers credit reports.

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 2022-12-03 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: SC

Complaint narrative:
I have disputed the validity of an account listed on my credit reports with both Experian and XXXX. The creditor is XXXX XXXX and the disputes originated in XX/XX/2022 and again in XX/XX/2022. In my disputes with the bureaus I specifically requested that they provide me with proof of validation of account from XXXX XXXX. Both disputes with each of the bureaus were not resolved to my satisfaction as this information was never provided to me. Instead, the bureaus ( Experian and XXXX ) notified me that the creditor ( XXXX XXXX ) informed them that the account was indeed mine and thus they did not remove them from reporting as a negative item with the bureaus. The XXXX account does not belong to me which is why I am adamant about that and requested validation from the bureaus which they have not been able to provide to me, yet they continue to report the account accordingly. XXXX XXXX has made changes and added a comment to the reporting of the account claiming that it is " in collection '' instead of a charge off account which has now caused a significant drop in my FICO scores. Experian and XXXX continue to lower my FICO scores without merit or cause even though they can not or will not but definitely have not provided me with supporting documentation to support the inaccuracies in my report so they can continue to push their products and partner merchants to consumers like myself who value their credit worthiness.

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 2022-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: NY

Complaint narrative:
I received several emails from XXXX  XXXX, which is working through halsted financial ( which i do not understand how they can be two agencies coming after the debt ). The emails went from XX/XX/2021 to XX/XX/2021. On XX/XX/2021 I requested for the agency to validate the debt. Which could be validated by sending to me via email or postal service. After that date I have not received any validation, nothing regarding the debt and they refuse to respond. This is part of right for this to validated. Also they sent personal information to an email they thought was mine but never verified that either prior to doing it with information about a debt and amount owed ( with no validation of debt ) I believe they are now trying to pursue a judgment. With out covering my basic rights revolving debt. I have also read several articles of this agency going against consumers rights and a class action suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

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 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I 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 some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: PA

Complaint narrative:
No consent was given by me to furnish anything on my Consumer report. No Consent is 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 non-monetary relief
Consumer complaint received 2022-12-03 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: IL

Complaint narrative:
In accordance with the fair credit reporting act several accounts has violated my rights by reporting late payments. 


15USC 1681 section 602 states I have the right 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

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 2022-12-03 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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-12-03 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
in accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 USC 1618 Section 602 States I have the right to privacy.

15 USC 1618 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX of 2022, was denied credit by Citibank when I applied for a Citi Premier credit card. 

I have proof that I was discriminated against by Citibank due to the response I received about my credit worthiness dated XX/XX/2022, and XX/XX/2022. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1692k.

Citibank is in violation of 15 U.S.C. 1641, 15 U.S.C. 1681m, and 12 CFR 1002 because I, the consumer made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used, and I received NO benefit.

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 2022-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The account was added to my credit and I don't recognize the 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 2022-12-03 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: FL

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-12-03 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: FL

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
The company Ad Astra Recovery Se is trying to collect a debt of {$560.00} that has a derogatory mark on my credit report. They are not licensed in the state of Tennessee to collect the debt and I want it removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: IA

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

XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 602 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 consumer reporting agencies if the person knows or has reasonable cause to believe 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 2022-12-03 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I suspected fraud on my account so went to a local branch XX/XX/2022. I was told to close the account and reopen another. Not a problem, but I asked the bank employee twice if it would affect my social security deposit the following day, XX/XX/XXXX. He told me not to worry. 
The deposit went into my closed account on XX/XX/XXXX, but on XX/XX/XXXX it was removed. I immediately called the bank. They told me that my account was CLOSED to deposits and withdrawls!!! The woman I spoke with changed it back and asked me if I had been in the bank that day. I told her no. She said someone had gone into my account. Interesting. And changed something. 
I had been expecting a deposit from insurance and was happy it went into the closed account @ XX/XX/XXXX. I submitted another and had been waiting for it for days. I called the bank 3 days ago and was told that my account was CLOSED to deposits. I did not ever authorize this. I need to reiterate : the social security check was still not redeposited. I would stop into the bank weekly and this banker would be obviously annoyed at me for asking if they could see if the check was going in. So, apparently, according to the supervisor at the bank someone went back into my account unbeknownst and without permission from me and shut it down. I still do not have that last deposit which was returned and almost didnt get the social security check had I not called. This is in my opinion a serious violation of my rights. I have filed a complaint with the bank and was told to speak to the branch mgr. I have called several times and am told that the mgr is out and would I like to leave a message. I do and they never call back. Unfortunately Ive got a very XXXX XXXX  this week and was unable to go in person. I fully intend to once I am better.

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 2022-12-03 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:
Please see attached. I am a victim of Identity Theft. Experian has been negligent in helping me resolve this. Attached are my FTC report and documents.

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 2022-12-03 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: MS

Complaint narrative:
I have never had any business with XXXX XXXX. However, this company has reported a {$20000.00} fraudulent debt to Experian. Instead of asking this company for proof of this debt, Experian took their word and placed this fraudulent debt on my credit report. I believe that Experian did this because of my XXXX and XXXX. I am an XXXX American woman. This is slanderous and libelous. XXXX XXXX and Experian should be held accountable for putting fraudulent debt on consumers credit reports.

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 2022-12-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
15 USC 1681 Section 602 States I have a right to privacy.

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

In accordance with the fair credit reporting act XXXX account XXXX XXXX has violated my rights.

15USC 1666b : a creditor may not treat payment on a credit card account under an open-end consumer credit plan as late fee purpose

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 2022-12-03 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: NJ

Complaint narrative:
15 usc 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 A section 2 : it also state a consumer has furnish an account without my written instructions.

15 1666b : A creditor may not treat a payment on a credit card an open -end consumer credit plan as any purpose. XXXX XXXX reporting late payments with XXXX XXXX and Exquifax on my report. with the months of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: NJ

Complaint narrative:
15 usc 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 A section 2 : it also state a consumer has furnish an account without my written instructions.

15 1666b : A creditor may not treat a payment on a credit card an open -end consumer credit plan as any purpose. XXXX XXXX reporting late payments with XXXX XXXX and XXXX on my report. with the months of this year.

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 2022-12-03 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:
Equifax is being negligent. I am a victim of Identity Theft and Equifax is still reporting the fraudulent information on my consumer file. Attached is my Identity Theft report and letter to Equifax. I tried uploading these documents to Equifax 's website and the website would not allow me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right of 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-12-03 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: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right of 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation