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: 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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: LA

Complaint narrative:
My name XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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: AVANTE
State: FL

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 to privacy.

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

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

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: Other features, terms, or problems — Other problem
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX. XXXX. XXXXXXXX XXXX  XXXX. {$25000.00} 3.I 've submitted all the proper documents to prove my claim to all reporting agencies XXXX, XXXX have compiled base on my claim and remove said account from my credit report only Equifax remains to be corrected ... corrected/remove updated ... ( all documents sent by certified mail )

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 — Credit inquiries on your report that you don't recognize
Company: AES/PHEAA
State: GA

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 a 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.

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: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: MS

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

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

15 USC 166B : 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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: Southwest Credit Systems, L.P.
State: IL

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

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat 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: Improper use of your report — Reporting company used your report improperly
Company: American First Finance, Inc.
State: IL

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

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat 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: KY

Complaint narrative:
Back in XXXXXXXX XXXX XXXX  someone stole my identity and used it to purchase a vehicle and they also filed for unemployment benefits, credit cards, and other various accounts. Over the past 2 years Ive spoken with Credit Acceptance and XXXX several times and attempted to get this issue resolved with No result. Ive asked several times for a Letter of Validation from both Credit Acceptance and XXXX and havent received one although I was told it was mailed to me. I have done everything I was asked by both Credit Acceptance and XXXX with No updates or response in the past 6 months. Ive submitted both a Police Report and Affidavit of Fraud to show I am a True victim of Identity Theft. Still both Credit Acceptance and XXXX refuse to acknowledge my consumer complaint. I think its also a violation of my civil rights and discrimination. I almost at the point of retaining legal representation and filing a lawsuit against Credit Acceptance. I would like to know if I can get help here or what I can and should do next. Im attempting to fix this issue but its been a nightmare and XXXX stated they received something validating the account was mine however Ive never seen anything and they refuse to resend anything to me. I would just like to get this issue resolved promptly so that I can purchase a vehicle. It shows the vehicle as a repossession and someone named XXXX XXXX on the account. I have No knowledge of who this person is.

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: NM

Complaint narrative:
On XXXX XXXX I disputed a charge with XXXX for {$120.00} dollar payment my bank XXXX XXXX stopped when I had available funds. I disputed this claim also because I dont recall making a purchase at XXXX for this amount which I stated to the representative. I sent a letter via certified mail showing I had available funds and this was a bank error. XXXX XXXX representative told me on a recorded line that XXXX received a payment of {$110.00} and a payment of {$120.00}. Then another XXXX XXXX representative told me on a recorded line that the payment of {$120.00} processed only. Either way I disputed this claim I do not recall making it. I payed them in full for everything I allegedly owe and want this removed due to miscommunication with my bank. And if I disputed this claim on XXXX XXXX how is it 30 days late on my credit report?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

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 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 XXXX 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
im being told I applied for credit for furniture which is incorrect from XXXX retail over {$700.00}. ive advised I have recently received or purchased furniture. ive asked when the application was done & where but no information received.

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: CREDIT ACCEPTANCE CORPORATION
State: AL

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer repo furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit 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 reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
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 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.

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 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: NJ

Complaint narrative:
On XX/XX/XXXX I contacted Experian about the following negative accountsXXXX  ( XXXX Opened : XX/XX/XXXX, Balance : {$550.00} ), XXXX XXXX XXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$140.00} ), XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX, Balance : {$120.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$140.00}, Original Creditor XXXX XXXX ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$140.00}, Original Creditor XXXX XXXX ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$140.00}, Original Creditor XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX, Highest Balance : {$720.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  account XXXX  XXXXXXXX  has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy..

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

15 USC 1666B : A creditor may not treat payment on 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: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello, i have problems to open a new account, i gave my personal information and bank info for a loan that i apply to a fraudster by mistake on XXXX XXXX So the bank send me a text message that they will close my account for suspicious activity and to protect my account from frauds. 
Because i gave my ssn, address and ID State to a loan scammer as ( quick funding available ) And also after that I been receiving a lot of emails junks of offers from scam everyday

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XXXX XXXX XXXX  I contacted Equifax about the following negative accounts XXXX  ( Date Opened : XXXX XXXX XXXX Balance : {$550.00} ), Not Mine Account Number XXXX, Date Opened XXXX XXXX XXXX, Balance {$120.00} ), Account Number XXXX, Date Opened XXXX XXXX XXXX, Balance {$140.00} ), Account Number XXXX, Date Opened XXXX XXXX XXXX, Balance {$140.00} ), Account Number XXXX, Date Opened XXXX XXXX XXXX, Balance {$140.00} ), Account Number XXXX, Date Opened XXXX XXXX XXXX Balance {$140.00} ), XXXX XXXX ( AccountNumber XXXX, Open Date XX/XX/XXXX, Highest Balance : {$720.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My loan was PAID IN FULL mid-XXXX and account closed with supporting documentation XXXX XXXX XXXX  Yet again, it has is been reported as a NEW ACCOUNT and DROPPED MY SCORE! The balance of {$470.00} is still showing as owed which could soon be shown as a collection account. XXXX XXXX  has moved YET AGAIN BEFORE the 3 major credit reporting agencies although they claim they pull their information from them. ( Yeah, Right! ). My scores with Equifax and XXXX wasn't affected. The battle is seemingly constant regarding their reporting incorrect items to my account. I have freezes and alerts placed on my accounts for SEVERAL MONTHS now. Why are these inaccuracies continuing to be reported? How? This report is VERY shady. It seems instead of protecting yourself from ID thieves, you need to protect yourself from them. FED UP!

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My 2022 XXXX XXXX was recently totaled XXXX XXXX. XXXX has already finished the total paperwork for {$27000.00} in XXXX. My insurance has tried contacting them and so have I so that XXXX can receive payment for the car, but no one answers when we call or send correspondence for documents this has been on going for weeks. Not only that I cant finish my GAP claim so they can pay the rest of the money still owed until they do whats supposed to be done on their end. XXXX has not worked with me at all and they keep saying Im not paying, and reporting it to my credit. All I want is a resolution and for this to be over and done with.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My XXXX  XXXX XXXX was recently totaled XXXX XXXX. XXXX has already finished the total paperwork for {$27000.00} in XXXX. My insurance has tried contacting them and so have I so that XXXX can receive payment for the car, but no one answers when we call or send correspondence for documents this has been on going for weeks. Not only that I cant finish my GAP claim so they can pay the rest of the money still owed until they do whats supposed to be done on their end. XXXX has not worked with me at all and they keep saying Im not paying, and reporting it to my credit. All I want is a resolution and for this to be over and done with.

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: CREDIT ACCEPTANCE CORPORATION
State: AR

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 to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a lease 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: Bread Financial Holdings, Inc.
State: PA

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 to privacy.

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

15 USC 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 response to consumer: Closed with explanation