vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-02 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. 
Account name : # 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

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 2022-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted XXXX bank several years in an attempt to resolve a past due balance on my XXXX XXXX XXXX. I asked for a supervisor several times because I wanted to have late fees removed in order to pay my balance in full. I eventually got to a supervisor and told him I just wanted to get the matter of the fees to be dealt with and I would be able to pay my balance in full. 

He lead me to believe that I was going to have my fees waived and would be able to pay my balance, however what he actually did was he entered the payment I made as a " settlement '' and closed my account. And now I have this account flagged as a settlement on my credit report, which was not what I agreed to, this has caused me measurable financial harm and this complaint is my last resort before filing suit in small claims court. 

Attempting to resolve this with XXXX, I was told by a representative that I did agree to a settlement for less than the full balance, which is blatantly dishonest, I paid the full amount of all funds received and asked that the late fees be removed, to call this a settlement for less than the full balance is something I consider to be almost defamatory as the account was " settled '' and closed without my informed consent.

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 2022-10-02 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: FL

Complaint narrative:
I contacted XXXXXXXX XXXX several years in an attempt to resolve a past due balance on my XXXXXXXX XXXX XXXX I asked for a supervisor several times because I wanted to have late fees removed in order to pay my balance in full. I eventually got to a supervisor and told him I just wanted to get the matter of the fees to be dealt with and I would be able to pay my balance in full. 

He lead me to believe that I was going to have my fees waived and would be able to pay my balance, however what he actually did was he entered the payment I made as a " settlement '' and closed my account. And now I have this account flagged as a settlement on my credit report, which was not what I agreed to, this has caused me measurable financial harm and this complaint is my last resort before filing suit in small claims court. 

Attempting to resolve this with XXXX I was told by a representative that I did agree to a settlement for less than the full balance, which is blatantly dishonest, I paid the full amount of all funds received and asked that the late fees be removed, to call this a settlement for less than the full balance is something I consider to be almost defamatory as the account was " settled '' and closed without my informed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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:
I contacted XXXXXXXX XXXX  several years in an attempt to resolve a past due balance on my XXXX XXXX XXXX. I asked for a supervisor several times because I wanted to have late fees removed in order to pay my balance in full. I eventually got to a supervisor and told him I just wanted to get the matter of the fees to be dealt with and I would be able to pay my balance in full. 

He lead me to believe that I was going to have my fees waived and would be able to pay my balance, however what he actually did was he entered the payment I made as a " settlement '' and closed my account. And now I have this account flagged as a settlement on my credit report, which was not what I agreed to, this has caused me measurable financial harm and this complaint is my last resort before filing suit in small claims court. 

Attempting to resolve this with XXXX I was told by a representative that I did agree to a settlement for less than the full balance, which is blatantly dishonest, I paid the full amount of all funds received and asked that the late fees be removed, to call this a settlement for less than the full balance is something I consider to be almost defamatory as the account was " settled '' and closed without my informed consent.

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 2022-10-02 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: IL

Complaint narrative:
To Whom it may concern, Thank you for your response but you have yet to address a credit inquiry I DID NOT authorize on XX/XX/2022. However in accordance with the law. 15 USC 168b : Permissible purpose of consumer reports include : employment, insurance, CREDIT, gov charge cards, child support, ext. Company MUST prove they had my permission! You have failed to provide me with any documemtation verifing you had my promising to access my credit report. ( For example ) credit application with my signature or ANY consent form granting you permission with my signature. The Fair Credit Report 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 the application electronic or physical authorizing the disclosure of credit files with my signature, I will accept the inquiry. So there is no misunderstanding I am asking you to provide me with the same proof you used to verify this inquiry as accurate. PLEASE RESPONSE ON THIS PLATE FORM, IF YOU CHOOSE TO SEND A LETTER AS WELL THAT IS OKAY WITH BUT RESPOND BACK TO COMPLAINT ON THIS PLATE FORM. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting act. The List of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 items of information, other than records of convictions of crimes with antedates the report by more than 7 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 2022-10-02 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. The List of accounts listed 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 items of information, other than records of convictions of crimes with antedates the report by more than 7 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 2022-10-02 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: AL

Complaint narrative:
In accordance with the Fair Credit Report act.

The List of accounts Below has violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 

List the account name here with the account # XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my Rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a customer reporting agency can not furnish an account without written consent.

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 2022-10-02 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: AL

Complaint narrative:
In accordance with the Fair Credit Report act.

The List of accounts Below has violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 

List the account name here with the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my Rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a customer reporting agency can not furnish an account without written consent.

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 2022-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I sent them a notice of dispute, debt validation letter and a letter of demand. Then I let them know the law says they cant collect until they resolve the dispute and there still trying to collect the debt, by telling me I still owe them and I still need to pay them by the 3rd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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:
On XX/XX/XXXX I reached filed a dispute with the Credit Bureaus due to inaccuracy on my Credit Report these accounts below In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights and failed to do or provide a thorough investigation within a timely matter or legal which is not only disappointing but unfair to me as it impacts me on the daily. 
15 U.S.C 1681 SECTION 602 A states i have the rights to privacy 15 U.S.C 1681 SECTION 604 A Section 2 : States a Consumer reporting agency can not furnish a account without my written instruction Dear : To Whom Receives this letter This Letter is to dispute billing errors I found for the amount of {$5800.00} and {$710.00}. I do not recognize these charges and want these off of my credit report. It's an improper charge which I do not recognize and isnt valid. Please update and remove this inaccurate debt off my report. Due to debt error of this unknow fraudulent bill on my Report in collections. Its put a hold which I didnt realize until I looked into my Report Summary and notice a bill of {$5800.00} and {$710.00}. I need this to be resolved removed and updated. Due to the fact of this debt does not belong to me, I dont recognize or authorized it and want it removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send me a Copy of my credit report with any updates done or inaccuracies corrected updated removed or validated to the address i have listed. thank you and hopefully we can resolve these inaccuracies in a timely manner due to the impact it has caused me and i hope this will be addressed and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: AZ

Complaint narrative:
Twice someone tried to get auto credit through XXXX XXXX XXXXXXXX. XX/XX/XXXX and XX/XX/XXXX. I called XXXX XXXX XXXXXXXX and they said they showed no record of an account and could not see inquiries. I then called Experian and they said that I had to call the bank and have them remove it. I now have 2 fraudulent attempts by someone to get credit through XXXX XXXX XXXX and I also have two hard inquiries on my report that is affecting my score. 
I would like the inquiries taken off of my report and I would like XXXX XXXXXXXX XXXX to screen applicants better to help prevent 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 2022-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXX loan amount {$100000.00} I was approved for the loan The dealership wanted me to put down $ XXXX as a finance charge to me who is the consumer buyer I explained law 15 us code 1611 Truth in lending statement and by them taking my information makes makes this a consumer transaction I also reference law 15 us code 1611 they also violated : failure to disclose, misleading saying false information, making cash part of a consumer transaction and I am not the one getting paid cash, also threats about them taking back the loan, I asked to see truth in lending statement he handed me a paper I took a picture of it then I asked to speak to finance manager to find out what my APR will be couple minutes later he came back and out of nowhere they said they denied me and they dont care what type of money I make to put down on the vehicle it wasnt giving it to me I would like to file : c & d, revoke of signature, affidavit of truth, debt validation I also like ownership of the property XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Plus finance charge {$80000.00}, {$1000.00} Per violation at least three, {$5000.00} for my time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02 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: MI

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 XXXXXXXX, XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States that 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 crime which antedates the report by more than 7 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 2022-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: CA

Complaint narrative:
My father always submits a money order of $ XXXX to Discover credit card company via mail. 
With a GOOD credit score and no late payments, my father has not had any issues except on XX/XX/2022 at XXXX, Discover sent a message acknowledging of payment received. 

XX/XX/2022, my father 's card did not work, so he called and found out that Discover received the payment BUT, since the last 4 digits of the money order did not match with XXXX, ( which is a bank that XXXX check cashing services is contracted under ), deemed it unauthorized, Discover shredded and dismantled the check without giving any knowledge in writing to my father whatsoever. 

My father called numerous times, spoke with 4 customer service agents, 2 billing agents, 2 supervisors, 1 personnel had an answer to why the LAST 4 DIGITS of the money order was considered to be UNAUTHORIZED by XXXX, which resulted in shredding/dismantling the money order. 
This contradicts because on my father 's Discover account, the records show Discover receiving payment on XXXX XX/XX/2022 XXXX. 

Since the money order account with PLS check cashing place is in an " open '' status, Discover was supposed to send an email and mail explaining why they have shredded and dismantled the money order check. 

This is negligence on Discover 's end because they received payment, posted payment, but since last 4 digits of the money order was considered unautnorized they dismantled the money order? 2 supervisors also noted that my father has never been late on payments. 

None of the supervisors can figure out why the money order was shredded nor was there any proof in writing submitted to my father, so he may be able to take the proof, close the current money order " open '' status and create another money order to be sent out to Discover. 

At this time, nobody has a direct answer or resolution to fix this ongoing issue.

Company response to consumer: Closed with explanation