vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 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: AZ

Complaint narrative:
I contacted this company to dispute an item they are wrongly reporting on my credit report. They said they don't have to provide verification as they are the original creditor. But their info and address are on my credit report. I have two distinct problems with this company : 1. I don't recognize the item on my credit reports, to begin with. I am asking them to verify with competent evidence, bearing my signature, that the item is being reported accurately. I contacted them because THEY are the ones on my credit reports and it's THEIR address I see. So either this company is out of line and has directly violated the FCRA and FDCPA by not verifying this alleged account following a formal dispute, or they are reporting false and unverifiable information, also a direct violation of the FCRA and FDCPA. 

2. If they in fact feel they are not subject to the FCRA and the FDCPA, and do not need to provide verification that the alleged account is mine, then they need to remove this account from my credit reports because they have no business reporting an account that can not /will not be verified as mine with competent evidence bearing my signature verifying that I am contractually obligated to pay the alleged amount. 

Both of these issues represent a very serious error in their reporting and they are unwilling to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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:
I contacted this company to dispute an item they are wrongly reporting on my credit report. They said they don't have to provide verification as they are the original creditor. But their info and address are on my credit report. I have two distinct problems with this company : 1. I don't recognize the item on my credit reports, to begin with. I am asking them to verify with competent evidence, bearing my signature, that the item is being reported accurately. I contacted them because THEY are the ones on my credit reports and it's THEIR address I see. So either this company is out of line and has directly violated the FCRA and FDCPA by not verifying this alleged account following a formal dispute, or they are reporting false and unverifiable information, also a direct violation of the FCRA and FDCPA. 

2. If they in fact feel they are not subject to the FCRA and the FDCPA, and do not need to provide verification that the alleged account is mine, then they need to remove this account from my credit reports because they have no business reporting an account that can not /will not be verified as mine with competent evidence bearing my signature verifying that I am contractually obligated to pay the alleged amount. 

Both of these issues represent a very serious error in their reporting and they are unwilling to do anything about it.

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 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UMPQUA HOLDINGS CORPORATION
State: OR

Complaint narrative:
Around XX/XX/2022, a check I had written was processed earlier than I expected, and I incurred a {$35.00} overdraft charge. While I think this is excessive, I understand it was my fault. Knowing the check cleared early, I transferred funds to cover, since I had also written 2 {$10.00} checks that needed to be covered. The bank processed the {$120.00} check first, which overdrew the account, then processed two {$10.00} checks, which further overdrew the account, resulting in two additional {$35.00} overdraft charges. When I checked with the bank, they essentially said, tough, my problem, and wouldn't budge. Been a customer for years, using a variety of their products. When I asked about their order of processing checks, they refused to answer. While I acknowledge the first OD charge, the last two are outrageous and unfair.

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 2023-03-14 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: MI

Complaint narrative:
I was trying to purchase a home and found out I had negative items on my reports that's hindering me from doing so but according to the law 15 U.S.C, 1681 there shouldn't be any negative reportings on my consumers report and its definitely Deformation of Character.

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 2023-03-14 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: AZ

Complaint narrative:
I have sent 3 certified letters to this company, dating back to late XXXX, disputing this alleged account. I have asked them to provide competent evidence, bearing my signature, that I am contractually obligated to pay this alleged amount. I also have written correspondence from this company stating they are unable to verify the debt as mine and unable to produce any competent evidence, bearing my signature, that I am contractually obligated to pay this alleged account. 

Therefore, it is unverifiable information and per the FCRA and FDCPA, any information that is unverifiable should be removed or corrected. 

I do not recognize this account. All I asked is for this company to verify that this debt actually belongs to me and is my duty to pay- which they have failed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: FL

Complaint narrative:
I sent a identity theft affidavit to transunion. And they failed to remove accounts that are not mine and product of identity theft violating my rights under 15 U.S.C. 1681 ] and identity theft victim rights

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 2023-03-14 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: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-03-14 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: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Per the attached letter and confirmed by my debt management plan with XXXX XXXX XXXX, my interest rate was agreed to be 10 %. 
However, for about 3 months I was charged the default rate of almost 30 %. I called and they promised an adjustment. None has come.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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 HONDA FINANCE CORP
State: NJ

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. 

American Honda Finance Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX has violated my rights. 



the closed off accounts that appear on my credit report and late payments also reveal information that remain on my profile for the next 7 years. 

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: UT

Complaint narrative:
See Attached I am disputing the following error on my report XXXX Section XXXX ID : Record XXXX XXXX All Wrong XXXXI am a female, not a male and my birthdate is XX/XX/XXXX n not XXXX. I was born female and still female. 
Record # XXXX Never lived in XXXX XXXX XXXX not my address- never lived in XXXX XXXX XXXX XXXX id theft- ( check zip and city dont even match ) Section XXXX All Inaccurate Records XXXX I havent had this phone? XXXX XXXX XXXX Never lived in XXXX or bountiful Section 4- I graduated in XXXX not XXXX Section 6- Records XXXX not my address- never lived in salt lake city XXXX id XXXX ( check zip and city dont even match. XXXX XXXX Never had a XXXX XXXX XXXX and I am a female not a male. XXXX XXXX I am not a male. XXXX XXXX Wrong Name and address Section XXXX Identity theft- this bankruptcy has a wrong address and names

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX Balance : {$26000.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: DISCOVER BANK
State: NY

Complaint narrative:
I am a authorized user on my cousins discover account for some reason it never updated me on XXXX and XXXX. It only shows on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, banking systems are to insure accuracy and fairness of credit reporting. The report of 30 days delinquent on XXXX of XXXX  by Capital One is erroneous. 

Furthermore... 

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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

No mail was delivered to consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy. 
XXXX ) Dept of EDXXXX - {$20000.00} XXXX ) XXXX  - {$1000.00} XXXX ) XXXX XXXX {$750.00} XXXX ) Dept of EDXXXX XXXX {$24000.00} XXXX ) Dept of ED/XXXX XXXX {$23000.00} XXXX ) Dept of EDXXXX - {$22000.00} XXXX ) Dept of ED/XXXX XXXX {$21000.00} XXXX ) Dept of ED/XXXX - {$13000.00} XXXX ) Dept of ED/XXXX - {$7500.00} XXXX ) Dept of EDXXXX - {$6600.00} XXXX ) Dept of EDXXXX - {$6100.00} XXXX XXXX Dept of EDXXXX - {$5000.00} XXXX ) Dept of EDXXXX - {$3500.00} XXXX ) Dept of ED/XXXX XXXX XXXX$3200.00} XXXX ) Dept of EDXXXX - {$3100.00} XXXX ) Dept of ED/XXXX XXXX {$2100.00} XXXX ) Dept of EDXXXX  - {$2000.00} XXXX ) Dept of ED/XXXX XXXX XXXX$1400.00} XXXX ) Dept of XXXX - {$1100.00} XXXX ) Dept of EDXXXX - {$1000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX ) XXXX Acct # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX ) XXXX Acct # XXXX XXXX ) XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX XXXX  Acct # XXXX XXXX U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C, 1681 Section 604 A. Section 2. It also states that 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 reporting 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation