vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-30 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: CA

Complaint narrative:
All of the companies below ran hard inquiries using my credit report without my authorization XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/202XXXX 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 XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022

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 2022-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureau stated that this account was properly re-investigated. Yet, they refused to provide the full disclosure that I requested per my rights via the Fair Credit Reporting Act. They sent another vague, verified letter, and supervisors refused to disclose the info used in their re-investigation. How was a proper investigation conducted when this random charged-off account now reflects an altered open/active status XXXX 2022? ( confirmed with multiple Transunion special handling supervisors ). TransUnion removed the " Date Closed '' section from the recent verified results letter. I have all proofs. This is grounds for removal as they violated my rights according to : 15 U.S.C 1681 A - definition ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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

15 U.S.C 1681 Section 804 A Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 

No payments were ever made to this creditor in accordance with their reported charge off date. Closed charged-off accounts can not be re-opened. Bureaus and creditors can not use illegal tactics to negatively effect my score twice to intimidate me into validating a random debt with payment. XXXX and XXXX have deleted this erroneous account. Please have Transunion follow through with deletion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX, I was a victim of identity theft. Upon reporting this incident to the FTC, I was instructed to file a claim with Equifax. Equifax has done nothing regarding this matter. 

Approximately XXXX, XXXX when applying for a mortgage, I discovered problems with my Equifax account. Among the problems, Equifax had changed my birth year to XXXX. As I had previously obtained a mortgage in XXXX, I am aware that in XXXX Equifax had my correct birth year. How did my birth year get changed? I had to go through significant efforts to correct Equifax 's mistakes. This strongly suggests that my Equifax account had been compromised between XXXX and XXXX- which corresponds with the data breach Equifax experienced. 

I believe my recent identity theft incident is directly related to the data breach at Equifax. As I have completed the claim form as instructed by the FTC, I believe that Equifax has a responsibility to address this matter. 

As consumers, we have no options - no choice - regarding these credit rating agencies who profit by using our personal information to sell to insurance companies, telecommunication companies, credit card companies and other industries. Credit reporting companies need to be strictly regulated and heavily penalized when they abuse the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
After reviewing my credit report, I have found numerous inaccurate names, aliases, addresses that do not belong to me. 
I sent a dispute letter via mail to the credit reporting agency to have the fraudulent, inaccurate, incomplete personal information removed from my credit report. 
After re-reviewing my report I found that the fraudulent, inaccurate, incomplete personal information is still being reported on my file.

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 2022-10-30 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: 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 account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, the XXXX XXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX ACCOUNT # 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 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 antedate 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
Consumer complaint received 2022-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
On XXXX XXXX, Franklin Collection Services reported a collection account for {$710.00} for an account with XXXX. The same account was previously reported on my credit report by XXXX XXXX XXXX on XX/XX/2020. I disputed the account based on the fact the account is not mine. The account is in a name that is not mine and I've never been known by the name. I NEVER RECEIVED a letter or a call from XXXX or Franklin Collection Services regrading this account. Additionally, I've never lived at the address that the account is connected to - nor have I ever lived in that state. I was able to successfully dispute the account placed by XXXX XXXX XXXX and it was removed from the report. However, it has shown up on my XXXX report again, but under Franklin Collection Services. I contacted Franklin Services via phone and email in which they verified there is no account listed under my name and that the account that I referenced was for a different person/name. Overall, I've disputed this account multiple times with XXXX with NO SUCCESS. They continue to state in the dispute results that the agency has verified the account is accurate. And now XXXX refuses to re-investigate the dispute. I do not accept those results. I've contacted the same collection agency and it was verified that the account is not accurate. It isn't under my name. My credit history will show that I never lived there nor is that my birth name or married name. The companies at fault are XXXX, XXXX and Franklin Collection for reporting incorrect information on my credit report and failing to do a thorough investigation. That said, if not resolved I plan to seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Ally Financial is reporting the following information on my credit report : 1. Payment history : number of times I alleged been late on my account, 2. Pay Status : alleged past due status, 3. Terms : The information listed above is better known as transaction is being reported on my consumer report. ALLY FINANCIAL IS ILLEGALLY REPORTING THESE TRANSACTIONS ( Payment history, pay status, Terms ) on my consumer reports! Ally Financial is in clear violation of the law. 
Pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) Subsection ( d ) CONSUMER REPORT Subsection ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does NOT include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences the consumer and the person making the report ; THE LAW AND THE FTC ADVISORY OPINION CLEARLY STATES XXXX Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( ALLY FINANCIAL ) making the report is NOT included on my consumer report! 
Payment History, Pay Status and terms are transactions of open end credit and closed end credit extended between the consumer ( ME ) and the person ( YOU ) ( ALLY FINANCIAL ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
ALLY FINANCIAL HAVE VIOLATED THE FCRA 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) by reporting this transaction or experience ( Payment History, Pay Status, Terms ) on my consumer reports which CONGRESS clearly states IS NOT to be included on my CONSUMER 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 2022-10-30 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: MD

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  - Account # XXXX, XXXX XXXX XXXX, XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX - Account # XXXX, XXXX XXXX - Account Number : # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXXXXXX XXXX - Account # XXXX US DEPT. OF EDUCATION/XXXX - Account # XXXX, US DEPT . OF EDUCATION/XXXX - Account # XXXX, XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX- Account XXXX XXXX, XXXXXXXX XXXX XXXX XXXX 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 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 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 2022-10-30 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: MD

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 - Account # XXXX, XXXX XXXX XXXX, XXXX - Account # XXXX, XXXX XXXX XXXX  - Account # XXXX, XXXX XXXX - Account # XXXX, XXXX XXXX - Account Number : # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXXXXXX XXXX - Account # XXXX US DEPT. OF EDUCATION/XXXX  - Account # XXXX, US DEPT . OF EDUCATION/XXXX - Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX- Account XXXX XXXX, XXXXXXXX XXXX XXXX XXXX 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 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 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 2022-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: OR

Complaint narrative:
I received a line of credit of a XXXX dollars so I took out a draw of XXXX around XXXX XXXX  and the other XXXX around XX/XX/2022 on this XXXX dollars I made XXXX payments XXXX dollars XXXX dollars and a pay off of XXXX dollars XXXX left my account with them owing me XXXX cents.then didn't use the line of credit again until XXXX 2022 took out the XXXX dollars then a few days later they tried taking around XXXX dollars out of my account saying it was 195 days of back intrest on the loan that I had paid in full on XX/XX/2022 that left them owing me XXXX cents I have reached out to them lots of times all I get in response is there very sorry and they will escalate the problem to upper management nobody ever calls XXXX ask them what my payment is on the money I actually do owe them and they can't tell me that because it is all been added together. So I don't know what to do because I can't make the payment on the money Iowe because they keep trying to take money out of my account for the loan that I have paid in full on XX/XX/XXXX I'm so frustrated it seems that they are trying to scam me out of money that I do not owe. I am trying to be fair and set up payments on the recent line of credit I took but I will not pay any money on the prior line of credit that I paid off on XX/XX/2022 that left them owing me XXXX cents wich they deposited back into my account on XX/XX/2022 because that was what was owed to me after payoff. So now they keep trying to take money out of my account wich I am not going to let happen until the issue with the last line of credit is resolved. I will start making payments on the draw that I received on XX/XX/XXXX when they fix my account and send me documentation showing me that I am only being charged on the line of credit that I received on XX/XX/XXXX. But all they do is give me the run around every time I call. Don't know what to XXXX recently tried taking almost XXXX dollars they are a tribal line of credit and if I can't get answers out of them I don't know who to turn to to get closure from this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
( 1 ) I have an existing and active Capital One credit card with a maximum credit of {$400.00}, and on XX/XX/XXXX, XXXX XXXX XXXX transacted an unauthorized amount of {$39.00} on to the card ; ( 2 ) Resolving the issue with XXXX was to no avail, so I contacted Capital One to dispute the transaction on the grounds that XXXX has not provided me with any showing by way of the video, and the amount of the toll ( s ) ; if such occurred ; ( 3 ) In response, Capital One took my rendition of the facts, informed me that they will investigate, and cancelled my card ending in XXXX, and issued a new card ending in XXXX ; ( 4 ) Upon completion of their investigation, Capital One sided with the merchant-as they always do ; yet, failed and refused to provide me with evidence of the basis by which I brought the dispute. In addition, Capital One informed me that if the merchant was to reinitiate the transaction, that Capital One will not allow me to dispute it, and that the reinitiated transaction will stand ; ( 5 ) Capital One has failed and refused to provide me with a video of the car going through a toll multiple times, and the price of the toll ( s ) ; which can only be substantiated as fact via the State 's XXXX website. Without this information, Capital One 's decision is not founded on the facts, but erroneous and baseless assertions by XXXX. In addition, XXXX is charging a {$30.00}, admin fee, a junk fee, that I never agreed to by any showing of my signature; ( 6 ) In addition, Capital One asserts that their reason is due to my having a 'relationship ' with the merchant and that it is not fraud. ( SIDE NOTE : Fraud and unauthorized are two entirely different concepts and Capital One 's dispute structure is designed to place a hidden veil on the latter when it comes to disputes to one 's card transactions. ) ; ( 7 ) Thus, Capital One issued me a new card ; yet, told me that " if '' the merchant chose to reinitiate the ( unauthorized ) transaction that they will allow it to stand. Yet, on XX/XX/XXXX, XXXX reinitiated a new unauthorized transaction. How could this happen unless Capital One provided XXXX with my new card number ; thus, aiding XXXX in the fraud? Lastly, Capital One has not provided me with any documents from XXXX showing by my signature that I specifically, agreed too, or waived any dispute against XXXX for unauthorized charges AGAINST a new card number. Let me repeat that, a New Card number, not the old card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bliksum, LLC
State: CA

Complaint narrative:
Debt was a result of identity theft, have tried to remove this account off my credit multiple times, the collector has not provided proof of validity. This debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
A few months ago I have moved back to the states. I opened a bank account and they said I have my personal credit information compromised. Following bank and credit instructions I wrote XXXX certified letters and sent them out on the XX/XX/2022, to XXXX, Transunion and XXXX with a copy of my ID and copy of my SS. Although I didnt like the idea of sending all my information they said this was the only way to verify my information and solve my credit report. 
It cost me {$23.00} plus my time and frustration to send these letters proving my identity. 
Two of the credit companies have now answered me with a very poor information, no report and basically say to send the information again. XXXX which was my main concern has not answered and the letter was picked up by who knows who. 
It is unbelievable that there is no way by phone or email to find a solution and even a registered mail is not taken into a more professional consideration. 
I have been rejected by basic credit cards and I want to start building credit but I dont know how to go around this problem.

How do I get to verify my credit information when these three companies just wash their hands. Im sure Im not the first person to move back home after 20 years and want to start all over again. I have proof of everything and I want to find a solution. Thank you

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