vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-22 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 XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX 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.

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 2022-07-22 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:
In accordance wi the fair credit reporting act, XXXX I account number 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
This creditor is attempting to collect a debt that does not belong to me. My information was stolen by identity theft. The creditor was alerted and is still harassing me and reporting inaccurate information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: NC

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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 XXXX  Account # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX ), # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22 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: NV

Complaint narrative:
XXXX, XXXX, XXXX and XXXX are credit reporting agencies. They are not credit bureaus. The only bureau that exist regarding consumers is the Consumer Financial Protection Bureau. Capital One is reporting false and negative information to my consumer credit report. Capital One is responsible for fixing it. I demand you correct your mistakes, update my consumer credit report, reflecting the correct information. Capital One did not have permission to give my personal information to the credit reporting agencies. Under the Truth in Lending act, Pursuant to Title 15 U.S. Code 1605, the Finance Charge in connection with any consumer credit transaction is the SUM OF ALL CHARGES. That includes late fees and lien fees from any title company. I was never late making payments. However Capital One is reporting a 150 days late fee to my XXXX consumer report. Pursuant to 15 U.S. Code 1666b a credit card ( social security number ) under an open end credit plan can not be treated late for any purpose. Capital One is reporting 30 days late in XXXX XXXX 60 days late XXXX XXXX 90 days late XXXX XXXX, 120 days late XX/XX/XXXX and 150 days late and XX/XX/XXXX. Capital One Received payment in full. According to CFPB 1016.7, and Pursuant to Title 15, U.S Code 6802 ( b ) Capital One was supposed to provide a form of opt out notice to consumers giving consumers the option to opt out of reporting private information to credit reporting agencies. Capital One has never sent a form of opt out notice, via email, mail, or electronically. I am demanding that Capital One remove or update the account with accurate reporting..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: CA

Complaint narrative:
This is to inform to the CFPB of the bad practices TransUnion has caused to my consumer credit report today. Thursday XXXX XXXX XXXX as I was reviewing my personal information on TransUnion, I have noticed my name spelled incorrectly. on my personal info also as know is showing a mis spell name by the name of XXXX XXXX XXXX I decided to call TransUnion to inform the name off XXXX XXXX XXXX which this name is in accurate. I have spoken over the phone with a representative and she mentioned that in order to change the name that appears incorrectly on my TransUnion credit report she needs to generate information from her system and since the information wasnt generated. by her policy, they can not remove the inaccurate name showing on my credit report. Even though she had verified my information over the phone she was discussing my credit report. it does not make sense for me to mail my information if she already knows the right person she's talking to. I have verified my information over the phone to TransUnion she will not remove that inaccurate name showing on my credit report. I have provided in the past my Social Security. my change of address and my California ID. TransUnion that information is on her system and if my information wasn't in her system why do I receive mailing correspondent to the address. and yes, I do have a security alert on my TransUnion as a consumer I am requesting a removal from that inaccurate information you as a creditor is to make sure that the information you furnish is accurate not 95 % but 100 %. I have provided you with the information you requested. your job is to remove my information that is inaccurate as soon as possible. is causing me problems. remove it is spelled incorrectly. and update my original address and eliminate the old address which this XXXX XXXX XXXX # XXXX XXXX XXXX ca XXXX does not received any correspondent mail anymore. 
thank you. 
Sincerely : XXXX XXXX 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 2022-07-22 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I have never applied for any loans with Affirm, Inc. my information was stolen and this account is inaccurately being reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Set-up XXXX auto-pay which was working well. Then tried to make an extra payment for $ XXXX on XXXX. XXXX applied it to XXXX statement - and payment took precedent over my full auto-payment. Realized the issue on XXXX and made full statement payment. Spoke with agent after got hit with {$200.00} interest charge on XX/XX/XXXX. XXXX said XXXX would investigate the issue and I'd get response with 7-10 days. Expressed concern that I'd get additional interest charges. She said to call back if that happened. It happened! Never heard from XXXX via phone, email, text message. Just got more interest charges. Continued to payoff statement balance and got hit with another interest charges for {$230.00} on XX/XX/XXXX. Spoke with agent on XX/XX/XXXX, he had no ability for resolution. Said I'd get a call from XXXX to resolve. Already been down that road. Reaching out to you for help. I'm paying my statement balance each month and XXXX is still hitting me with ridiculous interest charges

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The below account appears on my credit report. I have taken care of the account with the credit agency. I have contact Experian several time to have the account updated. They will charge it for a while and then it goes back to delinquent. I have sent proof of paying the account. I tried today to dispute it again and now their systems dates they will not review it again.

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 2022-07-22 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I was a victim of a scam, they even hacked my email and got all of my information in 2019. I have all the police reports, and the pictures of fake checks and hacking proof more than once. Money was stolen from my other account twice after that. I can't open a bank account because Early Warning refuses to correct my information. I have solved everything with XXXX  XXXX XXXX and XXXX. I'm asking for a resolution, to help me out to be able to open a bank account. It's not XXXX, XXXX, XXXX, it's not any other company preventing me from getting my life together.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BOK FINANCIAL CORP
State: CA

Complaint narrative:
This company is holding my XXXX hostage, I'm trying to close the account & move it to rollover ira, & they just will not do it, it's another excuse every time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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:
I did not authorize to consent nor benefit from the following account ( s ). Block and Remove

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 2022-07-22 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: CT

Complaint narrative:
I have a collection on my Equifax credit report. I have sent the company and the credit bureau letters to verify the debt and have asked that they provide me with the information they used to verify the debt. To date, no such information has been provided to me even though Equifax has stated the debt is valid and my credit file has been updated. I have advised Equifax multiple times that the debt is not mine since it can not be validated and that it needs to be deleted. I have also advised Equifax that reporting information that is not accurate is a violation of the FCRA. To date, they state the collection is valid, but have never provided me a signed copy of an agreement or any other information that validates the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: Upstart Holdings, Inc.
State: CA

Complaint narrative:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as wildland that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX Credit Bureau the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive response, I will have no choice but to exercise my right and pursue legal XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX UPSTART XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am making this complaint against XXXX XXXX, XXXX. for committing identity theft. I have never given XXXX XXXX, XXXX. any permission to use any of my identifying information to commit mail fraud by contacting me about any alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ) and lawfully discharging the debt pursuant to UCc 3-604 ( a ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX, XXXX. can provide me with sufficient documentary evidence that I have any legal or lawful obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX, XXXX. continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX, XXXX. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud and mail fraud. Upon the receipt of the document herein and of this notice, you are hereby notified pursuant to UCc 1-202f. Your promt attention and response are both requested and required.

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 2022-07-22 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:
In accordance wi the fair credit reporting act, XXXX I account number 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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:
In accordance wi the fair credit reporting act, XXXX XXXX XXXX XXXX account number XXXX has violated my rights and HIPPA violation 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

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 2022-07-22 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I checked my credit on XXXX to see a hard inquiry from JP MORGAN CHASE BANK dated for XXXX. I have not applied for any credit cards, anything a credit check would be necessary for, or given consent for my credit to be pulled. I began contacting CHASE XXXX to get this resolved. Their fraud department was closed so I gave up for the night with them. Submitted a dispute with XXXX XXXX and it was denied XXXX. Today, XXXX, I began calling Chase. I was redirected to 3 different numbers within the Chase company by the employees I spoke ( with no actual help, I explained to them my issue and they would give me a number and before I could clarify who I was calling they would legit hang the phone up while I was mid-sentence ) with to be redirected to XXXX. The automated service did not allow me to resolve my issue. I then googled XXXX and spoke with someone helpful to put a fraud alert on my credit but said I needed to submit a report here and gave me this website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22 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 XXXX  Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ), # XXXX XXXX XXXX, # XXXX XXXX XXXX ( Original Creditor : XXXX has violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ), # XXXX XXXX XXXX, # XXXX XXXX XXXX ( Original Creditor : XXXX has violated my rights.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: GA

Complaint narrative:
I did not authorize to consent nor benefit from the following account ( s ). Block and Remove

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 2022-07-22 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: GA

Complaint narrative:
I have been submitting letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered to be unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling my request should result to the immediate removal of the unauthorized inquiries listed below : US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  # XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX 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