vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-05 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: NJ

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 sec 602a says " There is a need to ensure consumer reporting agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting agencies and I XXXX ; XXXX. I have a RIGHT to make sure my PRIVATE INFORMATION isn't shared which is evidenced at 15 USC 6801 that says " It is policy of the Congress that each Financial Institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the secuIrty and confidentiality of those customers ' non-public information. XXXX XXXX XXXX XXXX is a financial institution by definition under title 15 usc 1681 sec 604a ( 2 ) that says " In general Subject to subsection ( c ), and consumer reporting agency may furnish a consumer report under the following conditions and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX the financial institution and the consumer reporting agencies XXXX and Experian DO NOT HAVE MY CONSENT to furnish this information and they certainly DO NOT HAVE MY WRITTEN CONSENT. ANY CONSENT TO XXXX, EXPERIAN, OR XXXX XXXX XXXX XXXX whether verbal, non-verbal, written, implied, or expressed IS REVOKED, RESCINDED, AND TERMINATED!! 15 USC 6802 ( b ) ( c ) says " A financial institution may not disclose nonpublic information to a nonaffiliate third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option XXXX XXXX XXXX XXXX XXXX  never informed me of my RIGHT to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) says Expect as authorized under subsection ( b ), no consumer reporting agency make any consumer report contain ANY of the following items of information ANY other ADVERSE items of information, other than records of convictions. ADVERSE means to prevent success.

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 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My email got hacked and my SSN was stolen on XX/XX/23. The identity thief set up an experian account in my name. I was able to lock my credit with the other 2 credit bureaus, but when I tried to create an account with experian, it said an account already existed with my SSN. I realized they set it up while they had access to my email, so that I wouldnt be able to lock my credit. I tried to reset the password, but it asked me 2 security questions. Since the thief set up the account, I obviously couldnt answer them. I called customer support and the best they could offer was a 72 hour lock on my account. They said to call back, but I have been unable to get through to a real person. This has allowed the person to open credit cards in my name. I even got an email telling me how easy it is to give XXXX XXXX the identity thief expanded permissions on the card he opened in my name, as he added himself as an authorized user. I am including a screenshot of the experian account creation email and the email from XXXX XXXX I just want to be able to get control of the account or get it shut down so I can create one. I am more than happy to provide whatever proof of identity is required to prove I am who I say I am.

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 2023-08-05 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: MO

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-08-05 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: NJ

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 sec 602a says " There is a need to ensure consumer reporting agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies and I XXXX ; XXXX. I have a RIGHT to make sure my PRIVATE INFORMATION isn't shared which is evidenced at 15 USC 6801 that says " It is policy of the Congress that each Financial Institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the secuIrty and confidentiality of those customers ' non-public information. XXXX XXXX XXXX XXXX is a financial institution by definition under title 15 usc 1681 sec 604a ( 2 ) that says " In general Subject to subsection ( c ), and consumer reporting agency may furnish a consumer report under the following conditions and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX the financial institution and the consumer reporting agencies Equifax and XXXX DO NOT HAVE MY CONSENT to furnish this information and they certainly DO NOT HAVE MY WRITTEN CONSENT. ANY CONSENT TO EQUIFAX, XXXX, OR XXXX XXXX  XXXX XXXX whether verbal, non-verbal, written, implied, or expressed IS REVOKED, RESCINDED, AND TERMINATED!! 15 USC 6802 ( b ) ( c ) says " A financial institution may not disclose nonpublic information to a nonaffiliate third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option 'XXXX XXXX XXXX XXXX XXXX never informed me of my RIGHT to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) says Expect as authorized under subsection ( b ), no consumer reporting agency make any consumer report contain ANY of the following items of information ANY other ADVERSE items of information, other than records of convictions. ADVERSE means to prevent success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 sec 602a says " There is a need to ensure consumer reporting agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I XXXX ; XXXX. I have a RIGHT to make sure my PRIVATE INFORMATION isn't shared which is evidenced at 15 USC 6801 that says " It is policy of the Congress that each Financial Institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the secuIrty and confidentiality of those customers ' non-public information. SPRING OAK CAPITAL LLC is a financial institution by definition under title 15 usc 1681 sec 604a ( 2 ) that says " In general Subject to subsection ( c ), and consumer reporting agency may furnish a consumer report under the following conditions and no other : in accordance with the written instructions of the consumer to whom it relates. SPRING OAK CAPITAL LLC the financial institution and the consumer reporting agencies XXXX and XXXX DO NOT HAVE MY CONSENT to furnish this information and they certainly DO NOT HAVE MY WRITTEN CONSENT. ANY CONSENT TO XXXX, XXXX, OR SPRING OAK CAPITAL LLC whether verbal, non-verbal, written, implied, or expressed IS REVOKED, RESCINDED, AND TERMINATED!! 15 USC 6802 ( b ) ( c ) says " A financial institution may not disclose nonpublic information to a nonaffiliate third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option '' SPRING OAK CAPITAL LLC never informed me of my RIGHT to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) says Expect as authorized under subsection ( b ), no consumer reporting agency make any consumer report contain ANY of the following items of information ANY other ADVERSE items of information, other than records of convictions. ADVERSE means to prevent success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: PA

Complaint narrative:
I contacted credit strong about an account associated with identity theft. They requested that I send in a police report after I sent them my FTC Report. A representative told me that the information would be removed. After sending in the information, they still did not remove the account and responded with ; Upon investigation and review of the documents provided, they have determined there is not sufficient evidence, and someone has been communicating with them from my email that was also hacked and utilized and was placed on the dark web. They have made this process extremely challenging and stressful, and at this point, I am feeling like this is aggravated identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 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: NV

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I will take further actions if these were not solved as soon as possible.

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 2023-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
I never received any information about the debt that the company bought to collect. I never received any phone calls, emails or mail about the debt they are trying to collect, but they reported it to the credit bureaus and its now on my credit report. I dont know how to contact them about the debt because I dont have any of the account info to look it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Without any explanation Equifax dropped my credit score XXXX points. I called to speak to them and they were insistent that they couldnt explain the drop but they could not correct. I check my credit report every day - all three of them - because I am in the middle of buying a home. I have one credit card showing a balance and I have spoken to that credit company. When the balance hit my score ( {$2900.00} on a {$3000.00} limit ). Equifax dropped my score as did other credit score companies about XXXX points due to the percentage of credit used. However, 3 days later, Equifax dropped my score another XXXX points with no explanation. It is an error on the part of Equifax and doesnt have to do with anything a lender is reporting. I have paid off almost all of my debt and just sold my previous home- this drop by Equifax is unexplained and will result in a negative impact to my ability to get the best mortgage rate on my new home. It needs to be corrected but Equifax customer service just says there is nothing they can do even though they cant explain a reason for the sudden drop which puts equifax score in the XXXX while both transunion and experian are in the XXXX. If these credit score companies are going to hold us hostage on the reported scores they should be able to correct what is an obvious error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Due to Covid 19 and other factors, my family 's financial situation became difficult, and we struggled to cope with the high interest rates on our credit cards. Eventually, we reached a point where we can no longer afford to repay the debts. However, the credit card company and collection agency are demanding large sums of money by applying compounding interest, resembling a debt trap. Over the years, they have taken interest that exceeds the principal from the credit card company, and now the collection agency is adding additional interest on top of that. We believe this is unfair, and we request that you follow proper procedures based on accurate calculations and provide realistic solutions such as debt reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I ordered merchandise from a web merchant however never received any merchandise. The purchase was financed through affirm.com, who paid a different merchant. 
I have been unable to contact either vendor and affirm.com is demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Re : Dispute of Unauthorized Hard Inquiries on [ XXXX XXXX XXXX ] 's Credit Report To Whom It May Concern, I am writing to dispute unauthorized hard inquiries that are present on my credit report. As a responsible consumer, I understand the importance of accurate credit reporting, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
The unauthorized hard inquiries I am disputing are as follows : [ XXXX  XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX  XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX  XXXX  ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX  XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX  ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] and [ XX/XX/XXXX ] [ XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] [ XXXX ] - Inquiry Date : [ XX/XX/XXXX ] Please note that I did not authorize or initiate these inquiries, nor did I provide written or oral consent for these parties to access my credit report. According to Section 604 ( a ) ( XXXX ) of the FCRA, a credit reporting agency may furnish a consumer 's report only under limited circumstances, such as when a consumer has given written or oral permission or when the transaction is initiated by the consumer. In this case, neither of these conditions has been met. 
As required by the FCRA, I kindly request that you conduct a prompt and thorough investigation into these unauthorized hard inquiries and remove them from my credit report. Under Section 611 of the FCRA, you must complete this investigation within 30 days of receiving my dispute letter. 
Please send me written confirmation that you have received this dispute and an updated copy of my credit report reflecting the removal of these unauthorized inquiries. If you determine that these inquiries were indeed authorized, please provide proof of my consent in writing. 
I appreciate your attention to this matter and expect a timely resolution in accordance with the FCRA and other applicable consumer protection laws. 
Thank you for your cooperation.

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 2023-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2020 a check from chase checking account made out to XXXX XXXX XXXX XXXX for the amount {$14000.00} Was meant to be deposited into the account of XXXX XXXX XXXX XXXXXXXX in XXXX XXXX XXXX, but the XXXX  XXXX XXXX returned the check to Chase or lack of endorsement and the funds went missing. I filed a claim for a check fraud with Chase and they did not refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
on XX/XX/23 my phone was stolen at my neighborhood pool and the thief got into my account and transfer IRS check out of my account in the amount of XXXX. I sent in all necessary documents such as a police report and FBI report. The investigation team sent me documents of how the investigation came back as no error and it showed the IP of my phone that was stolen and the times of when the transfer happened i also had a XXXX XXXX XXXX XXXX and im seeing XXXX XXXX listed on the investigation doc & i now have a XXXX XXXX XXXX & also had an address that was 28 minutes from my home address that i have no knowledge of when the transfer happened. They also dont have the name of financial institution that initiated charge on the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have reviewed my credit report and noticed an error on the following account : XXXX I have disputed this before with no proof of late payment and have been refused a proper investigation

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 2023-08-05 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: MI

Complaint narrative:
I have a big concern on how all 3 credit Bureaus aren't updating my credit report, like when my student loans of {$43000.00} and my credit card amount was up and all 3 credit Bureaus mostly based my credit score to go up only on my credit card being lower and to me, my credit score should have went up because {$43000.00} of my student loan amount was paid off and it was higher than my credit card amount. Plus I had refinance my auto loan from XXXX XXXX XXXX XX/XX/2023 and Equifax never updated that my auto loan was paid off and I had to dispute it and Equifax took there word stayed open on my credit report and I had to dispute again XX/XX/2023 to get it to say it's paid off and I show them proof that the amount of owing XXXX XXXX XXXX was false and show them the proof of {$24000.00} was paid off but Equifax still showed the false reported amount from XXXX XXXX XXXX and Equifax had shown that I had 2 auto loans open from XXXX to XX/XX/2023 and the other concern like I said above now that XXXX XXXX is paid off and credit card amount was up and by my auto loan was paid the credit Bureaus didn't up my credit score from that but only by the credit card amount being lower that's not right

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 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: NJ

Complaint narrative:
I have reviewed my credit report and noticed an error on the following account : XXXX I have disputed this before with no proof of late payment and have been refused a proper investigation

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 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have reviewed my credit report and noticed an error on the following account : XXXX I have disputed this before with no proof of late payment and have been refused a proper investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reached out to Experian on this matter on XX/XX/XXXX, XXXX asked the representative about the steps I had to take to properly dispute this item, but they placed me on a long hold. I had to go back to work- so I hung up believing that I could dispute online. When I tried to place a dispute online, I was given an error message saying I couldn't dispute the item.

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