vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My auto loan due date is on the XXXX every month. There was a portion of XXXX still owed in XXXX but was paid by XX/XX/XXXX, which is 25 days pass the due date. The XXXX payment was made XX/XX/XXXX, which is 19 says pass the due date. Neither payment was made 30 days after the last due date. I called XXXX XXXX XXXX the first week in XXXX when I received a late pmt alert from Experian. I was told because a payment was not received on XX/XX/XXXX that its late. I explained on that date it is 12 days late not 30 as reported. The same conversation took place on XX/XX/XXXX when XXXX was reported late but was 9 days late and not 30 as reported. Experian did not remove the late payment but updated the dispute results it to include a late payment for XX/XX/XXXX. I spoke to Experian and was told they are not mediators.

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 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the rights to privacy.

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

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.

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 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX XXXXXXXX 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 1681 Section 611 Section 5 ( A ) ( i ) states any information disputed by a consumer that can not be verified or found inaccurate will be promptly deleted. The balance reported is inaccurate the original amount is {$1900.00}.

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 2022-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Today I received a Capitol One debit card in my name I never applied for. My credit bureau reports are locked and have a fraud and identity theft alert on them. I called and they will not give me anymore information until a police report is filed. How are they able to issue credit card when my reports are locked? Do they ignore the fraud and identity theft alerts?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: DE

Complaint narrative:
In accordance to the fair credit reporting act XXXX XXXX XXXX account # 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 a account without my written instructions. 



Date XX/XX/2022 Balance {$870.00} Attempted to dispute account as it is unrecognizable, dispute processed and no changes were made to credit 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 non-monetary relief
Consumer complaint received 2022-08-27 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: CORELOGIC INC
State: CA

Complaint narrative:
This is to inform the CFPB of the bad practices XXXX XXXX XXXX XXXX XXXX XXXX those companies have violated my rights by sharing my personal information without a permissible purpose in allowing third party companies pool my consumer credit report I have posted a freeze in 2021 on all credit bureaus until present day those companies steel passing around my personal private information illegally conducting and verifying information without no permissible purpose. they have conducted investigations in those informations come back verifiable I have asked those companies to provide me with this certification application documentation signature showing my permissible purpose I am requesting that verification I'm the following companies. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX bank ( negative {$700.00} ) The company XXXX XXXX bank has posted late payments on my consumer credit report 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This applies to all the companies mentioned above provide me with that verification application signature that I gave permission. You should have those documentations unfiled. If for any reason you can not provide me with those documentation have those items delete it from my consumer credit report.

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 2022-08-27 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: CBC Companies, Inc.
State: CA

Complaint narrative:
This is to inform the CFPB of the bad practices XXXX XXXX XXXX XXXX Innovis XXXX those companies have violated my rights by sharing my personal information without a permissible purpose in allowing third party companies pool my consumer credit report I have posted a freeze in XXXX on all credit bureaus until present day those companies steel passing around my personal private information illegally conducting and verifying information without no permissible purpose. they have conducted investigations in those informations come back verifiable I have asked those companies to provide me with this certification application documentation signature showing my permissible purpose I am requesting that verification I'm the following companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( negative {$700.00} ) The company XXXX XXXXXXXX XXXX has posted late payments on my consumer credit report 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This applies to all the companies mentioned above provide me with that verification application signature that I gave permission. You should have those documentations unfiled. If for any reason you can not provide me with those documentation have those items delete it from my consumer credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27 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: Capio Partners, LLC
State: TX

Complaint narrative:
There is someone else using my information! There is a XXXX XXXX with her husband name and credit coming on my report! What is going on! She is using my credit! There is fraud! 
Help plz XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27 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: FL

Complaint narrative:
In accordance with the fair credit reporting act : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, CA XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX have violated my rights. According to the Fair Credit Reporting Act sections 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have disputed these collections and they continue to claim they belong to me. I have not given any written consent to publish these collections on my report and refuse to take ownership of a bill that I have no knowledge of. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX both these collection agencies are claiming the same account but have conflicting information which makes it confusing to dispute. Please help me with this issue that is detrimental to my credit health. 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 non-monetary relief
Consumer complaint received 2022-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
XXXX XXXX has been billing me since XX/XX/XXXX and have placed charge offs on my credit profile until XX/XX/XXXX. I have disputed this with the credit bureau on XX/XX/XXXX to no avail and as a result, my credit has been negatively affected because of the many charge offs that they have placed, and to add insult to injury, they placed another charge off for XX/XX/XXXX. 

I have never bought a single item from this business and they are fraudulently billing me for a debt that I do not owe. I do not contain any receipts, because like I mentioned before, I never bought a single item from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have been a Chime member for over three years. I have had nothing but a positive experience until XX/XX/XXXX, when my account was hacked, and money was stolen from me. I had previously heard of other members experiencing fraud through Chime, but I refused to accept it. On XX/XX/XXXX, I received a notification from Chime indicating that my app had been accessed from a new location, and a new device. Immediately following that notification, I received another one stating that a transfer in the amount of {$360.00} was made to XXXX. I tried logging into my app shortly after, in hopes of figuring out what had transpired, only to see that I had been completely logged out of my app, and the password was reset, preventing me from logging back in. After this unauthorized transaction and failure to log into the app, I contacted Chime by phone in hopes of having the matter resolved quickly. Instead, I was met with customer service agents who went through the motions of investigating my case. These agents submitted a dispute of the transaction, and in less than 24 hours provided an update indicating, Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. Despite providing several screenshots of proof that I did not authorize any payments to any person, and proof that my account was accessed from a different location and device, Chime customer service failed to help me. In all of the years that I have used Chime, I had only used the Pay Friends feature, to make transfers between my fathers account and myself, therefore it is impossible that I would have made any transfers to other individuals. I am still arguing with them in hopes that they will return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
On or around XXXX I reach out to a company name Affirmn I expliened to this loan Company that services was never rebdered by the merchant infact later this year a police Report was filied case # XXXX was filed I also sumbmittied this evidene to Affrimn In former complaint with the XXXX XXXX XXXX complaint # XXXX yet this XXXX still reporting negative in dilquent to all credit agencies which is a volation Of 15 U.S.C. 1681 Section 602A states I have a 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 with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I opened a credit card with Capital One XX/XX/XXXX. All payments were paid as agreed every month except for XX/XX/XXXX. This was due to a medical emergency that I experienced that put me in the XXXX  for three and a half weeks. I was unable to make arrangements with Capital One due to my XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXt Account XXXX XXXX XXXXXXXX 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 1681 Section 611 Section 5 ( A ) ( i ) states any information disputed by a consumer that can not be verified or found inaccurate will be promptly deleted. The balance reported is inaccurate the original amount is {$1900.00}.

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 2022-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I was scammed by Fraudulent companies : XXXX and XXXX. 
They assured me that i would make a profit if I made investments through BINANCE. 
I sent them around XXXX XXXX and never made a single XXXX. I would like to point out that Binance failed me and failed to determine and realize that these transactions were made under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: Consumer Portfolio Services, Inc.
State: AZ

Complaint narrative:
in accordance with the fair credit reporting act XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
**************LOAN VALUE REQUEST FOR THE XXXX XXXX XXXX **************** On XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX IL . Financed by Santander USA. I am a victim of PREDATORY LENDING! 
I am requesting the LOAN VALUE on this XXXX XXXX  XXXX. I have attempted several times to reach your underwriting Dept. I have been hung up on twice by your office. 
Your office states you Santander USA does not have an Underwriting Dept or a Compliance Dept. Santander per your response back to CFPB You do have an underwriting Dept but NOT available for customers by phone. Please have your UNDERWRITING DEPT contact me by Email, written correspondence, Phone with a LOAN VALUE ASAP! 
THIS REQUEST IS FOR THE LOAN VALUE OF THE XXXX XXXX XXXX  THAT I HAVE BEEN CHARGED {$26000.00}. Who approved this loan? Who is managing the underwriting dept? 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX and AR XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX have violated my rights. According to the Fair Credit Reporting Act sections 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have disputed these collections and they continue to claim they belong to me. I have not given any written consent to publish these collections on my report and refuse to take ownership of a bill that I have no knowledge of. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX both these collection agencies are claiming the same account but have conflicting information which makes it confusing to dispute. Please help me with this issue that is detrimental to my credit health. 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 non-monetary relief
Consumer complaint received 2022-08-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, CA XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX have violated my rights. According to the Fair Credit Reporting Act sections 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have disputed these collections and they continue to claim they belong to me. I have not given any written consent to publish these collections on my report and refuse to take ownership of a bill that I have no knowledge of. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX both these collection agencies are claiming the same account but have conflicting information which makes it confusing to dispute. Please help me with this issue that is detrimental to my credit health. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: AR

Complaint narrative:
I have sent a formal complaint to the reporting agency because inaccurate information, incomplete information and unverifiable information is being reported on my credit report. This has caused great stress in my life because of this problem with the agency reporting this inaccurate, incomplete and unverifiable information. 

The first time I received a letter from the agency stating that they want to make sure that I am the person who is disputing and filing a complaint. I sent in verifiable identification documents and then I received a letter stating that the information was verified but they showed no proof, nor did they disclose any procedures that were done to prove that this information was verified and accurate as they have been reporting. As a consumer I requested the steps that the agency took to insure that these items were 100 % accurate under 15u.s.c.1681 ( i ( 7 ) Method of verification. Description of reinvestigation procedures.

Company response to consumer: Closed with explanation