vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Open balance {$470.00} Opened on XX/XX/XXXX ( XXXX yrs., XXXX mos. ) Remarks : Collection account - This account was not obtained by me. 

XXXX : Original creditor Open balance {$340.00} Opened on XX/XX/XXXX ( XXXX yrs., XXXX mos. ) Remarks : Collection account - I don't owe them anything XXXX : Original creditor Open balance {$2000.00} Opened on XX/XX/XXXX ( XXXX mos. ) Remarks : Collection account - This account doesn't belong to me.

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Open balance {$470.00} Opened on XX/XX/XXXX ( XXXX yrs., XXXX mos. ) Remarks : Collection account - This account was not obtained by me. 

XXXX : Original creditor Open balance {$340.00} Opened on XX/XX/XXXX ( XXXX yrs., XXXX mos. ) Remarks : Collection account - I don't owe them anything XXXX : Original creditor Open balance {$2000.00} Opened on XX/XX/XXXX ( XXXX mos. ) Remarks : Collection account - This account doesn't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been dealing with this issue with EXPERIAN since XXXX.EXPERIAN has continued to violate Fair Credit Reporting Act by continuing to report this charge off on my EXPERIAN credit report.i previously disputed this and attached all required documents to validate my identity,. I also requested application records or screen prints of internet/phone applications, statements, payments/charge slips, investigator 's summary, delivery addresses ' ; ; records of phone numbers used to activate the account or used to access the account and any other documents associated with the accounts. EXPERIAN was not able to provide me with any of the documents requested .According to federal law, this is a direct, wilfull violation of The Fair Credit Reporting Act to continue to report inaccurate/un verified information . I against notice to EXPERIAN on XXXX requesting to have this fraudulent account removed.XXXX  and XXXX have already complied with laws and removed said account.I have attached EXPERIAN response from my complaint on XXXX where EXPERIAN states the furnisher verified the account as accurate without giving me the information that I requested.I asked explicitly to send me validation of the debt, which has yet to be received a year later. Therefore, this fraudulent account should be removed IMMEDIATELY.

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 2023-09-05 00:00:00
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. U S DEPT OF EDXXXX account XXXX XXXX OFFICE OF THE ATTY GEN account # XXXX have all 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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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. U S DEPT OF EDXXXX account XXXX XXXX OFFICE OF THE ATTY GEN account # XXXX have all 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: PNC Bank N.A.
State: PA

Complaint narrative:
In XXXX of XXXX  I was quoted a rate on my home equity of XXXX on a Friday I picked up a check for {$20000.00} before spending the money my husband called the bank that Saturday and was quoted XXXX the following Monday we spent the money when the first statement came the rate was XXXX the employee who quoted the rate is gone and Pnc Bank  XXXX XXXX XXXX XXXX pa XXXXwill do nothing to help us they admitted the mistake and say the employee is gone I hope they are not working at another bank Pnc Bank really don't care they have done nothing not even a sorry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am being denied access that I once had the night before or day before I am unable to log into the site I am not able to even reach customer service with the number that they provided I had inaccurate information on my credit report that I was trying to dispute they dispute it some other disputes that I put in but the main one was not addressed for me

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 2023-09-05 00:00:00
Product: Credit reporting 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: WA

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

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

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

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

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 

CREDIT COLL ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize the following inquiries. 
XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting 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: WA

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

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

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

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

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case! 

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 

CREDIT COLL ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize the following inquiries. 
XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
Capitol One Bank USA N A Original creditor Open balance {$470.00} Opened on XX/XX/XXXX ( XXXX yrs., XXXX mos. ) Remarks : Collection account - This account was not obtained by me. 

XXXX : Original creditor Open balance {$340.00} Opened on XX/XX/XXXX ( XXXX yrs., XXXX mos. ) Remarks : Collection account - I don't owe them anything XXXX : Original creditor Open balance {$2000.00} Opened on XX/XX/XXXX ( XXXX mos. ) Remarks : Collection account - This account doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Bread Financial, formerly referred to as Comenity Bank or Comenity Capital Bank, closed my JCrew store credit card account without providing any advance notice either in writing or electronically via email. My account was fully up-to-date, with no outstanding payments due. Due to this, my credit score was negatively impacted, which adversely affected my financial standing. 

On XX/XX/2023, I contacted Customer Care at XXXX to seek assistance regarding the unexpected closure of my account. The bank 's automated system stated they were unable to reopen the account and immediately terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
There was a charge on my CC for {$1600.00}, when I noticed the charge I immediately called Bank of America informing them I did NOT make the purchase & that I was driving ti my house in Michigan on said date & only stopped at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. 
Says Transaction date was XX/XX/XXXX at a New/Used Car/Truck dealer online. I confirmed w/ my Husband and he also did NOT make the purchase, prior to calling Bank of America . We have 3 OLD Cars w/ no car notes. I have a XXXX XXXX XXXX Original owner & my Husband has a XXXX & XXXX ( unsure of his purchase dates off hand, but was NOT this year! ). 
When I looked up the website claiming I made the purchase it looks fake, barely anything on the site, I emailed them with NO RESPONSE, no other way to contact them other than their site that says so, but only through there and doesnt provide the email to me. No phone number. When I looked up the address ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, which I have NEVER been to in my LIFE! ) affiliated with the purchase it is a Residential area. I have absolutely NO IDEA what the purchase even was, because it wasnt me or my Husband. Where were the goods delivered they claim I bought? I only have my XXXX in XXXX XXXX  that has a XXXX  doorbell camera & my XXXX  in XXXX XXXX area that has a Package room. I told BOA this and they made a claim. As of this Friday they put it back on my CC claiming the merchant claims it was me. I am LIVID & requested they reopen, which they did Claim # XXXX I made an appointment tomorrow to go into the branch in person. This purchase was not me & Im willing to pursue charges on this merchant, as well as BOA if they do not rectify this situation. I have absolutely no reason to lie.

The customer service representative stated Based on my purchase history they arrived at the conclusion it was me. WHAT?!

Thats exactly what I said LOOK AT MY PURCHASE HISTORY! I buy for my current Homes & Cars, THATS IT! If/when I get another car it will be NEW & NOT USED! I do not understand how they can claim I made a purchase I do NOT have the goods for. So NOW he said theyll send me the merchants claim-proof, which I will then go file a police report. I have no idea who these people are, what the website does exactly, what theyre claiming I bought for {$1600.00}! But I will fight this until the end. PLEASE HELP ME!

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 monetary relief
Consumer complaint received 2023-09-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient Student Loan Servicer could not locate my account due to the fact that the account had the wrong social security number attached to my account. I was told that " I did not have an account with them. '' I am not sure if this is why I could not get loan forgiveness ... ..the fact that my " account did not exist. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HILLTOP HOLDINGS, INC
State: TX

Complaint narrative:
XX/XX/2023 I began getting notices about bills not being paid on time. The bank showed that the payments were sumitted on time but one was more than 2 weeks late. 

Then on the XX/XX/2023 more bills posted late or were returned to the after the account numbers had been changed, when I contacted the bank we checked and made sure the account number were correct in which thet were. 

Then after talking to a friend that banks at the same bank he told me about a letter he received about a data breach! 

XX/XX/2023 When I went back into the bank to talk a bout the data breach and if that could be the problem, then it was turned on me that I didn't know how to pay my bills on line. I've paid my bills on line for mor than 20 years. I went back to my other bank and started paying my bills thru them and have not had any more trouble. I'm trying to get this account shut down after having {$81.00} dollars in late fees that I should not have had to pay. 
As soon as I can I will shut the account down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I have disputed the ownership of debt that LVNV is claiming that I owe however as of to date LVNV has failed to provide actual proof that this debt belongs to me. Per 15 USC 1692g. Validation of debts I requested an original signed application with my signature and copy of my identification used to open said account. LVNV is not able to provide his documentation and as such is trying to collect on a date from that they can not verify belongs to me. Failure to provide such information upon request is in direct violation of the FDCPA and entitles me to damages of up to {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Opportunity Financial, LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
XX/XX/2023 they run a hard inquired for a car and I wasnt looking to purchase or get a car

Company response to consumer: Closed with explanation