vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act on my current credit report from the three credit agencies, XXXX, XXXX and Equifax, Reference # XXXX and 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 2023-04-24 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act on my current credit report from the three credit agencies, XXXX, Experian and XXXX, Reference # XXXX and 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 2023-04-24 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: IL

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$370.00}.

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 2023-04-24 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: LA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
Original Creditor : XXXX XXXX XXXXXXXX Original Creditor : 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 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 non-monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX reporting {$640.00} XX/XX/2023 Debt inaccurate /debt not validated XXXX XXXX XX/XX/2023 {$300.00}. 
Debt not accurate incorrect amounts Debt not accurate XXXXXXXX XXXX XXXX XXXXXX/XX/2023. {$520.00} Incorrect reporting debt not accurate dates inconsistent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/XXXX Discover received a payment for the amount of {$4000.00} in the form of a Money Order valued at the above mentioned amount, and written with the provisions for a full satisfaction of the outstanding balance. On XX/XX/XXXX I called Discover and spoke with Multiple representatives, where they agreed that they do accept Legal Tender, and was aware of the misapplied payment. At this point there was an investigation initiated, and they credited my account temporarily while the credit was being applied fully. Within 24 hours they reversed the credit without any reason or evidence of an acceptable conclusion. I waited until the next bill came to be listed online and saw there was no correction on the account. At this point I sent another payment to offset the updated balance of {$3900.00} and the 1st legal notice of payment tendered and opportunity to cure along with supporting documents which I have attached here. I have yet to receive a response but am still being collected on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to dispute the repossession of my vehicle by Capital One 's repossession department on XX/XX/2023. I was in the middle of a payment plan agreement with Capital One due to recent financial difficulties, which was agreed upon by a Capital One support representative. 

Unfortunately, I encountered issues electronically signing the payment plan agreement, which I attempted to resolve by contacting the support team several times. Despite my efforts, the agreement was broken, and the repossession department was notified. They informed me of a new agreement that included three payments of {$910.00} and a payment of {$600.00} due on XX/XX/XXXX. I was under the impression that the three {$910.00} payments were to catch up on my payments, and after these were made, I would continue with the {$600.00} payments. 

However, the repossession department waited until the first {$910.00} payment was already being drafted from my bank account to inform me that I had to make the {$600.00} payment on that day ( XX/XX/2023 ) to avoid repossession. I attempted to stop the {$910.00} payment, but this was not possible with XXXX XXXX at the time. Despite my efforts, the repossession of my vehicle was carried out by XXXX XXXX on XX/XX/2023. 

I dispute this repossession as I was in the middle of a payment plan agreement, and I had already made efforts to catch up on my payments. I also attempted to resolve the payment issues with Capital One support, but was unsuccessful. Furthermore, the repossession has caused significant financial and personal damages to my life, including my relationship with my landlord and my ability to access food and basic necessities. 

I urge the Consumer Financial Protection Bureau to investigate this matter and reinstate my lien on the wrongfully-repossessed vehicle. Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: AR

Complaint narrative:
To whom it may concern XXXX, Equifax, XXXX The following inquiries were not authorized by me please delete them I have never 1. XXXX XXXX XXXXAccount # XXXX 2XXXX XXXX  -Account # XXXX XXXXXXXX XXXX XXXX- Account # XXXX XXXXXXXX XXXXAccount # XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXXAccount # XXXX XXXXXXXX XXXXAccount # XXXX XXXXXXXX XXXXAccount # XXXX XXXXXXXX XXXX XXXX-Account # XXXX XXXX XXXXAccount # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction I never given my permission for a company to inquire about my credit states any inquiries made are unauthorized the presences of these inquiries on my credit report constitutes inaccurate information which under the fair credit reporting act must be removed once your investigation is completed please send me a copy of my updated credit report. I am a victim of Identity theft and the accounts listed below were established without my consent. I have enclosed a copy of my police report as proof that I have been a victim of fraud and I am Disputing these accounts understand that it is your responsibility to insure maximum accuracy in according to the fair and accurate credit transaction act all Fraudulent accounts must be deleted by a police report I demand that you remove these fraudulent accounts have hurt my ability to obtain any credit.

Thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: AR

Complaint narrative:
To whom it may concern XXXX, XXXX, Experian The following inquiries were not authorized by me please delete them I have never XXXX XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX  -Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXXXXXX XXXX-Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXX-Account # XXXX XXXXXXXX XXXX XXXXAccount # XXXXXXXX XXXX XXXXAccount # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction I never given my permission for a company to inquire about my credit states any inquiries made are unauthorized the presences of these inquiries on my credit report constitutes inaccurate information which under the fair credit reporting act must be removed once your investigation is completed please send me a copy of my updated credit report. I am a victim of Identity theft and the accounts listed below were established without my consent. I have enclosed a copy of my police report as proof that I have been a victim of fraud and I am Disputing these accounts understand that it is your responsibility to insure maximum accuracy in according to the fair and accurate credit transaction act all Fraudulent accounts must be deleted by a police report I demand that you remove these fraudulent accounts have hurt my ability to obtain any credit. 
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 explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have contacted my credit card issuer XXXX XXXX, along with the federal trade commission, and PayPal to notify them of a fraudulent transaction that I tried to work out with the merchant XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I purchased a online real estate course that and XXXX  coaching which I was not rendered. After months of reaching out to XXXX XXXX via email and phone I realized that I was scammed. The advertising was misleading all to get my {$2900.00}. XXXX did not return phone calls, meet the standards she set in the invoice nor give me a completed course. I contacted her a final time via email attached below before reaching out to other avenues for help to get a refund from PayPal for {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: NY

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: FL

Complaint narrative:
This is XXXX XXXX XXXX once again and I am submitting this CFPB Complaint to request to the Credit reporting Agencies to remove the fraudulent accounts and information off of my Credit File in accordance with the Fair Credit Reporting Act section 605b. I recently received an updated copy of my credit report and was shocked to find that there are still several accounts that I did not open and have no knowledge of and yet being reported on my Credit File. The accounts in question are as follows : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$2500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$9600.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. If the Credit Bureaus believe that the disputed accounts and information belong to me, I require the Credit Bureaus to send me any copy of proof of verification they may find during their investigation to prove that the disputed accounts belong to me. I strongly believe that the disputed accounts were results of the theft of my identity and must not be included on my Credit File.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 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: IL

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00}.

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 2023-04-24 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: IL

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$370.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: MA

Complaint narrative:
On XX/XX/XXXXXXXX I contacted TransUnion about the following incorrect information on my credit report. To this date, they have not responded. 


The following account was never late : XXXX XXXX  ( Date Opened : XXXX, Balance : {$0.00} ). Please correct this inaccurate information on my credit report. 
The following account was never late : XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Please correct this inaccurate information on my credit report. 
Because of incorrectly reported data, I require that your bureau verifies the following account : XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$770.00} ). I am unsure of the accuracy of the balance of {$770.00} that you report for this account, as I dont recall owing such a high amount. Your agency presented this account as closed and charged-off, so the past due amount is not supposed to be provided for this account. I am going to clarify this matter with the creditor. In the meantime, I ask you to mark this account as disputed, so that it won't have any further negative impact on my credit score. Additionally, I request that you verify the Date Opened, Date of Status, and First Reported for this account. 
The following account is not mine : XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$350.00} ). Please remove it from my credit report. 
Because of incorrectly reported data, I require that your bureau verifies the following account : XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$7100.00} ). I am unsure of the accuracy of the balance of {$7100.00} that you report for this account, as I dont recall owing such a high amount. Your agency presented this account as closed and charged-off, so the past due amount is not supposed to be provided for this account. I am going to clarify this matter with the creditor. In the meantime, I ask you to mark this account as disputed, so that it won't have any further negative impact on my credit score. Additionally, I request that you verify the Date Opened, Date of Status, and First Reported for this account.

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 2023-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
They are reporting missed payments on my credit report that is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: MA

Complaint narrative:
My name is XXXX XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX Date opened XX/XX/ Balance {$13000.00}

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 2023-04-24 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: TX

Complaint narrative:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX  Inquiry : 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