vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct xxxx XXXX XXXX XXXX acct XXXX, has violated my rights. 

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

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 then records of conviction of crimes which antedates the reports by more then 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.

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 1692c Communication in connection with debt collection 15 U.S.C Acquisition of location information 15 U.S.C 1692b ( 5 ) 15 U.S.C 1692d Harassment or abuse

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: CA

Complaint narrative:
I, a responsible consumer, XXXX, reasonably believe that I have been a victim of ID Theft. 

I detailed my story in my ID THEFT AFFIDAVIT ( attached ). I reached out to the XXXX Police department and filed a report. And I also filed a report with FTC and USPS. 

I HAVE FOLLOWED ALL THE ADVICE. I did everything XXXX saidvIbhad to do. 

It seemed like a lot of work! But I went down my to do list -step by step -ensuring I do the best I can as I attempt to navigate name clearing process, its frustrating that Ive come to a stop. 

An INFORMATION FURNISHER AND DEBT BUYER NAMED XXXX XXXXXXXX XXXX XXXX LOCATED AT : XXXX XXXX XXXX XXXX VA XXXX has very openly decided to ignore the rules of how to assist a victim of id theft. 


Can you please help me remind XXXX XXXX XXXX of the laws and protections for American citizens like myself. Im not going to pay two debts that ARE NOT MINE. 

Maybe XXXX XXXX XXXX dont understand rules? 


ACCOUNTS IN QUESTION ARE 2 COLLECTION accounts Owned by XXXX bought from XXXX one is for XXXX and the other is {$350.00}. 

BOTH ARE NOT MINE. 

Thank you for your help, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14 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: CA

Complaint narrative:
I, a responsible consumer, XXXX, reasonably believe that I have been a victim of ID Theft. 

I detailed my story in my ID THEFT AFFIDAVIT ( attached ). I reached out to the XXXX Police department and filed a report. And I also filed a report with FTC and USPS. 

I HAVE FOLLOWED ALL THE ADVICE. I did everything Equifax saidvIbhad to do. 

It seemed like a lot of work! But I went down my to do list -step by step -ensuring I do the best I can as I attempt to navigate name clearing process, its frustrating that Ive come to a stop. 

An INFORMATION FURNISHER AND DEBT BUYER NAMED XXXX XXXXXXXX XXXX XXXX LOCATED AT : XXXX XXXX XXXX XXXX VA XXXX has very openly decided to ignore the rules of how to assist a victim of id theft. 


Can you please help me remind XXXX XXXX XXXX  of the laws and protections for American citizens like myself. Im not going to pay two debts that ARE NOT MINE. 

Maybe XXXX XXXX XXXX dont understand rules? 


ACCOUNTS IN QUESTION ARE 2 COLLECTION accounts Owned by XXXX  bought from XXXX one is for XXXX and the other is {$350.00}. 

BOTH ARE NOT MINE. 

Thank you for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: Experian Information Solutions Inc.
State: FL

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

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2022-08-14 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: IL

Complaint narrative:
To whom it may concern : I have received a copy of my Equifax credit report and I noticed some late payments posted on my credit reporXXXX XXXX XXXXXXXX XXXX  Loan Account number XXXX XXXX XXXX XXXX  Loan Account number XXXX Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer rights the law clearly states ( a ) In GENERAL Subject to subsection see 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 Did I give you written instructions to furnish this on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( I ) exclusions from a consumer credit report clearly states ( 2 ) Exclusions-except as provided in paragraph three the term consumer report does not include ( A ) subject to section 1681 of this title Any report containing information solely as to transactions or experiences between the consumer and the person making the report Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily deletion of the above referenced account and sent out a free copy of my credit report after the changes have been made will result in legal actions being taken against your company for which I will also be seeking {$1000.00} per violation for 1. Defamation of character 2. Negligent embroiment of identity fraud 3. Fair debt collection practice ax 15 USC violations 4. Fair credit reporting act 15 USC 1681 violation for willing full noncompliance civil liability for willing for noncompliance 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A scammer utilized XXXX to impersonate my ex-husband. The scammer utilized XXXX to empty my TWO savings accounts into a new fraudulent account under my ex-husbands name.

The bank has done NOTHING to assist me in recovering my savings. Their investigation was insufficient. The investigation did not attempt to contact the ex-husband whose name was used to open fraudulent accounts. They did not follow the money transfers to see where it lead. 
Bank of America does not care about helping their customers. I have proof of fraud and still my claims were denied. 
There are two police reports concerning the Identity Theft & the Wire Fraud Theft

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 2022-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
My identity was stolen and used to open a checking, saving, and credit card accounts at Navy Federal Credit Union ( NFCU ) at the end of XX/XX/2022. Since getting notice of this, as a result of an alert from one of the credit agencies ( early XX/XX/2022 ), I have been unable to get Navy Federal Credit Union to close the account and absolve me of charges made to the credit card. They recently informed me that my dispute has been denied, and that I am responsible for charges made to the account. The account -- and outstanding charges -- have shown up on all my credit agency reports. 

It has been extremely difficult and frustrating to contact NFCU and have them acknowledge and correctly investigate these accounts. I have spent hours on the phone with them ( mostly on hold ), sometimes getting switched multiple times between the security and fraud departments. When I do get to speak with someone, they tell me the accounts are valid, and requests by me as to how to provide the necessary information/procedure to prove this is a case of identity theft have gone unanswered. They also do not provide an reason as to why my claim has been denied, or what was the basis of their investigation. This past Friday, they actually hung up on me after being on the phone for over 4.5 hours ( again, mostly on hold ). 

Their business practices are simply unethical. And customer service is awful. They should have never allowed these accounts to be opened, and thus far I have not been able to get them to close them despite hours of my time on the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14 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: CA

Complaint narrative:
In accordance with the fair credit reporting act XXXX accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
On XX/XX/XXXX I sent letters to Experian, XXXX and XXXX regarding unauthorized inquiries on my credit report negatively affecting my profile. I also requested my address to be updated reflecting my current address only and deleting all addresses reporting that I am not associated with. As of XX/XX/XXXX I have yet to receive a response.

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 2022-08-14 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: IL

Complaint narrative:
To whom it may concern : I have received a copy of my XXXX credit report and I noticed some late payments posted on my credit report XXXX XXXX XXXX Loan Account number XXXX XXXX XXXX XXXX  Loan Account number XXXX Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer rights the law clearly states ( a ) In GENERAL Subject to subsection see 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 Did I give you written instructions to furnish this on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( I ) exclusions from a consumer credit report clearly states ( 2 ) Exclusions-except as provided in paragraph three the term consumer report does not include ( A ) subject to section 1681 of this title Any report containing information solely as to transactions or experiences between the consumer and the person making the report Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily deletion of the above referenced account and sent out a free copy of my credit report after the changes have been made will result in legal actions being taken against your company for which I will also be seeking {$1000.00} per violation for 1. Defamation of character 2. Negligent embroiment of identity fraud 3. Fair debt collection practice ax 15 USC violations 4. Fair credit reporting act 15 USC 1681 violation for willing full noncompliance civil liability for willing for noncompliance 15 USC 1681

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 2022-08-14 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express ( bank ) inquiry XX/XX/2022 XXXX XXXX Bank XXXX finance ) inquiry XX/XX/2022 XXXX XXXX Retailer ) inquiry XX/XX/2022 XXXX XXXX inquiry XX/XX/2022 I dont recognize this inquiries. I didnt give authorization for this inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
My name is XXXX XXXX and I am filing this complaint myself against Ford Motor Credit for a 30 day late payment they reported on my credit report in XX/XX/2022. This 30 day late payment was reported due to a bank error on Ford Motor Credit 's end. In XX/XX/2022 I requested to have my lease extended due to the fact the new vehicle that I ordered from XXXX was not available yet. I provided Ford Motor Credit the order receipt to show that I was waiting on a new vehicle and in the meantime they were to extend my lease. I was waiting for my New Payment amount, and new payment date to be generated as their were no options to pay online because the new payment amount was not available on the system. I don't know how Ford Motor Credit expected me to make a payment when the option was not available by phone or online. This is clearly a bank error and needs to be corrected as this affected my ability to refinance my home because this Inaccurate Late Payment Reported by Ford Motor Credit has dropped my credit score XXXX points. I need this to be corrected in the next 30 days. I have consulted with a credit attorney that I have not hired yet to know my rights and what to expect. I am expecting this to be corrected in the next 30 days so I can save my time and energy hiring these attorneys to help me correct this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I initiated a consumer credit transaction at the end of XXXX to obtain a credit line increase. On XX/XX/XXXX, I received an adverse action letter from Capital One, discriminating against me. I have attached my response letter as well as supporting documentation regarding this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: AK

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the below company has violated my rights. 

XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: AK

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the below company has violated my rights. 

XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
I recently was denied a car loan due to the incorrect reporting and negligence Acima Leasing. They wilfully and knowingly reported incorrect and inaccurate information to the reporting companies. Acima Leasing is in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and 15 USC 1611 ( 1 ). They are reporting a vehicle lease on my consumer report which in fact it was not a vehicle lease it was a phone. They have made it hard for me to get to work with this wrong and fraudulent reporting. I have uploaded documents that I have sent them with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14 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: FL

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

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2022-08-14 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: EQUIFAX, INC.
State: FL

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

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have tried to get inquiries removed from my XXXX report that I did not authorize for my credit report to be pulled by XXXX XXXX XXXX XXXX on XXXX, American Express on XXXX, XXXX XXXX was supposed to be a soft pull on XXXX, And on XXXX XXXX  XXXX did a hard inquiry when it should have been a soft one.

Company response to consumer: Closed with non-monetary relief