vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-29 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 furnish a account without my written instructions ( CHAPTER 7 BANKRUPTCY ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
My accounts were involved in a class action lawsuit and I wanted to go about getting it removed from my credit report. The dealership didnt let me know that I was being charged high interest rates because I had a low credit score.

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 2023-10-30 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Delete State of mi child support in accordance with the Fair Credit Reporting act XXXX XXXX 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 ( STATE OF MI CHILD SUPPORT ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The company misallocated my on-time payment to another customer 's account and incorrectly reported my account as late. 

Account in Question : XXXX XXXX  incorrectly reported as late in XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The company misallocated my on-time payment to another customer 's account and incorrectly reported my account as late. 

Account in Question : XXXX XXXX  incorrectly reported as late in XXXX 2021.

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 2023-10-30 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Company : XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX  ) Account Number:XXXX I requesting the Original Consumer Contract with my signature on it. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Section 611 ( 5 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone could fax, mail, or email in fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) from the account listed above. Under the FCRA, unverified accounts must be removed if you are unable to provide me a copy of verifiable proof. 

Promptly DELETE all information if you are unable to provide me a copy of my request.

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 2023-10-29 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 furnish a account without my written instructions ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-30 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: IL

Complaint narrative:
The following XXXX unauthorized inquiries appeared on my credit report. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 The following 1 unauthorized application was submitted to the vendor listed below although nothing was listed on my credit report -XXXX XXXX XXXXXX/XX/2023

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 2023-10-30 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: IL

Complaint narrative:
The following XXXX unauthorized inquiries appeared on my credit report. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 The following 1 unauthorized application was submitted to the vendor listed below although nothing was listed on my credit report -XXXXXXXX XXXX XXXXXX/XX/2023

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 2023-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Account Name : Hyundai Motor Finance Account Number : XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, The item on my credit report has turned into a charge off but I noticed you never sent me a XXXX would you be so kind to send me a XXXX for a cancellation of debt of this item due to my financial hardship I would greatly appreciate it as you know I have gone through a serious financial hardship, and this would help me with my credit in the future. 

Thank you so much, 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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with Equifax concerning my credit report. My Equifax confirmation number is XXXX. My Equifax credit report erroneously stated that I was born on XX/XX/XXXX. However, my actual date of birth is XX/XX/XXXX. I supplied a copy of my attached drivers license when disputing the incorrect date of birth. I received the attached Equifax credit report today, XX/XX/XXXX. Although page three of the report does state that my date of birth was correctly updated, page eight of the report states that I was born on XX/XX/XXXX. That would make me XXXX XXXX XXXX. There is no factual basis for this baffling assertion. Moreover, I noticed that my old landline phone number of XXXX was added to my credit report. I disconnected my landline in approximately XXXX. My correct cell phone number is XXXX. Furthermore, when I logged into my Equifax user portal, I received an error message stating your Equifax credit report and score are not available at this time due to a technical error. The error message code was XXXX. These errors need to be rectified forthwith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 furnish a account without my written instructions ( XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX 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 ( STATE OF MI CHILD SUPPORT ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account 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 ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: NY

Complaint narrative:
I sent a letter out on XX/XX/ to Experian, XXXX, and XXXX. Here are my tracking numberXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a Definitions ; rules of construction.

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who they spoke with. 
How did they complete this investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been a Capital One customer for years in many different capacities. But, I am really frustrated with Capital One because I have been unable to use my card for any purchases recently due to them claiming to suspect potential fraud. While I appreciate that they are keeping my account secure, they are going completely overboard. Most recently, they wanted a bank statement from my bank because I like to use the card and pay it off to avoid any interest charges and to be able to make big purchases when need be. Also, their customer support department is HORRIBLE and they love to give misinformation and nobody cares. It seems like Capital Ones customer support department can get away with saying anything when it could be incorrect because they are from a different country and they dont understand XXXX as well as we do. And whenever I try and get a XXXX based agent which is my right per my card member agreement, they make me feel guilty for doing so. Its such a shame now that Capital One is the worst bank Ive ever dealt with and I would not even want my worst enemies to apply for accounts with Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 ( XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-29 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 ( XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29 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: AZ

Complaint narrative:
FTC IDENTITY THEFT REPORT ATTACHED.

All 3 credit bureaus have not removed my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that were severely compromised by XXXX XXXX since XX/XX/2023 after my disputes and XX/XX/2023 legal size envelope with proof mailed to XXXX, XXXX XXXX Transunion. 
XXXX XXXX closed XX/XX/2023 both cards and continues to lace false billing line charges to these cards.

37 times false billing line entries is identity theft and FCRA violations.

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 2023-10-29 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: AZ

Complaint narrative:
FTC IDENTITY THEFT REPORT ATTACHED.

All 3 credit bureaus have not removed my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that were severely compromised by XXXX XXXX since XX/XX/2023 after my disputes and XX/XX/2023 legal size envelope with proof mailed to XXXX, Equifax XXXX XXXX. 
XXXX XXXX closed XX/XX/2023 both cards and continues to lace false billing line charges to these cards.

37 times false billing line entries is identity theft and FCRA violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
FTC IDENTITY THEFT REPORT ATTACHED.

All 3 credit bureaus have not removed my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that were severely compromised by XXXX XXXX since XX/XX/2023 after my disputes and XX/XX/2023 legal size envelope with proof mailed to Experian, XXXX XXXX XXXX. 
XXXX XXXX closed XX/XX/2023 both cards and continues to lace false billing line charges to these cards.

37 times false billing line entries is identity theft and FCRA violations.

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 2023-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XX/XX/XXXX Account Number : XXXXXX/XX/XXXXAccount Number : XXXX XX/XX/XXXXXXXX Account Number : XXXX XXXXXX/XX/XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXXXX/XX/XXXXXXXX Date of inquiry : XX/XX/XXXX XX/XX/XXXXDate of inquiry : XX/XX/XXXX XX/XX/XXXXDate of inquiry : XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX XX/XX/XXXXDate of inquiry : XX/XX/XXXX XX/XX/XXXXXXXX Date of inquiry : XX/XX/XXXX XX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX XX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXXXX/XX/XXXX Date of inquiry : XX/XX/XXXX XXXX XX/XX/XXXXDate of inquiry : XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXDate of inquiry : XX/XX/XXXXXX/XX/XXXXDate of inquiry : XX/XX/XXXXXX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry XXXX XX/XX/XXXX MXX/XX/XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : 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