vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 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:
Accordance with the Fair Credit Reporting Act, the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. '' First Investors got a copy of my Experian Credit Report. 
XXXX XXXX XXXX got a copy of my Experian Credit Report. 
XXXX XXXX got a copy of my Experian Credit Report. 
XXXX XXXX XXXX XXXX got a copy of my Experian Credit Report. 
I told them to not run my credit report, I already got pre-approved through Golden 1, which the salesman had verified.

15 USC 1681 section 602A. states I have the right to privacy. 15 USC 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 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 7 years. 15 USCs - 2 ( A ) ( 1 ) : A person shall not furnish any information relating to 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 explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i did not consent to authorize nor benefit from the following account ( XXXX ). block and remove

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 2023-08-17 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: TX

Complaint narrative:
i did not consent to authorize nor benefit from the following account ( XXXX ). block and remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: LA

Complaint narrative:
I received a letter from a company called Avante USA, indicating that I had a debt that they were attempting to collect. The debt indicated on the letter was from a company called XXXX which I have never heard of before, and have certainly never had any interaction with before. An Internet search indicates that XXXX is some sort of predatory payday loan company. Regardless, the debt indicated on the letter is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on 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 explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I called NewRez to recast my mortage on XX/XX/XXXX. They debited {$250.00} from my account for the fee and said I would receive a letter to sign and return, and that the recast would take affect in XXXX. 

I never received any document. 

I called them on XX/XX/17 to find out what had happened. I was put on hold for XXXX minutes. At the end I was told that they had sent the document and I magically hadn't received it, despite them for some reason sending XXXX statements per month about my due date. 

I asked the operator to be emailed the form immediately, and was put on hold another XXXX minutes. At the end of this I was told that their " email system was down '' and that I could call back in XXXX hours. I told her that this was unacceptable and asked to speak to a supervisor. After being on hold another XXXX minutes, the supervisor joined and reiterated that the " email system was down ''. 

I told her to send me the form in the morning and that I would be submitting a complaint with the CFPB.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a personal Chase Sapphire credit card before and decided not to renew the card and canceled the card on XX/XX/XXXX with a customer service staff on the phone. I made a final payment around {$4600.00} ( I can't remember the exact amount. ) on XX/XX/XXXX and haven't used afterwards until I canceled the card. By the time I canceled the card the reward point was XXXX and it was equivalant to {$1000.00}. The customer service staff said I can be paid that amount of money, that's why I canceled the card. I requested to send the money to my XXXX bank account and gave my XXXX account number. I had been waited for the money but I couldn't receive it. After that I called Chase credit card customer service XXXX XXXX. They have been telling me that they don't have an access since the account has closed and can't give my money back. Even I said I have the credit card statement but they didn't want to pay for me. This is really unfare and I can't give it up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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: NC

Complaint narrative:
IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT XXXX XXXX  15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2023-08-18 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: V and H Portfolio
State: MO

Complaint narrative:
XXXX Report Number : XXXX Date Generated : XX/XX/2021 Collection Company : VANCE & HUFFMAN LLC Amount Owed : {$320.00} I am not liable for this debt with XXXX XXXX. I do not have a contract with VANCE & HUFFMAN LLC. Neither XXXX nor VANCE & HUFFMAN LLC has provided me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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 SET OUT ON A JOURNEY TO REPAIR MY CREDIT AND ASK THE CREDIT BUREAUS TO MAKE SURE EVERYTHING WAS COMPLETE AND ACCURATE ACCORDING TO 15 USC 1681 i ( 5 ) I WAITED 60 DAYS RECEIVED MY INVESTIGATION AND NOTICED EVERYTHING WAS THE SAME .THE CONSUMER REPORTING AGENCIES WHICH IS XXXX XXXX XXXX XXXX AND TRANS UNION DID NOT MODIFY OR DELATE ANYTHING.

THE DATE IS NOT CORRECT THE LAST ACTIVE DATE IS NOT CORRECT ON ALL 3 REPORTS. 
WHICH IS A VIOLATION.THIS IS IMPACTING ME FROM MOVING FORWARD TO BUY A HOUSE FOR MY FAMILY. 

I ATTACHED MY PERVIOUS CREDIT REPORT AND MY NEW CREDIT REPORT TO SHOW HOW XXXX VOILATED MY RIGHTS.

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 2023-08-17 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 SET OUT ON A JOURNEY TO REPAIR MY CREDIT AND ASK THE CREDIT BUREAUS TO MAKE SURE EVERYTHING WAS COMPLETE AND ACCURATE ACCORDING TO 15 USC 1681 i ( 5 ) I WAITED 60 DAYS RECEIVED MY INVESTIGATION AND NOTICED EVERYTHING WAS THE SAME .THE CONSUMER REPORTING AGENCIES WHICH IS EQUIFAX XXXX XXXX XXXX AND XXXX XXXX DID NOT MODIFY OR DELATE ANYTHING. 

THE DATE IS NOT CORRECT THE LAST ACTIVE DATE IS NOT CORRECT ON ALL 3 REPORTS.

WHICH IS A VIOLATION.THIS IS IMPACTING ME FROM MOVING FORWARD TO BUY A HOUSE FOR MY FAMILY. 

I ATTACHED MY PERVIOUS CREDIT REPORT AND MY NEW CREDIT REPORT TO SHOW HOW XXXX VOILATED MY RIGHTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
My existing debt is {$2700.00} and not {$6900.00} reported on my XXXX report. This is not the accurate information about my debt as a result of which I am having trouble being eligible to get XXXX XXXX personal loan. Please help to rectify the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My existing debt is {$2700.00} and not {$6900.00} reported on my Experian report. This is not the accurate information about my debt as a result of which I am having trouble being eligible to get XXXX XXXX personal loan. Please help to rectify the information.

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 2023-08-17 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: U.S. BANCORP
State: CA

Complaint narrative:
I do not agree with the reporting of these late payments and I would like them to be remove led.

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 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The company closed the credit card account. I called to find out why the account had been closed and I was told by the agent that it was because of returned payments. I reviewed the account and found no evidence of any returned payments. I explained to the agent that it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under Title 15 Chapter 41 of the US Code. Unfortunately, the agent held her position that the company would not be able to reopen the account. Knowing the regulations set forth in the Truth in Lending Act, and the Equal Credit Opportunity Act, I realized that I am being deprived of my rights. Due to the actions of the company, my faith is torn and I am devastated that the company would act in such a manner, given that I have been a valuable asset to the company. My family is being affected by the company actions. My wife and children are currently suffering due to the fact that we are not able to able to utilize the credits for food and other personal, family and household necessities.I also received a letter from the company stating that they do not accept any other forms of payments besides Federal Reserve Notes, which is a complete violation of the Federal Reserve Act sec 16 part 1 & 2. Im fully competent and overstand my rights and I'm fully aware that the remittance coupon has value. It is interest thats is owed to the principal that must be transferred to the principal 's account when instructions are provided by the agent. You must not restrict the method in which the account is to be paid. If the agent or representative receiving this notice does not understand or is not qualified to handle this matter, you must forward this notice to your CFO or indentured trustee. you should also reach out to your legal counsel for further review if needed. I would like for all my accounts to be reopen immediately. I would not want to cause your company any liability under 18 U.S.C. 1341 due to lack of understand. The consumer 's relationship with you is governed by Consumer Protection Laws, specifically the Consumer Credit Act. And the consumer has lawful rights to exercise any right under the law. Please know that you shall not make any contract that violates the rights of any consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: 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.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2023-08-18 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX SSN : XXXX Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 
<name of the company with unauthorized inquiry> XXXXXXXX XXXX XXXX XX/XX/2023 Please remove these inquiries from my credit report immediately. 
If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : Name and title of the person who pulled my credit. 
The date they purport that I gave permission. 
Methods they purport that I gave permission. Please include documentation of said permission.

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 2023-08-18 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: GA

Complaint narrative:
This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, GA XXXX XXXX XXXXXX/XX/XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: SECURITY FINANCE CORP
State: AK

Complaint narrative:
12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. As of XX/XX/2023 I am exercising my right to opt out of your reporting services. 

You ( XXXX ) stated you needed more information like account numbers etc. It was requested by the CFPB that I do NOT disclose private information in my report. Furthermore, in the evidence attached to my report should have given you the necessary information. My name and information is already in your system without my written consent. I am demanding to be opted out of your credit reporting services ASAP! If not done within a timely period, further action will be taken to the proper authorities. The Furnisher of my information is SECURITY FINANCE CORPORATION. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was a victim of identity theft, pursuant to 18 USC 1028A. Please delete these inquiries from XXXX, XXXX, And XXXX, or your agency is violating the Fair Credit Reporting Act block of information section which is 15 USC 1681 c-2, which states these inquiries must be deleted within 4 days of receipt of this identity theft report. 

Capital One, Cap One NA, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one that is in the attachment letter. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

See attached 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 explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i HAVE BEEN CONTACTING XXXX, XXXX AND TRANSUNION FOR MONTHS NOW TRYING TO GET INQURIES, COLLECTION REMOVED FROM MY CREDIT REPORT. THEY TOLD ME THAT THEY WERE GOING TO REMOVE THE 22 PLUS INQURIES AND THEY HAVE NOT.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
i HAVE BEEN CONTACTING EQIFAX, XXXX AND XXXX FOR MONTHS NOW TRYING TO GET INQURIES, COLLECTION REMOVED FROM MY CREDIT REPORT. THEY TOLD ME THAT THEY WERE GOING TO REMOVE THE 22 PLUS INQURIES AND THEY HAVE NOT.

Company response to consumer: Closed with explanation