vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I reviewed my Consumer Report My name and address was incorrect My ONLY NAME IS XXXX XXXX XXXX My ONLY address is XXXX XXXX XXXX XXXX Mi XXXX and these were inaccuracies NAVY FEDERAL CR UNION Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 
NAVY FEDERAL CR UNION Potentially negative Date openedXXXX Balance {$2100.00} StatusClosed. 
XXXX Potentially negative Date openedXXXX Balance {$0.00} XXXX. {$910.00} written off. 
XXXX XXXX Potentially negative Date openedXXXXXXXX Balance {$0.00} XXXX. {$420.00} written off. 
XXXX XXXX XXXX  Potentially negative Date openedXXXX Balance {$450.00} XXXXCollection account. {$450.00} past due as of XX/XX/XXXX. 



XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX BANK XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX and asked them to investigate and remove the inaccurate form my consumer report that they are illegally reporting that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
This is a violation of The Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by evidence or proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I reviewed my Consumer Report My name and address was incorrect My ONLY NAME IS XXXX XXXX XXXX My ONLY address is XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted EQUIFAX and asked them to investigate and remove the inaccurate form my consumer report that they are illegally reporting that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
This is a violation of The Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by evidence or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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 BANK CARD XXXX CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICES, XXXX I XXXX XXXX XXXX, have 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 : ,This section provides that the consumer reporting agency can not furnish an account without my written instructions. 

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

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

15 U.S.C. 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I XXXX XXXX XXXX, have 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 : ,This section provides that the consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  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. 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-02-06 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: FL

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

My request to block is not being made in error nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. 

The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX file # XXXX XXXX XXXX XXXX The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report

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 2023-02-06 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: RI

Complaint narrative:
missed XXXX payment in XXXX of 2020 due to the covid XXXX epidemic account is current now and no other late payments have ever been on account 'trying to buy a house and late payment is hurting 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 2023-02-06 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: OH

Complaint narrative:
My rights under the Fair debt collection practices act as well as the fair debt collection practices acts have been violated by these companies in the following ways : 1. ) 15 U.S. Code 1681C ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
2. ) 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.

3. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. And they do NOT have my permission to put this on my report.

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 2023-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
had 2 late payments due to covid 19 epidemic was laid off from work was late in XXXX of XXXX and XXXX of XXXX never missed any other payments trying to buy a home and late payments are really hurting XXXX XXXX account is now and always has been current with NO other late payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Mismanagement of my Wells Fargo auto loan. I was charged higher interest and fees on my auto loan. The loan number is XXXX was paid in full on XX/XX/2014.

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 2023-02-06 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: IN

Complaint narrative:
I have a filed a complaint against The XXXX and Transunion previously but since my complaint they have let the US Dept of Department of Education rereport the same loan again as a new loan and its dropped my score XXXX  more points. Theyve removed the old account showing that they've previously reported the same loan under a different account number. They just reported it as new a month ago and closed that and reported it again. I have been fixing my credit and my score was up in the high XXXX XXXX its now XXXX on XXXX. Someone has to be able to stop them from letting the US dept of education from doing this. The information they're reporting is a lie. The loan is XXXX XXXX XXXX. Its not a new loan. This is wrong. Someone need to stop the US. DEPT OF EDU from doing this. Or XXXX  and TransXXXXunion needs to stop letting them do this. Enough is enough

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 2023-02-06 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: MI

Complaint narrative:
Under penalty of perjury I do by del are the the following is true and accurate to the best of my ability Transunion, XXXX and XXXX are not credit reporting companies evidenced by their Licensing and Disclosures so there for are acting unlawfully and without my consent in all matters. I have called, written, disputed debts, inquiries, accounts, and have even tried to opt out of all services, I have given instruction to remove all unverified inquiries, accounts and to verify debts but when asked how they verified nothing was produced. 
Furthermore, I have no contract nor agreement nor have I given any consent or instruction for the furnishing of anything to my credit report. I am demanding equitable remedy of {$1000.00} for these violations per law for each unauthorized inquiry and for the company to release to me documents, accounts, all information held by the companies named herein, I am allowing only the minimum allotted amount of time proscribed by law to respond, settle, and cease and desist this will be my last attempt at handling this matter outside of federal court. And violation of civil rights there is no special immunity. Notice to principal is notice to agent and notice to agent is notice to principal. All debts are obligations of the United States and XXXX upon payment dollar for dollar so therefore reporting or attempting to claim I XXXX XXXX XXXX the living man and Beneficiary to the Cesti Que XXXX XXXX XXXX XXXX, XXXX which XXXX State is XXXX Fiduciary is in direct violation of the constitution, UCC, Identity XXXX among much more that the company will be provided with if my respective issues are not handled correctly and in good faith. 

XXXX XXXX XXXX UCC1-308 12 USC 411 L93-406 UCC 3-104 8 USC 1182 48 USC 1421b 5 USC 5582 UCC 3-419 These laws are provided as to assist whomever must be informed as to claiming false debt and obligation and fraudulent contracts and the like thereof. 

15 USC 1681b states consumer must give consent for furnishes to credit report. So I demand company provides such evidence as to my consent authorization for any furnished information. 

15 USC 1681a ( 2 ) ( B ) states the consumer report does not include authorizations or approvals of specific extensions of credit. 
Any Loan or Credit card reporting information to a consumer credit report is in fact a specific extension of credit. 

15 USC 1881 ( a ) ( i ) states that transactions between consumer and person making report are NOT included in reports. 

I chose to not send any documentation that I may have as the companies have their own records of my letters and calls and online disputes.

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 2023-02-06 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: IL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-06 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: RI

Complaint narrative:
had 2 late payments due to covid 19 epidemic was XXXX XXXX from work was late in XXXX of XXXX and XXXX of XXXX never missed any other payments trying to buy a home and late payments are really hurting credit score account is now and always has been current with NO other late payments

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: NM

Complaint narrative:
I applied for a XXXXXXXX XXXX  credit card through XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX I received a letter dated XX/XX/ denying credit listing the reason : " Credit bureau reports applicant is deceased. '' The reporting credit agency Sagestream/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX First, I AM NOT DEAD! 

I tried emailing XXXXXXXX XXXX through their website and was unable to reach them. I found a phone number online, but they were not able to help. 
I called the Sagestream phone number. It is an automated system and after entering all my personal information ; the system notified me it could not verify my identity and hung up. 
I am not dead and do not want to start a problem that could cascade into my losing everything. I need to correct the mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
My CapitalOne XXXX credit card was charged {$180.00} by a XXXX XXXX XXXX, XXXX on XX/XX/2022 for a full insurance protection. I willingly paid/signed for this amount but the verbal agreement was for {$93.00}. Indeed, the only full insurance product advertised and sold by XXXX XXXX XXXX  is for {$93.00}. I have tried to correct this error with both XXXX XXXX XXXX and CapitalOne. XXXX XXXX XXXX did not reply to my requests and CapitalOne is saying that since I signed there is nothing that they can do. Thus, CapitalOne is refusing to consider that there is error in the billing and that I did not receive the full service promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06 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: FL

Complaint narrative:
I went to a car dealership and i was told they were only going to pull from their in house which was XXXX dealership. But they did not. These listed below were unauthorized. 
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 2023-02-06 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: FL

Complaint narrative:
I went to a car dealership and i was told they were only going to pull from their in house which was XXXX dealership. But they did not. These listed below were unauthorized. 
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