vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a request for assistance with XXXX, Transunion, and XXXX. I am completing this complaint for myself and I no one is putting up to it. There are accounts listed that are not mine and I have given my written instructions to remove. Late payments on accounts that have not been late not once. This is my written instruction for the following accounts to be either removed or corrected. This is pursuit 15 US Code 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

Remove the following accounts - [ ] XXXX  XXXX Account XXXX - [ ] XXXX XXXX & XXXX Account XXXX - [ ] XXXX  Account XXXX - [ ] XXXX/XXXX  Account XXXX - [ ] XXXX  Account XXXX Remove late payments on the following accounts - [ ] XXXX  Account XXXX - [ ] XXXX XXXX Account XXXX - [ ] XXXX XXXX Account XXXX - [ ] Remove the following address - [ ] PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL 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 2022-04-07 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: FL

Complaint narrative:
This is a request for assistance with Experian, XXXX, and XXXX. I am completing this complaint for myself and I no one is putting up to it. There are accounts listed that are not mine and I have given my written instructions to remove. Late payments on accounts that have not been late not once. This is my written instruction for the following accounts to be either removed or corrected. This is pursuit 15 US Code 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

Remove the following accounts - [ ] XXXX  XXXX Account XXXX - [ ] XXXX XXXX & XXXX Account XXXX - [ ] XXXX  Account XXXX - [ ] XXXX/XXXX  Account XXXX - [ ] XXXX  Account XXXX Remove late payments on the following accounts - [ ] XXXX  Account XXXX - [ ] XXXX XXXX Account XXXX - [ ] XXXX  XXXX  Account XXXX - [ ] Remove the following address - [ ] PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL 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 2022-04-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  Account : XXXX XXXX {$5800.00} Open On XX/XX/XXXX Account : XXXXXXXX XXXX {$250.00} Open On XX/XX/XXXX Account : XXXX. XXXX XXXX {$560.00} Open On XX/XX/XXXX Account : XXXX XXXX {$820.00} Open On XX/XX/XXXX Inquiries-XXXX XXXX  XXXX XXXX On XXXX XXXX XXXX XXXX  XXXX On XXXX XXXX XXXX XXXX  is a Closed/Charge Off Account and it should not be any activity once the account is closed. XXXX and XXXX are still reporting Late Payments on a Closed Account On My Credit Report. It also have 3 different dates and two different years for day of last activity. 

Fair Collections is Closed/Charge Off Account and Comments Say XXXX and XXXX Disputed By Consumer. Also on XXXX Date does not match, It is two different years for the day of last activity. XXXX XX/XX/XXXX... XXXX XX/XX/XXXX... TransUnion XX/XX/XXXX. XXXX Open Date XX/XX/XXXX -- XXXX Last Activity XX/XX/XXXX Is not accurate, how can a account date Last Activity come before opening up account. 

XXXX. XXXX is a Closed Account and Still reporting negative on XXXX, it shouldn't be any activities once account is closed. It has two different years the date of last activity XXXX XX/XX/XXXX and TransUnion XX/XX/XXXX XXXX XXXX Is A Closed Account On TransUnion and the Comments Say Account Information Disputed By Consumer. 

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1692C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-04-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Account : XXXX XXXX {$5800.00} Open On XX/XX/XXXX Account : XXXX XXXX {$250.00} Open On XX/XX/XXXX Account : XXXX. XXXX XXXX {$560.00} Open On XX/XX/XXXX Account : XXXX XXXX {$820.00} Open On XX/XX/XXXX Inquiries-XXXX XXXX XXXXXXXX XXXX On XXXX XXXX XXXX XXXX XXXX On XXXX XXXX XXXX XXXX  is a Closed/Charge Off Account and it should not be any activity once the account is closed. XXXX and Equifax are still reporting Late Payments on a Closed Account On My Credit Report. It also have 3 different dates and two different years for day of last activity. 

XXXX XXXX is Closed/Charge Off Account and Comments Say XXXX and Equifax Disputed By Consumer. Also on XXXX Date does not match, It is two different years for the day of last activity. XXXX XX/XX/XXXX... Equifax XX/XX/XXXX... XXXX XX/XX/XXXX. XXXX Open Date XX/XX/XXXX -- XXXX Last Activity XX/XX/XXXX Is not accurate, how can a account date Last Activity come before opening up account. 

XXXX. XXXX is a Closed Account and Still reporting negative on XXXX, it shouldn't be any activities once account is closed. It has two different years the date of last activity XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XXXX XXXX  Is A Closed Account On XXXX and the Comments Say Account Information Disputed By Consumer. 

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1692C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a dispute letter to Experian about a account that is inaccurate, I have yet to get a response from them as of XX/XX/2022

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 2022-04-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The date of XXXX XXXX at approximately XXXX I decided to go to XXXX XXXX XXXX to finance a Vehicle XXXX XXXX XXXX XXXX During this Process I worked with manageXXXX XXXX he proceeded to walk me through the entire process and explain to me the requirements for financing the vehicle. He asked if I would be putting anything down on the vehicle. I explained to XXXX, I wouldn't be putting anything down since they were under Truth In Lending Act pursuant to 15 U.S. Code 1605 : ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. 
( 2 ) Service or carrying charge. 
( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. 

XXXX then begin to tell me that a down payment was required, even though I'd just explained to him the laws and also explained to him it was false and misleading information. Pursuant 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder. 

XXXX explained that I'd been denied by Capitol One Auto Finance. I then explained to XXXX once again that this was false and misleading and pursuant 15 usc 1681 thats adverse action because they can not deny me an extension of my own credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX/XXXX  XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX XXXX : $ XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance {$1500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07 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: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX/XXXX  XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX XXXX : $ XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX  XXXX Balance {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX  Account Number : XXXX Has violated my rights.

15.U.S.C 1681 Section 602A states I have the right to privacy 15.U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written 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 2022-04-07 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: CA

Complaint narrative:
XXXX XXXX XXXX reported XXXX late payments in 2020 in the middle of the Covid 19 Pandemic. It should not have been reported.

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 2022-04-07 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: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, Portfolio Recovery has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX- XXXX XXXX have attached the response from XXXX Experian needs to remove this XXXX from my credit report. attached is their response that states they don't own the account and I have attached the receipt that shows this account WAS PAID IN FULL TO THE CREDITOR WHO OWNS THE ACCOUNT WHICH IS NOT COMENITYCB/HSN BUT THEY ARE THE ONES REPORTING THE INACCURATE ACCOUNT TO EXPERIAN PLEASE XXXX NOT TELL ME YOU [ RE GOING TO CONTACT THE CREDITOR BECAUSE FOR MONTHS I GET THE SAME ILLEGAL E-OSCAR RESPONSE FROM EXPERIAN AND XXXX I HAVE ATTACHED LEGAL DOCUMENTS DIRECTLEY FROM THE CREDITOR REMOVE THIS ACCOUNT IMMEDIATELY I HAVE ATTACHED MY COMPLAINT FROM THE XXXX XXXX XXXX ALSO

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 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have informed Bank of America on XX/XX/XXXX that I wish to close all accounts I hold jointly with my husband with their branch in XXXX FL ( XXXX XXXX ). Bank of America XXXX have replied on XXXX. XXXX, XXXX that the account can not be closed at this time because of pending transactions that havent been posted. 

There are no pending transactions anymore since XX/XX/XXXX as all recurring payments ( like subscriptions ) have been transferred to another bank. Therefore, there is no motive not to terminate the account. 

Bank of America continues to debit charges and have now requested a transfer of {$7200.00} to balance the account. 

I would appreciate if CFPB could help resolve this matter.

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 monetary relief
Consumer complaint received 2022-04-07 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My Social Security # was used to apply for credit without my consent or my authorization and I reached out in the past on older inquiries and those still exist alongside the new ones. I've included a Dispute letter with all Three Credit Bureaus addressed.

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 2022-04-07 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX  Account Number : XXXX Has violated my rights. 

15.U.S.C 1681 Section 602A states I have the right to privacy 15.U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written 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 non-monetary relief
Consumer complaint received 2022-04-07 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX  Account Number : XXXX Has violated my rights. 

15.U.S.C 1681 Section 602A states I have the right to privacy 15.U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD Auto Finance reported 6 late payments in 2020 in the middle of the Covid 19 Pandemic. It should not have been reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX XXXX : $ XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance {$1500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NE

Complaint narrative:
My former complaint number reference : XXXX I want to tell you more about the identity theft that occurred this last weekend of XX/XX/2022 - XX/XX/2022 XXXX XXXX XXXX XXXX only took tech questions from the man who was pretending to be me. They did not ask me personal questions like how many holes are in your XXXX undershorts and what is the brand name ( XXXX holes no brand name it fell off ) They could have asked a number of personal questions that only I would know and all those questions would have to be answered correctly before ANY money is released to ANYBODY from ANY accounts ANYWHERE. And they didn't even use a voice identification which if they would install XXXX and used it, they would have heard that man was not me at all. I got to hear the recording of his phone call to Zelle at my XXXX Bank today. They let me hear it. So you see, many - many - many things could have been done to prevent this from ever happening and it is the company Zelle, XXXX Bank in XXXX, Nebraska, and XXXX XXXX XXXX XXXX 's fault for not using identification questions that are personal and using a voice identification. They are all three negligent. Plus, any XXXX of those places could have called me first at my home phone number that this man does not know to see if it was really me making this transaction. Not everybody has a home phone. I DO! And most people have more than XXXX cell or mobile phone. Again all three of these companies are negligent at my expense. NOT FAIR!! That is why I say, " Get a lawyer to sue all three companies. I can not afford one because I am on Social Security XXXX XXXX, but there could be any lawyer, chomping at the bit to have a case like this. I would win, hands down because of all three companies ' negligence. '' But all three companies argued with me when I told them what they all could have done that would have worked just like I told you, and this identity theft NEVER would have happened.

Company response to consumer: Closed with explanation