vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX not a third party company I am sending this complaint without assistance from any one. I noticed that Capital one has been reporting Account name CAPITAL ONE Date opened XXXX a CHARGED OFF account with a {$2200.00} balance. 
I don't recognize how this account is reporting on my credit report. 
I don't recognize the account number, the account status, the payment amount or payment terms, the account high balance nor to I recognize the late payments. 
This account is not mine. I did not receive a 1099c form when it account went into a charged off status nor was I given the option to opt out of having personal information shared with third party companies. 
I did not authorize any of this nor did I consent for this company to access my credit file. This debt collector has not provided me proper debt validation for this debt. 
Please delete this from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: FL

Complaint narrative:
My name is XXXX XXXX I am not a third party company I am sending this complaint without assistance from any one. I noticed that XXXX XXXX has been reporting Account name XXXX XXXX Date opened XXXX a CHARGED OFF account with a {$2200.00} balance. 
I don't recognize how this account is reporting on my credit report. 
I don't recognize the account number, the account status, the payment amount or payment terms, the account high balance nor to I recognize the late payments. 
This account is not mine. I did not receive a 1099c form when it account went into a charged off status nor was I given the option to opt out of having personal information shared with third party companies. 
I did not authorize any of this nor did I consent for this company to access my credit file. This debt collector has not provided me proper debt validation for this debt. 
Please delete this from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX Transunion - closed account XX/XX/XXXX XXXX - open account original balance - {$7200.00} past due {$9200.00} - date open XXXX status update XXXX XXXXXXXX balance updated XXXX XXXX XXXX XXXX XXXX the account was removed then added without proper notice of within 5 days of a reinsertion letter according to FDCPA and my credit account reported it 100 % paid off and on time XXXX - original balance - {$7200.00} past due {$9200.00} - date open XXXX status update XXXX XXXXXXXX balance updated XXXX Reporting illegal transaction history. 

XXXX & Transunion are saying they validated my consumer report with creditor when FDCPA 15 usc 1681 ( A ) 2 ( E ) - investigative consumer report must be obtained through neighbors ALL of these are also violations of The Privacy Act of 1974

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 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX - closed account XX/XX/XXXX XXXX - open account original balance - {$7200.00} past due {$9200.00} - date open XXXX status update XXXX XXXX balance updated XXXX - XX/XX/XXXX the account was removed then added without proper notice of within 5 days of a reinsertion letter according to FDCPA and my credit account reported it 100 % paid off and on time Equifax - original balance - {$7200.00} past due {$9200.00} - date open XXXX status update XXXX XXXX balance updated XXXX Reporting illegal transaction history. 

XXXX & XXXX are saying they validated my consumer report with creditor when FDCPA 15 usc 1681 ( A ) 2 ( E ) - investigative consumer report must be obtained through neighbors ALL of these are also violations of The Privacy Act of 1974

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX - closed account XX/XX/XXXX Experian - open account original balance - {$7200.00} past due {$9200.00} - date open XXXX status update XXXX XXXX balance updated XXXX - XX/XX/XXXX the account was removed then added without proper notice of within 5 days of a reinsertion letter according to FDCPA and my credit account reported it 100 % paid off and on time XXXX - original balance - {$7200.00} past due {$9200.00} - date open XXXX status update XXXX XXXX balance updated XXXX Reporting illegal transaction history. 

Experian & XXXX are saying they validated my consumer report with creditor when FDCPA 15 usc 1681 ( A ) 2 ( E ) - investigative consumer report must be obtained through neighbors ALL of these are also violations of The Privacy Act of 1974

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 2024-01-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Albert Corporation
State: MD

Complaint narrative:
I received a cash advance of {$50.00} on the XXXX or XXXX of XXXX w/ an agreement to repay on the next pay period. Today, XX/XX/2024 {$79.00} was withdrawn from my account of no explanation of the extra {$29.00}. 

I reached out to customer service today and was told that its an anticipated overdraft fee on an app that I did not sign up for. 

This is fraudulent and horrible. All these companies do is take advantage of the poor. Its not a color, gender, religion thing. It is a poor thing.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: CO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: MO

Complaint narrative:
Experian closed yet another complaint without addressing the issue which clearly you can see in the screen shots that I provided that experian will go to any lengths to avoid fixing the problem

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 2024-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
The company lied in their statement my vehicle had engine failure that was never fixed XXXX  XXXX will tell you that now credit acceptance is sitting on my credit stating that I owe them XXXX for a vehicle that they sold with a bad engine I didn't even drive the car for 6 months I'm sitting here with paperwork that they'll settle with me for {$2000.00} that's the amount I put down to get the car off the lot because I requested my money back or to be put in another vehicle with the same contract. At this time I want credit acceptance removed I'm on XXXX I need transportation and I feel like they totally took advantage of my situation. And currently they're the reason that I can't get a vehicle loan. I applied for a loan they told the new car dealership they'll give me a loan if I put {$8000.00} down I want them off my credit.

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 2024-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI

Complaint narrative:
This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The USAA SAVINGS BANK is willfully in violation of FCRA and condoning illegal behaviour, They must correct or remove this charge off account immediately. USAA SVG BK XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: FL

Complaint narrative:
My name is XXXX XXXX I am not a third party company I am sending this complaint without assistance from any one. I noticed that XXXX XXXX has been reporting Account name XXXX  XXXX  Date opened XX/XX/2014 a CHARGED OFF account with a {$2200.00} balance. 
I don't recognize how this account is reporting on my credit report. 
I don't recognize the account number, the account status, the payment amount or payment terms, the account high balance nor to I recognize the late payments. 
This account is not mine. I did not receive a 1099c form when it account went into a charged off status nor was I given the option to opt out of having personal information shared with third party companies. 
I did not authorize any of this nor did I consent for this company to access my credit file. This debt collector has not provided me proper debt validation for this debt. 
Please delete this from 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 non-monetary relief
Consumer complaint received 2024-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Dept of Ed - Nelnet is unlawfully reporting on my credit report. According to The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX I am not a third party company I am sending this complaint without assistance from any one. 
I noticed that these accounts reporting on my credit file listed below have been reporting as charged off on my credit report bring my credit down. 
This account was discharged and I am not responsible for the debt. 
The credit bureaus are repeatedly reporting on this debt and has marked it as charge off then marked it as paid charge off. 
I am requesting that these account below be removed from my credit file. 
I never applied for a loan or signed for any loan I have not attended high school or college. 
I received a letter over 5 years ago stating that the loans have been canceled I am on social security. and I am not working I am XXXX. 
I keep getting denied for housing because of these accounts and the unfair reporting of these accounts. 

1. XXXX XXXX XXXX  XXXX ending XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX XXXX. XXXX XXXX XXXX XXXX ending in  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: TX

Complaint narrative:
Did an online transfer from external bank account XXXX XX/XX/XXXX. Accounts showing in account but not available for use until XXXX XX/XX/XXXX. Called customer service at Discover and they stated it for security that it takes XXXX business days for funds to clear which is excessive. No other financial institutions function this way. This is excessive and an inconvenience if you have to pay bills. Talked to a supervisor and she stated that it takes XXXX  days to clear funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my 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 non-monetary relief
Consumer complaint received 2024-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX I am not a third party company I am sending this complaint without assistance from any one.

I noticed that these accounts reporting on my credit file listed below have been reporting as charged off on my credit report bring my credit down. 
This account was discharged and I am not responsible for the debt.

The credit bureaus are repeatedly reporting on this debt and has marked it as charge off then marked it as paid charge off.

I am requesting that these account below be removed from my credit file. 
I never applied for a loan or signed for any loan I have not attended high school or college. 
I received a letter over XXXX  years ago stating that the loans have been canceled I am on social security. and I am not working I am XXXX. 
I keep getting denied for housing because of these accounts and the unfair reporting of these accounts. 

XXXX US DEPT OF ED/XXXX  ending in XXXX XXXXUS DEPARTMENT OF EDU ending in XXXX XXXX US DEPARTMENT OF EDU ending in 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 2024-01-16 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts, name and inquiry as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2024-01-16 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' These inquiries are currently being reported on my credit report XXXX is reporting only 2 inquiries : 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 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 15 U.S. Code 1681s2 ( A ) ( 1 ) states `` 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures as XXXX and XXXX are not reporting these inquiries but Experian is reporting them and this is obviously inaccurate reporting and that is unlawful and damaging to me. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of these reporting services.

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 2024-01-16 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CrossCountry Mortgage LLC
State: NJ

Complaint narrative:
Subject : Urgent Request for Master Promissory Note - Dodd-Frank Mortgage XXXX XXXX/ Loan Number '' XXXX Dear CrossCountry mortgage, LLC, I trust this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to bring to your attention a matter regarding the mortgage servicing protections outlined in the Dodd-Frank Wall Street Reform and Consumer Protection Act. 

I have made several requests for the master promissory note associated with my loan, identified by the loan number XXXX. Regrettably, CrossCountry Mortgage, LLC has yet to comply with these requests and has not provided the requested documentation. 

As you may be aware, the Dodd-Frank Act establishes crucial protections for consumers, including the right to access relevant loan documentation promptly. I am concerned about the lack of response from CrossCountry Mortgage , LLC and seek your assistance in resolving this matter promptly. 

I kindly request that you intervene and ensure that CrossCountry Mortgage, LLC complies with the Dodd-Frank Act by promptly providing me with the master promissory note associated with my loan. Your attention to this matter is greatly appreciated, and I look forward to a swift resolution. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Larry H. Miller Group of Companies
State: MI

Complaint narrative:
My primary Doctor wrote a letter explaining my condition to the dealer and XXXXXXXX XXXX. 
I turn the car in on XX/XX/XXXX  with the letter. My lawyer at the time inform me that would be the right thing to do. He has retired now, I have paid {$1300.00} for the one year I had the car, at lease that what Prestige Financial have shown on the paper work. So I'd owed {$18000.00} at that time and then they sold the car for {$11000.00} but they want me to pay {$16000.00} even those they sold the car I should only owe the different, Which should be only {$7100.00}. It is fraudulent to try to make me pay more, please let them know that am not foolish enough to go long with their scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-16 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: PA

Complaint narrative:
I reviewed my consumer report and noticed there were several late payments and inaccurate payment history information, the accounts are XXXX, XXXX XXXX, AND XXXX XXXX. I hav never been late on my payments for those accounts. Please investigate and provide proof that those payments were late. If proof can't be provided I demand that these payments be updated to " PAID AS AGREED/NEVER LATE '' as they should due to the fact that I was never late. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Review the attached documents. Initiate an investigation on these accounts where I have never been late, but they are erroneously reported as such.

Company response to consumer: Closed with non-monetary relief