vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-13 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Sent letter for company to validate account and they never responded

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Best Regards, 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 2023-06-13 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Best Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Sent letter for company to validate account and they never responded

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: CA

Complaint narrative:
XXXX pulled my credit multiple time the same day by mistake. 
XXXX XXXX the creditor Credit pulled on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It should be only XXXX pull not all XXXX I only got XXXX credit card on the XXXX XXXX XXXX The rest of the inquiry are not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-13 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: TN

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 U.S.C 1681. XXXX XXXX XXXX XXXX  also known as XXXX XXXX XXXX XXXX using different names acct # XXXX also put it as a charge off and a collection ( XXXX XXXX XXXX ( {$600.00} ). 
XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX. INQUIRIES that doesnt belongs on credit report. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604A. 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 reporting containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2023-06-13 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: VA

Complaint narrative:
XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 502A. States I have the rights to privacy.

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

15 U.S.C 1692C. 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 2023-06-13 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: TN

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 U.S.C 1681. The XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX using different names acct # XXXX also put it as a charge off and a collection ( XXXX XXXX XXXX ( {$600.00} ). 
XXXX department store acct # XXXX XXXX XXXX XXXXXXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604A. 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 reporting containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2023-06-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I took out an instalment loan in XXXX. I was also sold insurance to protect and pay the loan if I lost my employment and was no longer able to pay. This did happen in XXXX. I became medically ill. I provided the company with all my documents. The company started to repay the loan through the insurance I purchased but they stopped. 
I spoke with an Agent at XXXX the collection agency for the company and I was told oh they stopped paying so the debt is yours and we will continue to report that you owe. I was told my insurance on the loan no longer covered. I did inform the agent that I was filing a complaint for deceptive practices. 

I also requested a copy of the insurance policy I purchased. I never received any of the documents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
On Friday XX/XX/XXXX, I tried to use my HSBC Credit Card and it did not work. When I called to understand whats going on the Fraud Prevention Team hold me in the phone for XXXX hours! and finally a supervisor whose name was XXXX told me that since I do not have a checking account with HSBC, they decided to close my account. Then I opened a checking account and a savings account immediately and got an appointment from your local branch to open a brokerage account to bank with HSBC. My credit card was reinstated immediately and I was able to make a purchase. Then, yesterday on XX/XX/XXXX, someone else with a very limited XXXX called me and told me that he decided to close my account. He hang up the phone on me. Rudest agent evet. My account was already reinstated after opening all the required checking/savings accounts and talking to the initial supervisor. But yesterday, the other agent maybe was not aware of our progress and made a mistake. At this point, I did not do anything wrong and did all the required things bank asked me. Please reinstate my credit card. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Round Up Ventures, L.P.
State: FL

Complaint narrative:
I sent a Complaint on XX/XX/XXXX regarding Lendly XXXX XXXX XXXX XXXX XXXX Bank XXXX The information that is on my XXXX account is listed as XXXX. Also the balances does match XXXX nor XXXX. On XXXX they have the Last date of activity as XX/XX/XXXX and the last payment date listed as XX/XX/XXXX. On XXXX they have the last date of activity as XX/XX/XXXX and the last payment is XX/XX/XXXX. My apologies for including XXXX in the matter but they are not listed on that account. If this account was charged-off/ written off I would like to receive a XXXX form from this bank to my home address since that would mean that they had to report to the IRS. This installment loan was being paid bi-weekly direct deposit from my job, Therefore this gave me the understanding that it was an online payday loan. They will not allow clients to make monthly payments like regular installment loans. They make u add their banking account information ( checking account & the amount to pay ) to your Employer payroll so they can receive payment via direct deposit. On XX/XX/XXXX I refinanced a loan with a balance of {$1200.00} and was making bi-weekly payments of {$73.00}. On XX/XX/XXXX was the last {$73.00} payment with a balance of {$1100.00}. On XX/XX/XXXX they transfer out the account with a balance of {$2400.00} ( principal ). For some reason they were still receiving payments of {$3.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX they wrote off the account reference code XXXX. I received a letter stating that the balance was {$1400.00} as of XX/XX/XXXX. My original loan was at an annual percentage rate of 98.60 % and I was to make 25 bi-weekly payments for {$1000.00}. I have received XXXX letters from Debt collectors requesting me to pay and I informed them to validate it, since then I have stopped mailing me. They will not place this in comments on my credit report as a dispute because I did not go through the credit bureau to get them to correct their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
Ive been saying I knew there were issues with my loan, and I figured it out. There was an illegal finance charge. Each state has a maximum, and they went over. I wasnt totally clear when signing, because we were moving so quickly and I was told it was how everything worked and the finance company would send over everything I needed. It took them a month to send everything over. I did not get it right away. They charged well over the {$13.00} for every {$100.00} that was a state max regulation. And I didnt know that was by year. My finance charge was for more than the ca, which is why it doesnt seem the amount is going down. Ive attempted to reach out to the car dealership, but they are no longer in existence. I reached out to the dealership that was supposed to keep their records and they said they only keep them for 5 years, but my 5 years arent up until XXXX. My issue is now with the parent company and the bank. They took full advantage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: MD

Complaint narrative:
tried to send letter to validate account company never responded

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 2023-06-13 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: MD

Complaint narrative:
tried to send letter to validate account company never responded

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: VA

Complaint narrative:
XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 502A. States I have the rights to privacy.

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

15 U.S.C 1692C. 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 2023-06-13 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: VA

Complaint narrative:
XXXX Account # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX Account # XXXX XXXX U.S.C 1681 Section 502A. States I have the rights to privacy.

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

15 U.S.C 1692C. 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 explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Santander and XXXX are both reporting negatively on my credit bureaus for the same account just different amounts. They are either closed or charged off but show a balance. I was told this is considered Double Jeopardy and have attempted to dispute with them through mail and one account has updated the last payment date to this year when the actual last payment was in 2018. North of these accounts are impacting me negatively greatly. Im assuming Santander is retiring the amount prior to auction and XXXX is reporting after auction. Could you please assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has placed many overdraft fees on my account that were unfounded. I have notified the bank and they did not resolve the issue.

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 2023-06-13 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS XXXX XXXX DOB XXXX XXXX To whom it may concern, Late Charges Removal You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights. 
15 U. S. C 1681 section 602A. Clearly states that 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 an account without my written instructions.

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

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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