vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with 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. 

XXXX XXXXXXXX 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 XXXXXXXX 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 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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
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. 

XXXX XXXXXXXX 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 XXXXXXXX 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 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 2022-12-23 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: NY

Complaint narrative:
THE FOLLOWING INQUIRIES ARE FRAUDULENT : 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 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: TX

Complaint narrative:
There was an unknown transaction in the amount of {$300.00} that took place around XX/XX/22 that funds were taken out of my account. I do not know who the receipient of the funds were and brought this to the attention to Discover Bank promptly that this was an unauthorized/fraud transaction that occured. I received a letter stating they would not be issuing a credit to my account to correct this fraud transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I had originally applied for a home equity line of credit with Huntington Bank. After receiving a low appraisal ( which I believe was discriminatory ), I decided to cancel the process. 

The bank proceeded to process the loan without my consent. Their response was I had asked for another appraisal ( I did not. The loan officer told me another appraisal was going to be conducted ) the loan had to be processed. 

I was not made aware conducting an appraisal means a loan must be processed with or without the consent of the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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:
Back in XXXX my information was affected in the XXXX Data Breach and my identity was stolen. I have had new open and closed accounts appear on my credit reports that is not mines and every time I dispute the incorrect information on my credit reports they are ignored by the credit Bureaus and the Creditors. I Have also filed multiple FTC Reports, and a police report with my nearest police station regarding this matter, that's why I am reaching out to the CFPB for this issue now. This has caused a hardship for my family and me. 

My XXXX XXXX credit report is the only credit reporting agency that is reporting the correct information besides the recent fraudulent inquires reported. I have uploaded my credit reports as of XX/XX/XXXX, along with my Real Identity info ( ID Card, SSN, Utility bill ) and Previous disputes letters that were recently ignored by the Credit Bureaus ( Experian, XXXX ) and Creditors. 


Experian along with the Creditors are reporting WRONG information such as accounts ( XXXX XXXX XXXX With the acct # XXXX with a high credit of XXXX XXXX XXXX  XXXX XXXX With the acct # XXXX with a high credit of ( XXXX ), ( XXXX XXXX XXXX XXXX XXXX acct # XXXX with a high credit of XXXX ) Experian is also reporting an address that I have never lived at before with is ( XXXX XXXX XXXXXXXX XXXX XXXX Texas XXXX XXXX which is also affecting my credit terribly. 

XXXX along with the Creditors are reporting WRONG information such as ( XXXX Acct # XXXX with a high credit of XXXX ), ( XXXX XXXX XXXX Acct XXXX XXXX XXXX a high credit of XXXX ), XXXX XXXX Acct XXXX XXXX with a high credit of XXXX ), ( XXXXXXXX XXXX Acct # XXXX with a high credit of XXXX ) Which should be deleted immediately due to my identity being compromised and being used by I don't know who.

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 2022-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
My account was suddenly closed on XX/XX/23 because they could not verify my account information for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: OR

Complaint narrative:
In XXXX when I came back from burying my mother I started recieving letters from Montgomery wards inside was a bill for I believe {$700.00}. I have never had any account with this company nor have ever had a credit card from them. Im not sure where this is coming from but I do know that I do not have any type of card with them. I disputed it because its not mine at all and they came back and told me it had been verified. This is a lie on someones part because in order to be verified I would have had to use this card somewhere and if thats the case please show me some proof. Im sure if I used this card anywhere there is a camera that has me using it. I know their isnt a camera or video on this earth that shows that because I never had any card from here. I dont know how they say its been verified and they are making me responsible and now I have all these bad things on my credit score. I want something done here. I cant take this stress. What really concerns me is everytime I have ever asked for credit, not XXXX time have I ever been approved for any credit card, so tell me how is it that another person or whoever or whatever is able to get a card? Thats very strange to me. Their is something fishy happening here and I will go as high as I can to get anwsers. Its my life and I have to suffer because of it and no one is helping me just causing more stress In my life. I just had to bury my mom because of covid and Im not in the best spirits and I refuse to allow someone to tell me I used a credit card I have never had. And I need to know when this card Was gotten? And who gave it to whoever it was given to? What kind of proof did they show when they were applying for this card? Thats what I need to figure out. This is very upsetting to me. Some of us cant sorry to bother u about this but Im lost as to what to do? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: 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 USC 1681. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX has violated my rights XXXX 

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 2022-12-23 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I signed up for Capital One shopping about a month ago. Since the XXXX of XXXX I have supposedly earned over {$800.00} in gift cards. I received an email from Capital One shopping ( attached ) confirming the amount and a link to activate my gift card. I did click the link and activate my gift card and got a pop-up saying that I would have it within XXXX days. The next day I believe it was the XXXX of this month, I tried to log into my account and it was inactivated. The only response I can get from customer service is telling me they've terminated my account which they can do whenever they want per their terms and conditions. I've been looking at reviews online and they're doing this over and over to people. They are leaning on their terms and conditions which basically say that they don't have to give you any service if they don't want to and can terminate your account at anytime for any reason. But I find it hard to believe that they're not held up to any kind of standard, especially since we are allowing them to put an extension on our browser and view our browsing history. Aren't they obligated to actually give us the gift cards that you've earned or at least a reason why they cancelled your account prior to redemption?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had 5 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2022-12-24 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: NY

Complaint narrative:
On XX/XX/2022, I disputed a late payment to credit agencies and they did not delete the late payment. They reported incorrectly. XXXX XXXX XXXX XXXX which is my bank sent me copy of proof for late payment to be removed. I have copy of document. I spoke with agencies in past and they claimed they didn't receive copy. I'm having trouble with funding due to this matter which they are not following the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24 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: NY

Complaint narrative:
On XX/XX/2022, I disputed a late payment to credit agencies and they did not delete the late payment. They reported incorrectly. XXXX XXXX XXXX XXXX which is my bank sent me copy of proof for late payment to be removed. I have copy of document. I spoke with agencies in past and they claimed they didn't receive copy. I'm having trouble with funding due to this matter which they are not following the laws.

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 2022-12-23 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: NY

Complaint narrative:
THE FOLLOWING INQUIRIES ARE FRAUDULENT : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: NY

Complaint narrative:
THE FOLLOWING INQUIRIES ARE FRAUDULENT : 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 explanation
Consumer complaint received 2022-12-24 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: NV

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 XXXXXXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$400.00}.

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 2022-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
There was a business opportunity being marketed for passive income to create a wholesale car dealership. We were told to apply for a car loan and we would be sold a car from the group 's inventory. In 90 days the car would be sold and our loan paid off. That would build car credit for us which would increase the amount of credit that we would be approved for, for our dealership. The group would help us create an LLC and apply for a wholesale license and obtain a dealership within their network. There were weekly XXXX  calls and a dedicated FB group to help guide us. We were told to endorse our auto loan documents and send the check to them. They produced a bill of sale to the lenders. 
After 90 days when the vehicle was due to be paid off, we were told there were processing delays due to COVID and states were changing requirements for establishing dealerships. So we were told to wait. It has been over a year now and communication has stopped. 
This business opportunity was sold to us under false pretenses as we are discovering that some of the VIN numbers to the vehicles are false and some of these vehicles dont exist. The main person that lead the team has been indicted several times for similar types of violations and this business is an elaborate Ponzi scheme.

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 2022-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I owe Midland collection company a total of XXXX dollars and they call my phone at least XXXX times a day from similar numbers back to back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
First incident was on XXXX I received in the mail a Surge Master Card from XXXXContinental Finance that I never applied for and immediately contacted the company and cancelled the card on that same day. Was a pain to get it cancelled and they would not provide a confirmation number of cancellation/closure but assured it was. They did give me the operator code who did this as XXXX. After that was done I filed a complaint to FTC Report number : XXXX and wanted them to be aware that this company is is allowing fraud to happen. Then I signed up for XXXX and I froze my credit with them, but didn't do the other XXXXwo as I wanted to monitor. As of today XX/XX/23 I got a second new credit card from the same company that I didn't apply for and of course during the holidays they were closed for me to call and cancel so I will try and call them ASAP Monday to do, so but either way someone is committing fraud big time with my information and it wasn't me and now I'm worried this will get worse and I can't afford to pay for credit screening services monthly for all three and I need this company to be made liable to allow this and remove / black list whatever needs to be done get my name off their records 100 % because now I don't trust that they are a legit company and have actually cancelled/ deleted me out of their system. I also think others are having the same issue I am with this company Continental Finance XXXX XXXX as it looks like they don't care period as case in point a new card was sent to me today and it wasn't me requesting it.

Company response to consumer: Closed with explanation