vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 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: PA

Complaint narrative:
I am writing to dispute an unauthorized hard inquiry on my credit report. This inquiry violates my rights under the FCRA. This inquiry dated XX/XX/2024, was not authorized by me and lacks any legitimate reason. I request immediate removal and confirmation of action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: NY

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ACCT 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.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime 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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I had unauthorized credit ( hard ) checks which led to substantial decrease in my credit score, I would like to report the following credit checks from various credit unions : XXXX and XXXX : XXXX ) XXXX XXXX, XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ) XXXX XXXX, XXXX -- - CAPITAL ONE BANK USA NA XXXX XXXX CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX ) XXXX XXXX, XXXX -- - XXXX XXXX, XXXX XXXX -- XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX -- - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ID XXXX XXXX ) XX/XX/XXXX -- - XXXX XXXX XXXX XXXX -- - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX, XXXX -- - XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ) XXXX XXXX, XXXX -- - XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX ) XX/XX/XXXX -- - CAPITAL ONE BANK USA NA CAPITAL ONE BANK USA NA, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX -- - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX ) XX/XX/XXXX -- - XXXX XXXX, XXXX XXXX -- - XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX : XXXX ) XXXX XXXX XXXX XXXX -- - CAP ONE NA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UTAH XXXX XXXX ) XXXX XXXX, XXXX -- - XXXX  XXXX XXXX XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX ) XXXX XXXX, XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX ) XXXX XXXX, XXXX -- - XXXX  -- - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 602 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 an account without my written instruction under 15 USCS 1666b. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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:
In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 602 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 an account without my written instruction under 15 USCS 1666b. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: IL

Complaint narrative:
FCRA 605B mandates the elimination of erroneous entries from my credit record. Could you kindly review the paperwork? Several entries therein are erroneous in terms of their reporting. Compensation of {$1000.00} per inaccurately reported item on my credit dossier is due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove the accounts from my report, they are hurting my ability to obtain credit.All this accounts was already disputed and updated in XXXX but still are in XXXX and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Catalyst Mortgage Inc.
State: CO

Complaint narrative:
Applied for a mortgage with XXXX XXXX XXXX in Illinois. Query in credit bureau profile triggered marketing calls. I have " do not share '' agreements in place with all the credit bureaus. Despite this, my information is still being sold. I am receiving phone calls from other companies to apply for a mortgage despite being on the XXXX not call list. 

Call came in on APRXXXX at XXXX XXXX from a spoofed number. CMC has also contacted me from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I believe FCRA 605B tells us to take out wrong accounts from my credit report. Can you check the papers? Some listed accounts have wrong info about reporting, amount, and dates.

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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-19 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: OH

Complaint narrative:
I just received a copy of my credit report and noticed the following errors. 
1 ) XXXX, XXXX, and XXXX Acct # XXXX Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within 4 days of dispute. This looks like someones medical collection as well, which is a HIPAA violation, according to 42 US Code 1320-d note, section 264 of the HIPAA ACT OF 1996. Please DELETE this collection as soon as possible.

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 2024-04-19 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: MO

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 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 2024-04-19 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:
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 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 2024-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have checked my credit report and information on there are incorrect information accounts open that were not me. And there are several addresses that are wrong. 
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 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 2024-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TradeStation Group, Inc.
State: CO

Complaint narrative:
I opened a Tradestation account with promo code XXXX and confirmed with an agent it was attached to my account. I fulfilled all required activities but did not receive the bonus.

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 2024-04-19 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: GA

Complaint narrative:
1st. XXXX XXXX acct # XXXX {$27000.00} reporting late illegal information on credit report. 2nd. acct # XXXX XXXX XXXX  a balance that was paid by myself on XX/XX/2023 in the amount of {$110.00} and it showed up on my credit report. 3rd. acct # XXXX XXXX  amount {$940.00} reporting information illegally. 4th acct # XXXX {$500.00} never applied for a card or ever had an account with this company 5th acct # XXXX XXXX XXXX {$300.00} never had an account with this illegal reporting. 6th XXXX  acct # XXXX wont give any information on the account. 7th acct # XXXX XXXX  {$390.00} illegal reported. 8th. XXXX XXXX XXXX. acct # XXXX illegal reporting. 9th XXXX XXXX XXXX # XXXX never had a credit card with this company.

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 2024-04-19 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, 15 USC 605B, 15 USC 1681 ( a ), & 15 USC 1681 ( 2 )! 

I told XXXX, Transunion, and XXXX to reinvestigate & IMMEDIATELY remove these fraudulent/incorrect accounts/items : 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 

In addition to, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

In Conclusion, According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2024-04-19 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, 15 USC 605B, 15 USC 1681 ( a ), & 15 USC 1681 ( 2 )! 

I told XXXX, XXXX, and Equifax to reinvestigate & IMMEDIATELY remove these fraudulent/incorrect accounts/items : 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 

In addition to, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

In Conclusion, According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I called I.C. System Inc. reference no. XXXX XXXX XX/XX/year> and spoke to a representative about the debt not being mine. I have no contract with this company. I have never done business with the company. They are not registered to collect in the state of XXXX  to collect.

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 2024-04-19 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: TN

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry Date Dispute XXXX XXXX XXXX  XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX Removal Date XXXX Type National Credit Card Cos. 
Phone Number ( XXXX ) XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX National Credit Card Cos . 
( XXXX ) XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX National Credit Card Cos . 

XXXX XXXX XXXX XXXX Inquiry Date XXXX Removal Date XXXX Type National Credit Card Cos. 
Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX National Credit Card Cos. 
( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX National Credit Card Cos. 

XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX National Credit Card Cos. 
( XXXX ) XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date Removal Date Type Phone Number XXXX XXXX Credit union XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Credit Unions ( XXXX ) XXXX Dispute XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXXXXXX Credit Unions ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Credit Unions ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am filing this formal complaint against navy Federal Credit Union. My complaint pertains to their handling of my vehicle financing, which has raised some grave concerns pertaining to securities fraud and tax evasion. Under the securities exchange act from studying the contract and the law governing my protection. My contract was signed at the dealership XXXX XXXX in XXXX, XXXX That promissory note and certificate of indebtedness was securitized by Navy Federal where they also received a cussip number and engaged in trading activates. According to research, Navy Federal operates under a 501C3, which is a non-for-profit banking, yet is charging me for late fees and overdrafts fees. the NCUA my overdraft fees are insured and should not be charged, showing negative on my account. 
I sent a package out to the head of the legal department XXXX XXXX requesting documentary evidence on this matter. the package also included a request for a free and clear title, revoking ( 16CFR 433.1.2.3 ) request them to STOP collecting interests on my contract being sold, and all payments returned to me as I am the Invester and not the creditor nor the finance company ( which the contract is legally between ). Navy Federal is operating as XXXX XXXX XXXX ( trustee company ) which according to XXXX and XXXX XXXX can't be so. 
Besides the fraud that has happened, my promissory note was never signed, and the number are wrong on the contract from the dealership and the number on the promissory note. I had a verified trade in, and the amount shown on my car doesn't show that the car before was FULLY paid off before the agreement was made on the new purchase. I never received the overage from my trade in either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-19 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: NH

Complaint narrative:
Sent a letter to the credit reporting agency on XX/XX/23. They notified me that they won't look into my disputes because I didn't send it, which is untrue.

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