vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As a consumer/ natural person/ living man, I am enforcing my rights. 
EXPERIAN is in clear violation of the law of 15 USC 1681b ( 2 ) - Permissible purpose of consumer reports. I did not give EXPERIAN written permission or consent to furnish any accounts or information on my consumer report, this is called identity theft. Violation! According to 18 USC 1028A, EXPERIAN knowingly transferred, possessed, and used my identity without my consent. 

Furthermore, EXPERIAN is in violation of 15 USC 1681e ( e ) ( 1 & 2 ) According to the law, EXPERIAN must produce the permissible purpose, they must also certify it and send me disclosures. 

And further, EXPERIAN is in violation of the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states that transactions and experiences are not to be included in a consumer report. 

And further, EXPERIAN is invading my right to privacy and isnt adhering to 15 USC 1681 ( a ) ( 4 ). 

And further, EXPERIAN is in violation of 15 USC 6801 - Protection of nonpublic personal information. EXPERIAN is obligated to respect my privacy and to protect my security and confidentiality of my nonpublic personal information. They have not done that. My information is not a matter of public records. 

And further, EXPERIAN is in violation of 15 USC 6803 ( a ) - Disclosure of institution privacy policy, where they did not provide to me clear and conspicuous disclosures of their policies and practices. 

And further, EXPERIAN is in violation of 15 USC 6802 ( b ), I was not given the opportunity to direct that these accounts not be disclosed on my consumer report and they did not give an explanation of how I can exercise that nondisclosure option. 

The following is the account name and numbers that are illegally being shown/reported on my consumer report : XXXX Account number XXXX Account number 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 2022-09-28 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: Avant Holding Company, Inc.
State: IN

Complaint narrative:
There is a WEBBANK/AVANT credit card account appearing in my XXXX credit report that is not mine and I have no knowledge of it. This account was able to make a hard inquiry ( date of inquiry XXXX ) while my credit report was frozen, I called XXXX ( XXXX ) and they moved me between various levels of supervisors and no one could explain why this company was able to make a hard inquiry and open a new account for the first time when my credit report was on active freeze. With this inquiry the bank company ( AVANT ) managed to create an account that appears on my record. I called AVANT and there is no one with my information on their records ( NAME, SSN, DATE OF BIRTH ). There is a XXXX dispute in place ( I can provide case number if needed ) but XXXX has not resolved the problem and removed this account that is not mine. 

This account only appears in my XXXX report and its affecting my ability to make financial decisions severely. The other credit Bureaus XXXX and XXXX do not report this account as mine and as such their credit report is massively different from my XXXX XXXX. I am pleading for help with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: AZ

Complaint narrative:
XX/XX/2022 I opted out of XXXX XXXX XXXX XXXX, I completed all documents that they are not to report on me and to remove me from there system and affliates as well such as third parties etc they use. 
They continue to share my informationa and report about me which is XXXX percent of the time inaccurate. 
I requested information from XXXX, Equifax and XXXX regarding what was reported by XXXX XXXX and copies of the documents they are basing the information that they are reporting on the bureau about my credit worthiness and still nothing. 
I have went back and forth with them about inquiries that were not authorized by me, that companies which include XXXX reporting hard inquiries or allowing XXXX XXXX to place multiple inquiries on my report which hit me hard and they refused. They keep sending me the same generic response that its been checked and remains. 

Recently, they reported I was over my limit on a Credit Card ( XXXX XXXXXXXX ) which I was not, by {$11.00} and said that was the reason my score dropped XXXX pts that it obsered. My history is good, my payment history on time, no lates nothing my usage is 17 % they don't comply to request they do whatever they wont. I was in the middle of a refinance and my score was XXXX and when they supposedly rec 'd notice that my credit card was over the limit by {$11.00} XXXX dropped score to XXXX and Equifax dropped it from XXXX to XXXX and XXXX dropped it to XXXX all for the same thing over the limit which I have uploaded and spoken to the credit card company who say they have notified them its not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: AZ

Complaint narrative:
XX/XX/2022 I opted out of XXXX XXXX XXXX XXXX, I completed all documents that they are not to report on me and to remove me from there system and affliates as well such as third parties etc they use. 
They continue to share my informationa and report about me which is XXXX percent of the time inaccurate. 
I requested information from Experian, XXXX and XXXX regarding what was reported by XXXX XXXX and copies of the documents they are basing the information that they are reporting on the bureau about my credit worthiness and still nothing. 
I have went back and forth with them about inquiries that were not authorized by me, that companies which include Experian reporting hard inquiries or allowing XXXX XXXX to place multiple inquiries on my report which hit me hard and they refused. They keep sending me the same generic response that its been checked and remains. 

Recently, they reported I was over my limit on a Credit Card XXXX XXXX  XXXX ) which I was not, by {$11.00} and said that was the reason my score dropped XXXX pts that it obsered. My history is good, my payment history on time, no lates nothing my usage is 17 % they don't comply to request they do whatever they wont. I was in the middle of a refinance and my score was XXXX and when they supposedly rec 'd notice that my credit card was over the limit by {$11.00} Experian dropped score to XXXX and XXXX dropped it from XXXX to XXXX and XXXX dropped it to XXXX all for the same thing over the limit which I have uploaded and spoken to the credit card company who say they have notified them its not.

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 2022-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Looking over my credit report with Equifax I notice two collections added to my report without my knowledge. XXXX XXXX XXXX XXXX placed XXXX  collections on my credit report first violating my rights as to allowing me to first validate it and second i never gave permission to have my medical record information released to a third party, so my HIPAA rights has been violated by both XXXX XXXX XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
From or around XXXX of XXXX I wrote a dispute letter to a collection agency ( Mullooly Jeffrey Rooney & Flyn XXXX ) pertaining to an unknown debt that does not belong to me. ( Case # XXXX ). In my letter I informed them that I dont owe XXXX  XXXX XXXX any money nor do the above acct belong to me. ( Plz see Ex-A ). I also instructed them to cease collections until the alleged debt is verified. 

From or around XX/XX/XXXX oXXXX XXXX I sent a follow up letter to the same collection agency to inform them that they never verified nor validated the above unknown debt that doesnt belong to me. ( Plz see Ex-B & ( b ) ). 

Too date, Mullooly Jeffrey, Rooney & Flynn XXXX, never validated the unknown debt and they are in violation of the Fair Debt Collection Practices Act, XXXX5 USC 1692g Sec. 809 ( 8 ). 

The above firm is still reporting false information to all 3 credit agencies ( Plz see Ex-c ). The false information that they are reporting stopped/interfered with me being able to receive any business funding, refinancing for my home which is now foreclosed, personal loans to help during the pandemic and valuable jobs which consists of a good credit scores etc for hire. 

I am now seeking legal remedies with all applicable agencies identified in FCRA 15 U.S.C. 1681, as well as pursuing civil actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I need my case reviewed. Everything is explained in the documents that I attached.

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 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I need my case reviewed. Everything is explained in the documents that I attached.

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 2022-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: AZ

Complaint narrative:
Date of incident XX/XX/XXXX COMPANY : CONTINENTAL FINANCE COMPANY ( SURGE CARD ) I made a payment on XX/XX/XXXX in the amount that was due {$35.00}, but later I was checking my acct with XXXX ( surge XXXX ) on line an saw XXXX payments were initiated. 
I didn't feel like calling and being on hold, so I just said I would let them both process. 

A week went by and the money never came out of my checking acct with XXXX which is what I used. I called the representative ( male ) told me tht the XXXX payments were being returned by my bank, I told him impossible they money is there, there are no RTItems on my account so something on there end must be wrong. 
He then said it was rejected never hit my bank, I told him all my information was correct and that the day I made my payment XX/XX/XXXX i only made one but two was initatied and that maybe that had something to do with it. 
I asked him to remove the late fee XXXX on XX/XX/XXXX and return item fee XXXX for both which would total XXXX and he said he couldn't because it was showing yet wait for my statement. 
but it did show on my end so I called back XX/XX/XXXX wanted the charges removed it was not my fault that the money was there.I told them he talked to my bank on a three way call, and they confirmed the money was in my acct and had been. 
that nothing tried or attempted to process and the bank got off the phone. 
He said he didn't have ref # for calls but that when I called back to get fees waived they could listen to the call and he would put notes. 

anyways, i asked them to listen to the call and waive all fees, clear my acct so it doesnt reflect anything negatitive as I pay always on time, and twice a month some times since i had the card. 

they refused. 
Also, i spoke to a specialist she had over three checking accts on her end but I couldnt see them on the online system were you select your acct and what she had was not anything i use. 
She deleted them all, but again the accounts i used and read the number back to her, she didnt even have. So what I did and will continue to do is caLL AND USE A DEBIT CARD. ON XX/XX/XXXX WHEN I CALLED I PAID XXXX WITH A DEBIT CARD WHCIH CLEARED INSTANTLY WITH A FEE OF COURSE. IF A CONSUMER HAS TO PAY WITH A FEE BECAUSE THERE IS A ISSUE WITH PROCESSING THROUGH CHECKING ACCT 'S IT SHOULD BE WAIVED. 

WHY ARE WE BEING CHARGED TO USE A DEBIT CARD?

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 2022-09-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
I was offered {$450.00} bonus if I maintained {$50000.00} for 90 days. I did so and it was claimed that the 90 day period started 15 days after opening not after I funded it. This was not clearly laid out in the terms. 



Full Terms you have or had an open 360 Performance Savings, 360 Savings, 360 Money Market, Savings Now or Confidence Savings account as a primary or secondary account holder with Capital One on or after XX/XX/XXXX, you will be ineligible for the bonus. If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus. 
Heres the full scoop on how to earn your bonus : Open a XXXX XXXX XXXX account between XXXXXXXX XXXX ET on XX/XX/XXXX, and XXXXXXXX XXXX ET on XX/XX/XXXX. When you open your account, ensure you enter in promotional code XXXX in the XXXX XXXX box. 
Deposit a total of {$20000.00} or more ( Deposit Amount ) of externally sourced funds ( transfers between Capital One accounts will not qualify ) within the first 15 days of account opening ( Initial Funding Period ). You will earn a bonus once youve maintained the Deposit Amount of {$20000.00} or more for 90 days following the Initial Funding Period. The amount of your bonus will be determined as follows : {$150.00} bonus The money deposited from an external bank during the Initial Funding Period was between $ XXXX {$49000.00}, and you maintained that Deposit Amount for 90 days. 
{$450.00} bonus The money deposited from an external bank during the Initial Funding Period was {$50000.00} or more, and you maintained that Deposit Amount for 90 days. 
Capital One will deposit the bonus into your account within 60 days after you have completed all the requirements above. 
If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus. If at any time during the 90 days following the Initial Funding Period your Deposit Amount drops into a lower tier, you will be rewarded that tiers cash bonus. If your Deposit Amount decreases to an amount less than {$20000.00}, you will not qualify for a cash bonus. This account is subject to approval. This offer can not be combined with any other 360 Performance Savings account opening offers. Only one promotional code is accepted. Bonus is only valid for one new 360 Performance Savings account. The amount of your bonus will be reported on IRS form 1099-INT to the IRS ( and your state revenue authority , if required ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: AR

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, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 before that the information is inaccurate. 

Multiple of these accounts have inconsistencies in the reporting pictures are also attached.

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 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested validation twice directly to XXXX XXXX XXXX. No validation is provided within 30 days. Rep said the email probably went to spam. I never agreed to have email as an acceptable form of communication. I should have had the chance to refuse this form of contact. Delete immediately not only have they exceeded the 30 day validation request to prove I owe the debt to XXXXXXXX XXXX  directly, i was never given the ability to properly dispute this form of initial contact. They responded by saying that the email was probably in my spam folder. That is not acceptable. Please delete it immediately.

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 2022-09-28 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: GA

Complaint narrative:
I submitted disputes and the FTC report for the fraudulent accounts that were opened using my identity and credit. After XXXX, Transunion, and XXXX conducted their investigation of the following accounts they still refused to remove these accounts which are fraudulent. 

XXXX XXXX Adjustment - Account Number XXXX - Amount : {$360.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXXTRANSUNION XXXX XXXXXXXX XXXX Account XXXX XXXX - Amount {$600.00} XXXX XXXX - Account Number XXXX XXXX XXXX {$950.00}

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 2022-09-28 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: GA

Complaint narrative:
I submitted disputes and the FTC report for the fraudulent accounts that were opened using my identity and credit. After XXXX, XXXX, and Experian conducted their investigation of the following accounts they still refused to remove these accounts which are fraudulent. 

XXXX XXXX Adjustment - Account Number XXXX - Amount : {$360.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX-EXPERIAN-XXXX  XXXXXXXX XXXX XXXX Account XXXX XXXX - Amount {$600.00} XXXX XXXX - Account Number XXXX -Amount XXXX {$950.00}

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 2022-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
On both XX/XX/XXXX and XX/XX/2022, XXXX repetitively called me and left voicemails regarding an inaccurate debt. It is persistent, it is back to back. It is a constant.

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 2022-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I mistakenly paid my car payment to Best Buy. No one at Best Buy has helped and they actually told me that they couldn't help me. I no longer have an account with them so the payment is just sitting there. My bank reached out to Best Buy but they haven't 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 explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: WA

Complaint narrative:
Hello, in early XXXX of this year I had to complete a security check for a financial institution, XXXX XXXX, and failed the check. Then on the XXXX XX/XX/2022, I failed another security check with XXXX, an insurance company. From the questions both agencies asked me and the answers that were presented, it appears that the company/companies compiling this information has me confused with a person with a similar that is my age and lived in cities that I also lived in but is not me. My recent credit reports do not have me confused with this other person, only these security questions.

Company response to consumer: Closed with explanation