vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-12 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 recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to I provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : I have improper names and address that also need removal and phone numbers : 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 non-monetary relief
Consumer complaint received 2023-11-12 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: OH

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to I provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : I have improper names and address that also need removal and phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 

Because I did not apply for credit with XXXX XXXX XXXX I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter.

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 2023-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I was told i wouldnt pay more than XXXX I was scammed into a higher than agreed upon interest rate, yet my credit score along with my cosigners suffers due to allegedly oweing XXXX i made all on time payments until the vehicle was repossesed late at night never to be seen again. i sent an affadavit stating i no longer was to be responsible for the vehicle loan on my credit score but every month i still get hit in my credit score

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 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi, I have a Capital One credit card and I tried to pay through the website and when I entered the bank account from which Capital One can withdraw money from my bank account. I accidentally entered my bank account and also my check number, for example I entered the account number XXXX and also added XXXX which is my check number and that's why XXXX XXXX did not have the option to withdraw the money. And they wrote that I have a return payment And I called them several times and they understood the problem and they didn't want to help me open my account back I have a few complaints about this 1 Capital One did a great deal of damage to my business because I couldn't run the business as usual, buy things and sell and with that pay Capital One 2 They did me a great deal of damage that they put on the credit report that I have a credit card that was closed to me 3 Capital One did me harm, they also closed the private credit card I had at Capital One 4 Capital One When they closed my card I had points and cash back percentages for every dollar I use the card and they did not credit the money to my account 5 Capital One closed my account and the credit card was for 12 months without interest and because they closed my card I couldn't do well with the business which is why I want them to open my card back and give me another 24 months to pay the debt without interest. 

I have asked them several times to reopen my account and there is no answer Therefore, I appeal to you, Consumer Financial Protection Bureau, to help me. The injustice that Capital One did to me is a great injustice and can not be forgiven. And I really hope to God That you help me open the voucher I had back and all the winnings I deserve I have no words to bless you Best regards XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
i tried too opened a bank account but i cant its giving me issues everything i am trying too open a new account for a new employment XXXX for direct deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
XX/XX/23 : Two fraudulent Zelle payments to XXXX XXXX of {$400.00} and {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: OH

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to I provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : I have improper names and address that also need removal and phone numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
One main financial is reporting an Inquiry on XX/XX/2023 that i did not authorize on my XXXX credit report. It needs to be removed as it is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
It has just came to my attention that there are multiple hard inquiries on my credit report. I see that the inquirys are not done by me. Ive never applied for any of those. I tried to contact XXXX, XXXX  and XXXX on XX/XX/2022 via mail. No one ever got back to me and the hard inquiries are still there on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I applied for a credit card on XX/XX/23 and got denied. The credit card was Apple Card. A consumer credit transaction in 15 USC 1691 defines the Equal Credit Opportunity Act. This prohibits creditors from discriminating against credit applicants. I have the right to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit score took a hit when there was a hard inquiry by XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ( XXXX ) XXXX I had never requested a hard inquiry from this government agency - so I am not sure why they pulled my credit. I would like to have this hard inquiry removed from my record.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. 
This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt-Balance claimed including all fees, interest and penalties-Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting an Inquiry on XX/XX/2023 that i did not authorize on my Transunion credit report. It needs to be removed as it is affecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation
State: FL

Complaint narrative:
I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 

Because I did not apply for credit with XXXX XXXX XXXX XXXX have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK
State: WA

Complaint narrative:
In early XXXX, I entered into a forbearance under the CARES Act where I was allowed to postpone my mortgage payments for a duration of up to a year due to XXXX hardship. 

However, after attempting to exit my forbearance and make a payment plan, as stated under the CARES Act, Midland Mortgage refused my payment plan and demanded payments in full. When I would try to apply for the payment plan, they would use every excuse possible on why I didnt qualify and instead tell me that I owed them over $ XXXX as a XXXX time payment. 

During this process, I still continued to make regular monthly payments to cover my mortgage, including during the months of XX/XX/XXXX to XX/XX/XXXX. 

However, since the CARES Act states that a mortgage company can not mark forbearance periods as late payments, Midland Mortgage decided to work around this by instead counting the payments I would make towards different months. For example, the payment I made on XX/XX/XXXX would instead be applied to the XX/XX/XXXX payment, even though the payment was made by me towards the XX/XX/XXXX payment and not the forbearance amount, as that was under a XXXX XXXX application. 

They are currently reporting to my credit bureaus as my payments being late from XX/XX/XXXX to XX/XX/XXXX. I did make payments during these months and these payments were the exact payment amounts that were agreed upon. I was not late on my payments during the months reported. 

I submitted a dispute to XXXX with the exact above information, but XXXX did not update my information even after attaching the transaction history that shows I submitted payments for those months.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I never lived at 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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've requested 3 times for Experian to remove an inaccurate address from the person info section of my credit report. They refuse to remove it and have nor provided any documentation or proof as to why it remains. Per FCRA law, info on my credit report must be accurate or deleted. This is frustrating that I continue to have an address that is not mine on my credit report and I have recently been a victim of fraud, possibly due to this incorrect address on my report. 

Address in question : XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2023-11-12 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:
This notice is to inform you that you have broken law. You are unlawfully reporting unauthorized accounts on my consumer report that has violated my federal protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given permission to furnish anything on my credit profile. You have violated me pursuant to 15 USC 1681 ( b ), the permissible purpose of my consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 102BA. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g. My instructions are for you to delete these accounts immediately. 

XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
On XX/XX/2019, I contacted XXXX, a debt management service firm to assist with helping me to consolidate and settle debt payments. XXXX XXXX  has financed me in the amount of {$23000.00} with an annual percentage rate of 24.50 % for a total of {$49000.00}. I have made attempts to log into the accounts that I have with CashCall and XXXX XXXX XXXX, only not to be able to access these accounts at all because of name changes, portals no longer existing, etc. I have not received any correspondence regarding these changes, and since XX/XX/2019, I have been making payments in the amount of {$580.00}. I can not contact these companies to try to figure out what is going on or even to try to renegotiate anything. I have no idea at this point where my money is going. 

In addition, I also enrolled my husband in XXXX the following year, and he has been making payments in the amount of $ 639 monthly. 

Without being able to contact these companies, our money is just going out to places we have no idea about, and I am fearful we will keep paying in perpetuity to organizations that no longer exist. Can you please help us to rectify this matter, and if necessary, can we find a way to no longer pay these companies, especially if they are fraudulent and are no longer around? We have no idea what happened, as we have not received any correspondence regarding changes.

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 2023-11-12 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: MI

Complaint narrative:
In accordance with the fair credit # XXXX, has violated my rights. 
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 a account without my written instructions.

15 USC 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