vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received and email from credit report yesterday ( XX/XX/23 ) say that I have an authorized XXXX XXXX card that's over the limit. But I never applied for a card or received a card from XXXX 's. Which result in a big drop in my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I got scammed on XXXX marketplace and my bike will not help me get my money back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I certainly requested my free annual credit reports from the XXXX major credit bureaus, XXXX, XXXX and TransUnion. Upon going over every detail of the XXXX reports from the XXXX bureaus. I continue to find out that these credit bureaus seem to be tracking where I have previously lived for nearly 20 years or less. They have my current residence which is permanent for the past eight years, and same phone number for the same length of time and employment status, retired for eight years as well. By presenting this information on all of the three credit reports I have requested and received. I feel as though this is a form of invasion of my privacy, no need to keep tracking me at each and every place I have lived or been employed for years at a time. This information on my three credit bureaus credit reports needs to be updated and removed. I am permanently living at the same address, phone number, and employment status since 2018. Why are they tracking my movements for such a long time on my credit file?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mid-Atlantic Finance Co., Inc.
State: AL

Complaint narrative:
A buy here pay here sold my stuff to a bank without my approval and they ran my credit and it wasnt supposed to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
First, the account is not recognized, d and neither is the information. After disputing it, XXXX reported it as a charge-off. 
this is a violation of 15 usc 16 18 1 e b here how they report it : Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Payment summary XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX CO XXXX CO XXXX CO XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updatedXXXX XXXX, XXXX Original balance {$2000.00} Account info Account XXXX Open/closedClosed Date openedXXXX XXXX, XXXX Account typeUnsecured Payment summary XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX CO XXXX CO XXXX CO XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX StatusAccount charged off. {$1600.00} written off. 
Company soldXXXX XXXX XXXX After XXXX attend to get the XXXX, they refused to provide it, and instead send me a letter that they assigned the debt to a debt collector. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX vs XXXX XXXX XXXX XXXX XXXX. I presume that no proof of that alleged debt, nor therefore any such debt, in fact therefore exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
First, the account is not recognized, d and neither is the information. After disputing it, XXXX reported it as a charge-off. 
this is a violation of 15 usc 16 18 1 e b here how they report it : Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Payment summary XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX CO XXXX CO XXXX CO XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updatedXXXX  XXXX, XXXX Original balance {$2000.00} Account info Account XXXX Open/closedClosed Date openedXXXX XXXX, XXXX Account typeUnsecured Payment summary XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX CO XXXX CO XXXX CO XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX StatusAccount charged off. {$1600.00} written off. 
Company soldXXXX XXXX XXXXXXXX After XXXX attend to get the XXXX, they refused to provide it, and instead send me a letter that they assigned the debt to a debt collector. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX vs XXXX XXXX XXXX XXXX XXXX. I presume that no proof of that alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
First, the account is not recognized, d and neither is the information. After disputing it, XXXX reported it as a charge-off. 
this is a violation of 15 usc 16 18 1 e b here how they report it : Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX CO XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updatedXXXX  XXXX, XXXX Original balance {$2000.00} Account info Account numberXXXX  Open/closedClosed Date openedJan XXXX, XXXX Account typeUnsecured Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX StatusAccount charged off. {$1600.00} written off. 
Company soldXXXX XXXX XXXXXXXX After 5 attend to get the 1099, they refused to provide it, and instead send me a letter that they assigned the debt to a debt collector. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt vs Gravens mo0 281 sw 715.719. I presume that no proof of that alleged debt, nor therefore any such debt, in fact therefore exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received and email from credit report yesterday ( XX/XX/23 ) say that I have an authorized XXXX XXXX card that's over the limit. But I never applied for a card or received a card from Sam 's. Which result in a big drop 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 2023-06-18 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: CA

Complaint narrative:
I recently discovered a late payment entry on my credit report for my XXXX auto loan in the amount of {$1000.00}. The late payment occurred in XXXX XXXX and another FHB account balance still {$4500.00}, actually all of account been PAID OFF! I deeply regret this oversight and take full responsibility for the delayed payment. However, I would like to bring to your attention the fact that I had no prior knowledge of this late payment as I did not receive any communication from XXXX regarding the missed payment. 
Throughout my history with XXXX, I have maintained open lines of communication and promptly addressed any financial matters. However, in this instance, I did not receive any calls or correspondence from XXXX alerting me to the missed payment. It was only when I reviewed my credit report that I became aware of this late payment entry. 
As an XXXX XXXX XXXX member, my deployments often present challenges in managing my finances. However, I have consistently made it a priority to ensure that my payments are made on time. I find it unfortunate that I was not contacted by FHB regarding this late payment, as I would have taken immediate steps to rectify the situation had I been made aware of it. 
I kindly request your understanding and compassion in considering a goodwill adjustment to remove this late payment entry from my credit report. As a loyal customer of almost XXXX years, I have demonstrated responsible financial behavior and have consistently made timely payments on my accounts with XXXX. This isolated incident does not accurately reflect my commitment to meeting my financial obligations. 
I genuinely value the relationship I have built with XXXX XXXX Bank and believe in the exceptional service and support provided by your esteemed institution. I trust that you will take into account my loyalty, responsible financial behavior, and the lack of communication from XXXX in evaluating my request. 
Please feel free to contact me at your convenience to discuss this matter further or to request any additional information that XXXX be required. I can be reached at XXXX or via email at XXXX. I appreciate your time and attention to this matter and eagerly await your favorable response. 
Thank you for your understanding and consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 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: PA

Complaint narrative:
I submitted disputes for 3 Creditors : Original creditor : XXXX Original creditor : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Not only was I not provided the status of this dispute but I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist I am requesting for these items to be removed from my report immediately! 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 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: MO

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. 
MXXXX 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 believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 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: MO

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Bankruptcy address shown on report I never live there. Wrong information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Bankruptcy address shown on report I never live there. Wrong information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I certainly requested my free annual credit reports from the three major credit bureaus, XXXX, Equifax and XXXX. Upon going over every detail of the three reports from the three bureaus. I continue to find out that these credit bureaus seem to be tracking where I have previously lived for nearly 20 years or less. They have my current residence which is permanent for the past eight years, and same phone number for the same length of time and employment status, retired for eight years as well. By presenting this information on all of the three credit reports I have requested and received. I feel as though this is a form of invasion of my privacy, no need to keep tracking me at each and every place I have lived or been employed for years at a time. This information on my three credit bureaus credit reports needs to be updated and removed. I am permanently living at the same address, phone number, and employment status since XXXX  Why are they tracking my movements for such a long time on my credit file?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I certainly requested my free annual credit reports from the three major credit bureaus, Experian, XXXX and XXXX. Upon going over every detail of the three reports from the three bureaus. I continue to find out that these credit bureaus seem to be tracking where I have previously lived for nearly 20 years or less. They have my current residence which is permanent for the past eight years, and same phone number for the same length of time and employment status, retired for eight years as well. By presenting this information on all of the three credit reports I have requested and received. I feel as though this is a form of invasion of my privacy, no need to keep tracking me at each and every place I have lived or been employed for years at a time. This information on my three credit bureaus credit reports needs to be updated and removed. I am permanently living at the same address, phone number, and employment status since XXXX Why are they tracking my movements for such a long time on my credit file?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I DID NOT AUTHORIZE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I DID NOT AUTHORIZE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-18 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I'm a victim of identity theft and however, this is affecting me with my goals and my credit score. Theirs also inquires that I did not make and need to be investigated and removed asap I did reach out to the credit bureau with letters as well and nothing has been done. below are the unauthorized inquires and under 15 usc 1681 I hope that this matter is taking care of ASAP. Thanks, and XXXX XXXX XXXX. XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: FL

Complaint narrative:
First Progress is reporting an open account of {$130.00} balance. Credit limit {$500.00} and high balance of {$630.00}. 
The account was canceled by credit grantor. Was never opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

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.

THE FOLLOWING INFORMATION IS INACCURATE : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  Experian 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 2023-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have hard inquiries by several companies I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX line ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  ( XX/XX/XXXX )

Company response to consumer: Closed with explanation