vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 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: IN

Complaint narrative:
XXXX, Experian, XXXX, as a consumer reporting agency, is governed by 15 USC 1681 and I have evidence that they have violated my rights under this act multiple times. The following accounts listed below were furnished by XXXX, Experian, XXXX without my written consent and I demand their immediate deletion : XXXX XXXX XXXX  Account Number : XXXX According to 15 U.S.C 1681 Section 602 A, I have the right to privacy. Additionally, Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) also states that a consumer reporting agency may not make any report containing adverse information that antedates the report by more than seven years. Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) requires that a person shall not furnish any information about a consumer if they know or have reasonable cause to believe that the information is inaccurate. 

I also did not authorize the following companies to access or pull my credit report, and these inquiries were fraudulent. I have contacted these companies and they have no proof of authorization or permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 conclusion, I demand immediate removal of these blatant violations of my rights. Failure to do so will result in me taking legal action against all parties involved. I request that the Consumer Financial Protection Bureau takes swift action in resolving this matter and ensuring that my rights are protected. Thank you for considering my complaint.

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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hard inquiries I do not recognize.

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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

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 2023-02-03 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: MD

Complaint narrative:
Early last year, I applied for the XXXX XXXX XXXX XXXX program and in XX/XX/XXXX, my student loans were transferred from XXXX to XXXX. 

On XXXX XXXX, XXXX while checking my credit report, I noticed that my student loan balance was doubled because it was reporting twice. Upon further inspection, I realized that XXXX is still reporting my loan account as open with the full balance. 

I contacted XXXX that same day via chat to have the discrepancy resolved. I was told that I needed to dispute the information with the credit bureaus, at which point XXXX would confirm the account is closed with XXXX balance and it would be updated correctly. 

I submitted disputes with all three credit bureaus on XXXX XXXX, XXXX. On XXXX XXXX, I was notified by Experian that XXXX confirmed that the account was still open and the full balance was correct, so no changes were made to my credit report. 

XXXX continues to report erroneous information to the credit bureaus. My account is paid in full with them and closed ( which is reflected if I log into my account ) and yet they continue to report something different to the credit bureaus.

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 2023-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Tried to call in to customer service in regards to my loan payments and setting up auto payments and the dealership did not help along with trying to get hold of Wells Fargo Dealer services since a Wells Fargo branch was not close to my home at the time. They repossessed the car after only a few months of having it. And I had a remaining balance after they sold it in auction I believe and did for a long time but it was between the years of the fraudulent activities from 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 2023-02-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: W&A Intermediate Co., LLC
State: NV

Complaint narrative:
no knowledge of these accounts. no contract with these companies. please remove, they reposted this account. reporting innacuretly across the bureaus, no account info, this is violationg consumer law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: GOLDMAN SACHS BANK USA
State: AE

Complaint narrative:
During XX/XX/XXXX the company reported my account as a late payment which is affecting my XXXX XXXX. During that time the company approved me into the program for hardship during XXXX. The company did not follow the XXXX act and still reported my account as past due. I called before and had told me they would remove due to it being incorrectly reported. The company refuse to remove the late payment stated they sent me letters saying I wasn't approved which is not accurate. i am asking them to comply with the XXXX act to have the late payment removed for XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03 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: WA

Complaint narrative:
TO WHOM IT MAY CONCERN, I have never given you any verbal or written consent to report anything on my consumer report. NO CONSENT IS IDENTITY THEFT. A copy of the law is attached with this dispute and complaint.

15 USC 1681b PERMISSIBLE PURPOSE OF CONSUMER REPORTS ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have NOT given you permission to access my credit profile and you have no permissible purpose BY LAW to contact third parties with my private or personal information. Your offenses amount to AGGRAVATED IDENTITY THEFT pursuant to 18 USC 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You do not have any permissible purpose to furnish my personal information to any third party.

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 2023-02-03 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: WA

Complaint narrative:
TO WHOM IT MAY CONCERN, I have never given you any verbal or written consent to report anything on my consumer report. NO CONSENT IS IDENTITY THEFT. A copy of the law is attached with this dispute and complaint.

15 USC 1681b PERMISSIBLE PURPOSE OF CONSUMER REPORTS ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have NOT given you permission to access my credit profile and you have no permissible purpose BY LAW to contact third parties with my private or personal information. Your offenses amount to AGGRAVATED IDENTITY THEFT pursuant to 18 USC 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You do not have any permissible purpose to furnish my personal information to any third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
XXXX is not accurately reporting my payment history with the account that is reporting on my credit report under 15 USC 1681 ( e ) b Compliance Procedures XXXX is knowingly reporting a late payment falsely according to the class action lawsuit brought upon them by the CFPB and it has been affecting my credit. The lawsuit states that they admitted they were falsely reporting late payments on peoples credit report. How do you guys sleep at night, knowing you've affected peoples lives? 

The Company really did people wrong and messed with my livelihood. I will not stop until I get my specified remedy. 

" The CFPB also claimed XXXX knew it provided inaccurate information yet took years to take reasonable measures to address the problems '' XXXX This is crazy to me and makes me angry to know you knew. 

https : 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 2023-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
It does not matter I have not been able to get a auto loan even with XXXX XXXX down because these ignorant dealerships run my credit as many times as possible and they come back with an astronomical amount of money needed down. I havent been able to get s credit card or anything since I was XXXX. Never. Something is up with my credit file to where it prohibits any one lending me money

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 2023-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THIS XXXX XXXX ACCOUNT FOR THE AMOUNT OF {$1200.00} IS AGGRESSIVE FRAUD COMMITTED AGAINST ME. MY PERSONAL INFORMATION IS COMPROMISED WITHOUT MY CONSENT AND BEEN ADDED TO MY CREDIT REPORT WITHOUT PROPER VERIFICATION AND HAS BEEN AFFECTING MY LIFE. MY PERSONAL INFORMATION HAS BEEN ALSO BEEN IN SEVERAL BREACHES LIKE THE XXXX AND EQUIFAX BREACH. 
ACCORDING TO THE FCRA 15USC1681, THIS IS A VIOLATION. IM REQUESTING THAT THIS ACCOUNT BE REMOVED IMMEDIATELY FROM XXXX, XXXX, AND EQUIFAX. 
AS I REPORTED THIS TO THE CFPB AS WELL. ALSO PLEASE UPDATE MY ADDRESS TO ONLY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. ANY OTHER ADDRESSES LISTED ON MY CREDIT PROFILE ARE FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
On XX/XX/XXXX, I received several text messages from Paypal 's fraud department asking if I was attempting to make a payment of XXXX. Paypal also sent me emails indicating that there was unusual account activity. I denied those messages TWICE as they were clearly unauthorized transactions. I changed my password both times. Later that morning I got an email saying the XXXX was authorized and completed and also that a monthly automatic payment had been established with the vendor!

I immediately disputed the charge as unauthorized and ended the billing agreement with the vendor. For whatever reason, Paypal DENIED my request for a refund and indicated that it was not unauthorized activity. I was confused by that because 1. The item was being sent to a person and address that was not associated with my account and 2. Paypal is the one who notified ME of unusual activity via text and email. 

I spoke with XXXX at customer service around XXXX who said the case was denied because I " selected the wrong case reason '' which is completely untrue. They claimed to reopen it with the correct case reason but now it reflects that " I didn't get my merchandise ''. She said they will be looking into the fraud but I still don't know if I will be receiving a refund. I am definitely concerned that there is a bigger problem here with a Data Incident breach as these cases usually can not be reopened or appealed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: AE

Complaint narrative:
During XXXX XXXX XXXXXXXX, Navy federal agreed to enroll me in their hardship program during covid. I was accepted into the program and the company reported my payments as late which is now affecting my credit score. I have reached out to the company asking to remove the late payments as it is a violation of the CARS ACT. The company refuse and states the information is accurate. I have been with the company for 13 years and never had a late payment. This is unacceptable and a complete violation of my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: WA

Complaint narrative:
TO WHOM IT MAY CONCERN, I have never given you any verbal or written consent to report anything on my consumer report. NO CONSENT IS IDENTITY THEFT. A copy of the law is attached with this dispute and complaint.

15 USC 1681b PERMISSIBLE PURPOSE OF CONSUMER REPORTS ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have NOT given you permission to access my credit profile and you have no permissible purpose BY LAW to contact third parties with my private or personal information. Your offenses amount to AGGRAVATED IDENTITY THEFT pursuant to 18 USC 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You do not have any permissible purpose to furnish my personal information to any third party.

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 2023-02-03 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: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I kept receiving letters regarding a medical debt from XXXX XXXX from the orignal creditor XXXX XXXXXXXX XXXX XXXX, I informed them this was not my debt and fraudulent and issued a cease and desist. They since sold this debt to Phoenix financial services which they contacted me about. I informed them this was not my debt and disputed it with themselfs they sent information saying what verified this debt basically wrong last name address is wrong correct previous street wrong apt number, no social security was provided at visit and also no ID was shown at the time of visit and no Insurance given which I have Insurnace. Further said this is clearly not my debt and fraudulent. But apparently that was enough for verification. So I issued them a cease and desist letter too as for 2 years nothing showed on my credit report as I assumed it couldnt being incorrect info. Now last month it appeared on my report. I contacted XXXX and disputed this explaining this was identity fraud at a emergency visit and that its not my debt I expected this to be removed but they have certified the debt is valid even with a misspelt last name and what is a blatant attempt at fraud. At this point I want them to stop reporting the debt on my credit report as its not mine. I am in contact with my attorney who advised i and contact yourself first to dispute before taking appropriate legal action. Please inform if you can help with this debt, so I can proceed as needed. 

The amount is for {$520.00} and the account was opened XX/XX/2022 on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents 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 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a secured credit card with Wells Fargo in XXXX and they billed me with big amounts on the card which caused me to loose my money and 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 2023-02-03 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: MS

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 : Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents 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 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents 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