vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 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: NC

Complaint narrative:
CFPB 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 : ACCOUNT # XXXX has violated my rights. 

XXXX XXXX  XXXX : ACCOUNT XXXX XXXXXXXX has violated my rights. 

XXXX : ACCOUNT XXXX XXXXXXXX has violated my rights. 

XXXXXXXX XXXX : ACCOUNT XXXX XXXXXXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX has violated my rights. 

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 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 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Recently, I exercised my right to credit yet was unlawfully denied that right. 
This is a direct violation of my rights as a consumer.

15 USC 1602 ( f ) tells me credit is my right. I can not be denied a right.

15 USC 1691 ( 3 ) I exercised my right to credit.

15 USC 1602 ( g ) - the term creditor explains I am the person who regularly extends credit. I credited this transaction so how can you deny me?

15 USC 1681 ( k ) Adverse Action - nothing under Adverse Action gives you the right to deny me.

15 USC 1602 ( l ) I credited this transaction as a creditor from my credit card, this was a credit transaction from my credit card.

15 USC 1602 ( p ) unauthorized use, you ran the credit card and I received no benefit.

15 USC 1602 ( p ) makes it clear that you committed fraud and used my credit card without authority and I received no benefit from this transaction.

15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for exercising my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: IL

Complaint narrative:
In accordance with the fair credit reporting act 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 purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-12-07 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: NY

Complaint narrative:
15 USC 1681a ( 2 ) ( a ) ( i ) REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ACCOUNT - 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 2022-12-07 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: FL

Complaint narrative:
I have attached 2 FTC reports with inquiries I did not authorize, please delete them ASAP they are affecting my life

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 2022-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MARINER FINANCE, LLC
State: TN

Complaint narrative:
Good Morning, I received a letter from XXXX XXXX XXXX XXXX XXXX firm, for the collection of a debt that was just an over sight on my part, from Mariner Finance for a total of XXXX. I contacted Mariner Finance to try to make up payments and then have them, to start taking automatic withdrawal from my checking account, and they refused stating that they would get in trouble for talking to me and stated I needed to talk to the attorney, in which I did contact the above mentioned attorney 's office and tried to set up the same arrangement, and they stated that I had to make the full payment, and I stated to them that I retired, but they refused to let me make any kind of payment, and refused to automatic take payments direct out of my checking account. They stated that they will sue. I do owe the debt and want to pay, but they refuse. 

Mariner Finance XXXX Attorney XXXX I am really trying to get this resolved. 

Thanks for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX. XXXX, XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XXXX XXXX somebody used my personal information and SSN to fraudulently to open personal loan with XXXXXXXX XXXX. The total amount of personal loan with interests was {$19000.00}. It all happened during my absence from the US, at this time I was residing in XXXX and couldn't do this online.

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 2022-12-07 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
The card was frozen by the company without permission also to call it was frozen twice within the last two months so this is the third time they will not release the payroll funds in and giving us the runaround they keep saying 24 to 48 hours when the information that was asked for has been sent to them since Saturday and also theyre saying they didnt get the information which was sent again yesterday till yesterday is stopping us from getting food. Also paying bills and getting medication that is needed greatly.

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 2022-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Victim of Id theft and Fraud. Consumer report continues to be damaged for a debt being reported by Capital one. Sent out Disputes to Cap one with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
THIS IS A SECOND TIME SUBMITTING COMPLAINT AS INFORMATION CITI BANK PROVDED WAS NOT RELATED T ME : O/A XX/XX/XXXX I contacted CITIBANK Costco indicating I was disputing accounting under the FCA/FRP and to date I have not received any information in regards to that. XXXX XX/XX/XXXX I sent notification again to date have not received a reply. On the XXXX of XX/XX/XXXX I received a Summons from the law firm of XXXX XXXX XXXX XXXX indicating they are representing CITIBANK COSTCO and suing me. I believe CITIBANK COSTCO has not followed dispute procedures. XXXX XXXX XXXX XXXX has not identified to me previously either they were trying to collect a debit, is this company a debit collector?

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 2022-12-07 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 sec 602, 604 I never gave Amex permission to report this account on my credit report. The late payments were suppose to be removed, and my right to privacy has been violated. Please remove all late payments immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize, please delete them ASAP they are affecting my life

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 2022-12-07 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: MI

Complaint narrative:
To whom this XXXX concern, I just recently discovered that there is some unauthorized information in my name being used on my credit report and would like to file a dispute. This information is unauthorized, and I do not approve for it to be reflected on my credit report. It is inaccurately reporting on my Experian credit profile, as it does not show upon my XXXX and XXXX credit profiles. I believe that I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized. I have tried XXXX times to contact this well as EXPERIAN regarding this inaccuracy. I have sent a cease and desist, XXXX XXXX XXXX, XXXX XXXX letter asking to accurately verify this collection/debt through certified mail also explaining my rights and consumer laws that have been violated by their company ( XXXX ). I have received XXXX results from these company ( XXXX ). I am insisting that they be deleted from my credit report as soon as possible. There is no proof of my authorization or consent, my signature or proof of debt/contracts.

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 2022-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I received a notification that I have been turned to collections by XXXX XXXX XXXX for unpaid accounts. I did not open the accounts and have been a victim of Identity theft. I have disputed the accounts withe 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 2022-12-07 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
I typically pay this account in full each month by transferring funds from my primary checking account with XXXX XXXX XXXXXXXX into First Tech Federal Credit Union. I called First tech Federal Credit Union on XX/XX/2022 to inquire about an alternate way to pay the account as it would have become past due and was told I had a ten day grace period, and as long as I submitted a transfer request fro a future date there would be no impact to my account. First Tech Federal credit Union then reported this account as 30 days past due. First Tech Federal Credit Union has a copy of my conversation with the representative. 

If I hadn't been provided false and misleading information I would have paid the past due amount in some alternative manner to avoid an impact to my credit report, which has no past due payments whatsoever and I am currently in the process of buying a home.

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 2022-12-07 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: HI

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my right. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2.

It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-12-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Our mortgage was transferred from XXXX XXXX XXXX to New Rez Finance last month. XXXX XXXX XXXX processed our COVID Forbearance in XXXX and per several conversations and paperwork, the amount ( {$44000.00} ) during the forbearance period would be transferred to the back of the loan. As of XX/XX/XXXX, New Rez took over our mortgage XX/XX/XXXX and XXXX XXXX XXXX did not include the forbearance period amount to the transferred mortgage. Unbeknownst to us, we receive a separate mortgage in the mail by a company called XXXX XXXX service requesting the entire forbearance amount of {$44000.00} dollars without any notification XXXX XXXX XXXX XXXX. Our first mortgage payment to New Rez was submitted on XX/XX/XXXX through bank ACH from XXXX XXXX XXXX XXXX. The payment was processed, cleared and confirmed by XXXX XXXX. Upon logging into my account to make XXXXXXXX XXXX payment, I noticed the XXXX amount was showing not received. I contacted XXXX XXXX and they confirmed there was a tracking number through the treasury, and the payment was received by New Rez on XX/XX/XXXX. XXXX XXXX initiated a dispute for the payment, and I resubmitted another payment to New Rez on XX/XX/XXXX to avoid our credit being impacted. I just logged into the New Rez account and the balance shows we are now owing XXXX and XXXXXXXX XXXX payment. XXXXXXXX XXXX payment was made on the XXXX and withdrawn from our bank account just like the payment made on XX/XX/XXXX. I was purposely waiting for XXXX XXXX  period to process prior to making XXXXXXXX XXXX  payment, but our account shows no credit to the account for the last payment made. I also firmly believe once our mortgage was updated to reflect our XXXX Veteran tax exempt status, XXXX decided to sell our loan; and they were also dishonest in their process regarding the COVID forbearance. I spoke to New Rez on XX/XX/XXXX when I made the payment which was processed over the phone by an agent. I don't know where the payments are going, but I am not comfortable about this entire process with them. I see incompetence from a company who can not even track mortgage payments they are collecting. This is also straining us financially, and not to mention the additional mental anguish. Please investigate these two companies for unfair mortgage practices. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: NV

Complaint narrative:
XXXX you wrong information method of verification XXXX use of my information I written in a certified letter to the company, requesting method of verification within XXXX days. I have not received anything, and no update on how they verified this account with the miss information on there. 

In accordance with the fair credit reporting act. The lost of account has violated my federally protected consumer rights of privacy and confidentiality under 15 USC 1581. 


Account name XXXX of Nevada XXXX Has violated my rights 15 U.S.C 1691 section 602 A. states I have the right to privacy. 

15 U.S.C is 1681 section 602 A section 2 it also states a consumer reporting agency can I furnish account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) section states No consumer report agency may make any consumer report containing any other following items of information. Any other adverse items of information other than records convictions of crime which antedates the report more then XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has reasonable to believe that information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
See attached. 
I am victim of identity theft ** I DO NOT CONSENT TO E-OSCAR **

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 2022-12-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize and are fraudulent and need to be deleted ASAP they are affecting my life

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: CA

Complaint narrative:
I went thru a loan modification, and have made all of the payments as instructed by XXXX XXXX, which is reflected in my payment history. XXXX XXXX  did not apply the funds correctly, and left the account as delinquent. I called multiple times over 2 months and was assured it was an error on their part and that it would be corrected. Then when it went on my credit report again I called several times, and again I was told it was an error on their part and it would be rectified. As of today it still has not, but the payments were made on time per their instructions.

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