vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 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: MI

Complaint narrative:
In accordance with the fair credit reporting act convergent accounts, XXXX XXXX XXXX  account number XXXX, and XXXX XXXX account number XXXX, XXXX XXXX XXXX accounts XXXX, XXXX, US Dept of Ed/XXXX  account XXXX XXXX, State of MI. Office XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX. account number XXXX, and -account number XXXX has violated my right XXXX under Article 15 USC 1681 section 602 ,8 I have a right to privacy and 15USC 1681 section 604a.section 2pPermissible purpose of consumer reports can not furnish my report without my written instructions, and 15 USC code1692c. can not communicate with debtor 's the I was not aware of these debts until I accessed my credit report and dealing with identity theft and being denied housing because of this negative entries on my report I had know knowledge of and I ask credit bureau to remove these items several times and they refunded and didn't to a proper investiga tion.

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 2022-04-27 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 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 XXXXXXXX, Has all validated my rights 15 U.S.C 1681 Section 602 states I have the rights to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: MO

Complaint narrative:
In accordance with the fair credit reporting act 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, Has all validated my rights 15 U.S.C 1681 Section 602 states I have the rights to privacy.

15 U.S.C 1681 Sectign 604 A Section 2 : It also States a customer 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 2022-04-27 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: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # 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 purpose. 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 2022-04-27 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 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 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 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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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

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 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied for a new credit card with capital one. I applied online. for months capital one was sending me notice that I'm pre-approved for a Quick silver credit card. after applying for the QS card. I was approved and the card was sent to my home with a {$10000.00} credit limit. I activated the card for use attempted to make a small purchase and the credit card was denied. I called capital one to see what the problem is. I was informed by a rep that they need more information from me. I have another credit card account with capital one in excellent standing. they want a copy of my SS card, light bill, and state ID. after complying a few times with their request. they said my state ID. wasn't a good ID. capital one inquired on my credit report after saying it wouldn't go against my credit. I decided, I didn't want the card after the hassle to use it, however I did register a complaint with capital one after they approved me for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
n accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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 XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX Account 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

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 2022-04-27 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 XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX XXXX Account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: WA

Complaint narrative:
Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite XXXX written requests, and the XXXX XXXX XXXX XXXX  stating that this item will be removed from my credit, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX09 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: MI

Complaint narrative:
As of XX/XX/XXXX, there are multiple unauthorized inquiries and derogatory/collection accounts reported to my credit. Here are the following ; as of XXXX there is a collection that is derogatory of {$0.00} reporting to my credit from XXXX XXXX XXXX XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX there is an unauthorized inquiry for a loan reporting to my credit XXXX XXXX original creditor XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX there is an unauthorized inquiry for an auto loan to my credit from XXXX XXXX XXXX original creditor is XXXX XXXXXXXX. Multiple attempts have been made for removal. As XX/XX/XXXX there is an unauthorized inquiry for an auto loan from XXXX XXXX original creditor is XXXX XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX, there is an unauthorized inquiry for an auto loan from XXXX XXXX XXXXXXXX original creditor is XXXX XXXX XXXX. Multiple attempts for removal have been made. As of XX/XX/XXXX an unauthorized inquiry was made for an auto loan from XXXX XXXX XXXX original creditor is XXXX XXXX XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX there is an unauthorized inquiry made for an auto loan from XXXX. Multiple attempts for removal have been made. As of XX/XX/XXXX there is an unauthorized inquiry for an auto loan from XXXX XXXX XXXX. Multiple attempts have been made for removal.

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 2022-04-27 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: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # 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 purpose. 
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 2022-04-27 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: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # 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 purpose. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: GA

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

15 U.S.C 1681 section 604 A States that a consumer reporting agency CAN NOT furnish an 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 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX 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

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 2022-04-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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 2022-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I took out a private student loan from XXXX back in XXXX I was young and was advised by my then University to apply for a student private loan as I would not have to repay it back until I graduated. I was so unaware of what a variable interest rate was and regret every taking out this loan. The original amount of the loan was XXXX. I believe my first payment was in XXXX of XXXX. I've paid a total of XXXX dollars since XXXX I came to understand this recently while working with a financial advisor as we wanted to invest in our kid 's future. My brain was so locked and this payment just became part of my life and I never questioned it till now. I NEVER once was told what a variable interest rate was at that age. This interest rate has fluctuated within the years that I've paid the loan once already and will continue to pay this loan till XXXX! I've called NAViENT who is currently servicing the loan and explained my concerns. I've spoken to supervisors and as soon as I mention this predatory loan they either hang up or tell me I knew what I was signing for when I got this loan out. This is the only thing I regret in my life if you ask me. It's haunting us till now. This was a predatory loan advised by my school to get, and granted to me by people who knew what they were doing. I really hope someone could help me out!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: NY

Complaint narrative:
The lack of support during the tedious process I have felt extremely violated and compromised and as well as devalued as a consumer the following inquiries XX/XX/XXXX capital one, XX/XX/XXXX XXXX XXXX XX/XX/XXXX capital one XX/XX/XXXX unknow creditor inquiry XX/XX/XXXX capital one XXXX XX/XX/XXXX all the following inquiring reports was made without proper permission on my behalf

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
A tax payment was taken out of escrow in XX/XX/ 2022 when it was not supposed to as this payment came from the title company after closing. The city continues to report they never received the payment. No one at New Rez can tell us if this payment was received and/or cashed. We have made multiple requests to New Rez to resolve the issue and no further information can be given to us other than they are working on it. We have contacted the city on multiple occasions and they report no payment was received and no one from New Rez has contacted them about trying to resolve the issue. It is impossible to speak to anyone in the tax department at New Rez and customer service is unable to give us any information regarding what steps are being taken to resolve the issue. We are getting concerned and really need the money back in our escrow. Any help would be appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27 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: AZ

Complaint narrative:
I DID NOT AUTHORIZE THIS INQUIRY AND NEEDS TO BE REMOVED FROM MY ACCOUNTS. 

XXXX XXXXXXXX XX/XX/22

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 2022-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On the daily Im getting collection calls for debt I did not accrue. For the past 16 years Ive been dealing with identity theft since my purse was stolen with my social security card and drivers license with all my credit cards. The credit cards at least got cancelled but my social has been used by others since. Most recently even for work in a different state that I dont live in. I even had my bank account levied to pay that state tax that they didnt pay.

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 2022-04-27 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: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
chexsystem is incorrectly reporting a XXXX XXXX that I owe XXXX XXXX {$840.00} and that this account was closed and reported on XX/XX/2019. 
This account has been PAID of and there is no money owed to XXXX XXXX..this needs to be corrected immediatley.

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 2022-04-27 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: TX

Complaint narrative:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX  : XXXX -- -> : {$500.00} XXXX XXXX XXXX XXXX -- -> : {$4200.00} XXXX XXXX  : XXXX -- XXXX : {$680.00}

Company response to consumer: Closed with explanation