vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-09 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: MS

Complaint narrative:
According with the Fair Credit Report Act XXXX  acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX  acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX acct XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX acct XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states 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 2022-10-09 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-09 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: OneMain Finance Corporation
State: FL

Complaint narrative:
XXXX 2 years ago OneMain did a hard pull on my credit and it is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-09 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: KEYCORP
State: WA

Complaint narrative:
I have been scammed by a fake cryptocurrency platform, I have invested to that fake platform, when I wanted to withdraw my money it made excuses and blocked me from that platform, I started researching a bout that platform, I found out that it was fake and I got scammed, I contacted the bank, send emails, calls, I didn't receive respond from bank through email and I received negative responded by calling the costumer service. please see the attach file for more information regarding my complain and my story.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: Kikoff Inc.
State: FL

Complaint narrative:
In XXXX of 2022 I began receiving billing statements via email to my non business email address from a company called Kikoff. I researched and found out they are a credit boosting company and they claimed I owed them a balance of {$10.00}. I believed this to be an error but the service looked interesting and so I tried to contact them to get customer service or resolve the outstanding bill. On trying to contact them I found that it is impossible to do so as they have no customer service number. I considered that i may have auto-filled information and may have forgotten and perhaps that is how they obtained my information. I tried to log into an account they said I opened but I could not as no password I would ever use worked. I became more suspicious and I emailed the company explaining my situation. Eventually they emailed back and XXXX flagged the response as a suspicious email. At this point it became evident to me that I was dealing with a fraudulent and possibly fictitious company. I disregarded the emails as spam that was fishing for my personal information. Every month after I kept receiving an email bill of {$10.00} per month. Eventually XXXX credit monitoring contacted me and reported that kikoff flagged my credit and that is when I realized that they had access to my personal information including my social. Those had an extremely negative affect on my credit, dropping my score over 100 points for a {$30.00} balance. I wrote the company again threatening legal action and I've received nothing but patronizing responses from their " support '' team. I disputed the claim through XXXX and my dispute was refused. I am extremely frustrated and my life has come to a halt as the timing of this situation is just as I was intended to leverage my credit for a large purchase. Please advise. Thank you. 

I have currently filed a police report in XXXX XXXX, Florida case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX I received a notice from XXXX XXXX XXXX leasing office in XXXX, TN that I owed {$1800.00} in back rent. I immediately called the leasing office to ask how is it that I owe back rent when I have paid my rent on time and full for the past three years. The person who answered the phone hung up on me. On XX/XX/XXXX I was delivered a Detainer Warrant to appear in court on XX/XX/XXXX, at XXXX : am in General Sessions court. I continued to pay rent. I paid XXXX rent on time. 
I went to court on XX/XX/XXXX at XXXXXXXX XXXX. and waited for docket # XXXX to be called. That docket number was never called and I didnt see anyone from XXXX XXXX XXXX I recognized. The docket # was never called, but instead rescheduled for XX/XX/XXXX at XXXXXXXX XXXX I called the General Sessions Court and spoke with court clerk and she told me that the case was a continuance and rescheduled for XX/XX/XXXX at XXXX XXXX  I went to court and my case still wasnt heard. 
I went to the leasing office XX/XX/XXXX, to pay rent and the office manager told they were no longer taking rent from me. She didnt tell why. I told her I had already paid XXXX rent. She told me that she knew and it was in their attorneys office. The case wasnt being heard and I contacted XXXX XXXX office via email and let them know I would be moving out in XXXX. I had been to court many times and my case hadnt been heard. In XXXX In went to General Sessions Court and received a print out of a document that a writ had filed on XX/XX/XXXX for eviction. The document had the initials XXXX, the wasnt me initial of my first but my daughters first name, but she didnt live in Tennessee or has never been to Tennessee XXXX I never mentioned my daughter to the leasing office or anyone else in the building. 
Before moving I made every attempt to share the documents I had with the leasing office and corporate office located in XXXX, TN to show that my rent was paid on time every month and in full. They never bothered to respond. 
Before moving out on XX/XX/XXXX I made sure was clean and livable. I handed in the apartment key to the office manager, the key fob, and mailbox key. I offered to pay for the months from XXXX to XXXX which would have been {$3000.00} with a down payment of {$860.00} with a notarized statement. They refused. There was a court date scheduled for XX/XX/XXXX and I returned to XXXX hoping this case would be finally resolved. This was my 10th court appearance. A collection agency in XXXX, Georgia National Credit Systems case # XXXX has a reported amount of {$4900.00} from XXXX XXXX XXXX XXXX. 
I been to court a total of 10 times. 
XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: MS

Complaint narrative:
According with the Fair Credit Report Act XXXX acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions.

According with the Fair Credit Report Act XXXX acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX acct XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX acct XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states 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 non-monetary relief
Consumer complaint received 2022-10-09 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:
According with the Fair Credit Report Act XXXX acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX  acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX acct XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX acct XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-09 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Bankruptcy Court # XXXX, XXXX 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

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 2022-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I received multiple emails and text messages claiming I was pre approved only to spend 10 minutes filling out information onlyfo to have credit card company run another credit inquiry and negatively affect it more each time. I'm being turned down for a lack of credit history how does someone get credit If he is 100 % of the time denied because I never borrowed from lenders? I make XXXX. Year and am debt free but someone who pays off one debt with another gets approved. What a XXXX system

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I paid off my Capital One auto loan for my XXXX XXXX XXXX XXXX in XXXX of XXXX and never received the title. 

Capital One advised me it could take up to 21 days to receive the title. I gave them WELL over that amount of time to release the lien and provide me with the title. 

I reached out to their customer service in XXXX of XXXX, and was told that Capital One sent electronic notice to the VA DMV to release the lien, but the VA DMV replied saying that the title number did not exist. Apparently no one at Capital One bothered to follow up on that reply, or even notify me about it. I then went back and forth with their off-shore contracted customer service well into XXXX of XXXX, receiving no resolution or information. 

Capital One then eventually sent me a notarized PAPER lien release letter out of the state of Texas. The major issue with that? Capital One participates in the ELECTRONIC Lien program, requiring them to electronically correspond lien information with the DMV, which means that the paper lien release letter they mailed to me is completely useless. The VA DMV also rejected the lien release letter when I tried to submit it to obtain a title. 

According to Virginia Code 46.2-643 : It shall constitute a Class 3 misdemeanor for a secured party who holds a certificate of title as provided in this title to refuse or fail to mark satisfied and surrender it to the person legally entitled thereto within ten days after his security interest is satisfied. 

In conclusion, not only is Capital One failing to abide to the process of a state-mandated program that they are required to participate in, they are also blatantly in violation of Virginia Code .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: TX

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2022-10-09 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: LA

Complaint narrative:
Equifax/Equifax credit bureau/Equifax information services Llc . Says they do not have a credit file that matches my information ; however, Equifax/Equifax credit bureau/Equifax information services Llc has already deleted some accounts, in which I wrote them about, on a file they claim they can not locate. Equifax/Equifax credit bureau/Equifax information services Llc keeps sending me pre written letters ( frivolous ) and not abiding by the law and delete accounts b/c their failure to comply with the investigation allotment of time. Attached are accounts they deleted/removed from my file already from a CFPB reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: MI

Complaint narrative:
On XX/XX/2022, I made a complaint ( XXXX ) to Transunion about an amount that XXXX has listed on my credit report. Along with this complaint I sent documentation clearly showing that XXXX has knowingly and willingly placed information on my report that they have not and can not verify with full accuracy. Transunion acknowledged my complaint and claimed to have updated my report as a consequence. After looking at my report, I saw no changes and that the charges remained. 

On XX/XX/2022, I submitted a CFPB complaint against Transunion ( XXXX ) for allowing questionable information to appear on my credit report. Transunion again responded that my XXXX account was updated. Again, I saw no changes. 
In my estimation, Transunion is systematically sending false or misleading statements to the CFPB and is in violation of 18 U.S.C. 1001. The questionable information is still on my report, and XXXX is now reporting this debt as late.

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