vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-06 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: TX

Complaint narrative:
U.S. DEPARTMENT OF EDUCATION ( XXXX ) U.S. DEPARTMENT OF EDUCATION ( XXXX ) Hello, I have two federal students with XXXX XXXX. The account numbers are listed above. I had submitted a 6-month deferment request for XXXX XXXX- XX/XX/XXXX to temporarily postpone payments due to financial difficulties. For some reason, during this time, my credit reports reflect late payments instead of the deferment status. I have tried to correct this via credit bureau dispute process but have been unsuccessful and need your help. I work hard and have even made payments during the pandemic while payments were on hold to help pay down balance. The credit bureaus have not been helpful. XXXX XXXX has not updated my account and I need further guidance as this is becoming a hinderance for me. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: DISCOVER BANK
State: NY

Complaint narrative:
I was notified by this company that a credit card was opened in my name, and was being mailed to a different address. I asked them to stop the card and close the account, because that was done fraudulent. I also asked that the inquiry be removed from my account. I was told that it could not be. Which is wrong accounting to the credit laws on fraud. I mailed them a letter that was returned. ( Photo enclosed ) I am requesting that this company remove the inquiry asap from my credit report, and send me a letter stating that everything was closed and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One opened an account using my name, address, and bogus ssn number. I became aware of this id theft when I received a debit card in the mail which I did not apply for - date XX/XX/2022. I immediately called the number on the debit card and was sent to XXXX in fraud who said he would close the debit card immediately. I requested a letter and received a confirmation letter dated XX/XX/2022. 

I also received a statement on XX/XX/2022 for the account and found out a checking and savings account had also been opened and the checking account had a balance of {$220.00}. I called again and talked to XXXX in fraud who said the account would be closed. I requested a letter when the accounts were closed. The statement had online XXXX transactions in and out of the account to a XXXX XXXX XXXX XXXX from apparently individual names. I was told the accounts would be closed. 

I received statements on XX/XX/2022 and XX/XX/2022 for the same accounts. I called the bank on both dates. Again, I was told the accounts would be closed, but on XX/XX/2022 XXXX told me they were investigating and had to get the money back to the correct person. 

Number one : The bank is violation of the privacy act and patriot act when they opened an account with a SSN number which did not match the name and address. I know they did not have my SSN because I gave them the last 4 digits of my number and was told it did not match the account SSN. They said they could not give me any information because it did not match. It's funny I get the statements and it is my address and name the account is listed in and they can not give me information. I have contacted the local police department, but unless I have a person to go after, they can not help. 

As a last resort, I went on their social media page - XXXX - on Tuesday, XX/XX/2022 and laid it all out for the public to see. I received a notice to XXXX  them and they would help. On Wednesday, XX/XX/XXXX at XXXX XXXX  I received a message they were working on it. 

I have tried for 3 and 1/2 months to close this fraudulent account. As far as I know it is still open and the bank is 'trying ' to find the correct person to send the money to. I want the account closed and all record of my name and address wiped from Capital One 's data base. A bank that can open accounts without proper ID should be censored and fined. Their regulating authorities should review their procedures and take action against them. I am frustrated and angry. I put freezes on all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I'VE COME TO REALIZE THAT EQUIFAX IS REPORTING THE INCORRECT SOCIAL SECURITY NUMBER ON MY CONSUMER REPORT!!!!!!! I OBTAINED A FULL CONSUMER REPOR FROM ANNUALCREDITREPORT.COM AND DID NOT RECOGNIZED ANY ADDRESS! THE LAST 4 OF THE SOCIAL THAT IT SHOWS IS XXXX! I SENT MY PROOF OF IDENTITY TO EQUIFAX AND THEY REFUSED TO DELETE EVERYTHING AS I DEMANDED. EQUIFAX IS VIOLATING MY RIGHTS AS A CONSUMER! PER 15 USC 1681 ( A ) 3- CONSUMER REPORTING AGENCIES ASSUMED A ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMER. PER 15 USC 1681 ( A ) 4- THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITES WITH FAIRNESS, IMPARTIALITY, AND A RESPECT FOR THE CONSUMER 'S PRIVACY!! EQUIFAX IS VERY MUCH SO INVADING MY PRIVACY ESPECIALLY BECAUSE I DID NOT EVER PROVIDE EQUIFAX WRITTEN INSTRUCTIONS TO FURNISH ANYTHING ON MY REPORT ON MY BEHALF! THAT IS PER 15USC1681B ( A ) 2!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have received phone calls and correspondence from a collections company XXXX XXXX XXXX XXXX ) attempting to collect funds for an account associated with one of my emails. I never created or opened an account with the source company ( PayPal ) with that email and have confirmed that with PayPal. I have submitted a fraud affidavit and am taking needful alert steps on my credit report. It's a small amount. This entire situation doesn't seem to make sense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06 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: IL

Complaint narrative:
The Credit Bureaus never did a proper investigation according to the FCRA. 

Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
That did not happen. 

Also, they violated the law because according to 15 USC 1681A ( 4 ) They did not respect my right to privacy. 

15 USC 1681B ( 2 ) I didnt instruct them to furnish this report or to create this report and I never consented to this report in the first place.

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 2022-08-06 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: SC

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  Account XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, DEPT OF ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I originally got Avio Credit in XXXX of XXXX and had the account for a few months before I fell on hard times.The account never shows any of my on time payments. The account then started to show late payments which I understand, but they have consistently reported late payments throughout all of XXXX, XXXX,. XXXX, and XXXX of 120 days late. I have tried disputing the information as inaccurate on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but to no avail. The item should have been written off as a charge off from what I read online. But I read on a credit forum that they are doing this to keep the account active and get around the stature of limitiations and also the 7 year rule for Credit items. This is highly illegal which violates the FCRA and FDCPA on a state level and federal level but keeping the item active. When I log into my XXXX  report it does not even state the date the item will fall off because of what they are doing. They are purposely keeping my credit low with late payments and dragging it out to keep my scores low.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: IN

Complaint narrative:
In regards to the recent news that Equifax miscalculated my credit scores. I begin researching federal law regarding my rights as a consumer. In my research I saw that in USC 15 Title 94 Chapter XXXX that Equifax is a financial institution by association. They sold my consumer information to other financial institutions that I applied for consumer credit transactions. These financial institutions used this information to make a decision if they would allow me to open an account with them. Equifax also issued a credit score and released this information to the financial institutions that I applied for accounts with. This is fraud as this is not there place as I never gave them permission to do so. In 15 USC 6801 ( a ) Congress makes it clear that each financial institution has the obligation to protect the security and confidentiality of my nonpublic personal information. 15 USC 1681A ( XXXX ) ( XXXX ) says that Congress makes it clear that Equifax assumed this role which I never asked for them to do. Equifax has a grave responsibility to exercise fairness, impartiality, and respect for my right to privacy. Equifax has and continues to violate my rights as a consumer as their consumer reports have damaged my character and reputation when trying to apply for consumer credit transactions with various financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
All deteails where describes in certified letters attached below, they did not follow the request i asked For

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 2022-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received a debit card from Bank of America for which I never applied. I destroyed the card. Later in XXXX of 2022, I received a letter from Bank of America informing me that two applications for a XXXX XXXX had been received and one of them was processed while the other was cancelled. 

In XXXX of 2022 I received another letter from Bank of America informing me that I owed {$77.00} on a charge card for which I never applied. As a result, I sent letter to Bank of America informing them that I had no accounts with them. They then responded with phone call during which I spoke with the Debit Fraud Dept and then was transferred to the Check Fraud Dept. I was informed to contact Social Security and spoke with a gentleman who informed me to speak with the police, the FTC and the Internet Crime Complaint website. I am on your site after getting transferred from the FTC site.

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 2022-08-06 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: PA

Complaint narrative:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX. Regarding alleged account # XXXX, XXXX and 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 an 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. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.

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 2022-08-06 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: PA

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

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 2022-08-06 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: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I originally got XXXX XXXX in XXXX of XXXX and had the account for a few months before I fell on hard times.The account never shows any of my on time payments. The account then started to show late payments which I understand, but they have consistently reported late payments throughout all of XXXX, XXXX,. XXXX, and XXXX of 120 days late. I have tried disputing the information as inaccurate on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but to no avail. The item should have been written off as a charge off from what I read online. But I read on a credit forum that they are doing this to keep the account active and get around the stature of limitiations and also the 7 year rule for Credit items. This is highly illegal which violates the FCRA and FDCPA on a state level and federal level but keeping the item active. When I log into my XXXX report it does not even state the date the item will fall off because of what they are doing. They are purposely keeping my credit low with late payments and dragging it out to keep my scores low.

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 2022-08-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I originally got XXXX XXXX  in XXXX of XXXX and had the account for a few months before I fell on hard times.The account never shows any of my on time payments. The account then started to show late payments which I understand, but they have consistently reported late payments throughout all of XXXX, XXXX,. XXXX, and XXXX of 120 days late. I have tried disputing the information as inaccurate on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but to no avail. The item should have been written off as a charge off from what I read online. But I read on a credit forum that they are doing this to keep the account active and get around the stature of limitiations and also the 7 year rule for Credit items. This is highly illegal which violates the FCRA and FDCPA on a state level and federal level but keeping the item active. When I log into my XXXX report it does not even state the date the item will fall off because of what they are doing. They are purposely keeping my credit low with late payments and dragging it out to keep my scores low.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I originally got XXXX XXXX in XXXX of XXXX and had the account for a few months before I fell on hard times.The account never shows any of my on time payments. The account then started to show late payments which I understand, but they have consistently reported late payments throughout all of XXXX, XXXX,. XXXX, and XXXX of 120 days late. I have tried disputing the information as inaccurate on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but to no avail. The item should have been written off as a charge off from what I read online. But I read on a credit forum that they are doing this to keep the account active and get around the stature of limitiations and also the 7 year rule for Credit items. This is highly illegal which violates the FCRA and FDCPA on a state level and federal level but keeping the item active. When I log into my experian report it does not even state the date the item will fall off because of what they are doing. They are purposely keeping my credit low with late payments and dragging it out to keep my scores low.

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 2022-08-06 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: Bread Financial Holdings, Inc.
State: MD

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 Section604 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 pan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: TX

Complaint narrative:
Hello, All three credit bureaus show late payments more than 30 days on my account from XXXX - XXXX of XXXX. While my payments were later than the first of the month they were not more than 30 days. I have contacted XXXX to correct this but the credit bureaus are still reporting inaccurate information. 

I would like guidance on getting this situation rectified as it is becoming a hinderance. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief