vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-06 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: CT

Complaint narrative:
I have an account on my credit report that does not belong to me. My information was obtained under false pretenses.That is fraud. There is also a name and address that needs to be removed and there are unauthorized inquiries as well. I reached out to the company and I've been waiting for a response. Also there was an alert on my credit report that said on XX/XX/XXXX I opened up an account with XXXX XXXX XXXX, I opened no such account, this is fraud. I contacted the bank and they said someone in Michigan opened up a business account with my social. I made a complaint online and will be going to the bank tomorrow to make a formal complaint. These fraudulent accounts and inquiries have affected my credit report in a negative way and my credit score has been affected in a negative way as well. These accounts do not belong to me and the information they have provided has not been properly verified. This is fraud as well. If they respond saying that these accounts were verified. I would like to know how they verified these accounts. How my information was obtained. I would also like to know the name of the person who verified the information along with the the company who furnished the information to the credit bureau and legal action will be taken at that point. This is my second complaint and attempt to rectify the situation and nothing has been done. I made a complaint and that complaint was sent to the creditor and they took my address off of the complaint and updated it in their file. They were allowed to steal my address and update their information because they never had it. I have no lien against me nor have I been to court or had a judgement placed against me for any reason, so this harassment and this falsely verified account is illegal.

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 2022-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This complaint involves XXXX, XXXX XXXXXXXX, and Capital One. 

I have held an XXXX credit card for several years, and historically it was associated with an account at XXXX XXXX. I had automatic payments set for that account and never had a late payment. 

In 2022 XXXX switched providers to Capital One. I do not recall receiving any notice of this change, and the first I heard of it was when I received an alert that my credit score had dropped by nearly XXXX points. This change was made before I received a new credit card showing any kind of Capital One logo, and the automatic payments that I had set up at XXXX XXXX did not transfer to Capital One. 

I brought the account up to current in early XXXX immediately after learning about the issue, and in XXXX I mailed a letter to Capital One describing the issue and requesting to have the late payments removed from my credit history. Capital One responded on XX/XX/XXXX that they were unable to do so. 

I am requesting to have the late payments removed from my credit history. The change between credit providers was made without any input on my part, and had it not taken place my automatic payments would have prevented the issue from occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: AL

Complaint narrative:
I have asked the credit bureaus to do a thorough investigation of accounts on my credit report that have been reported inaccurately. I have not received any verification or the information that I ask for in which would allow them to provide and report the information they have listed. 

They sent correspondence back saying that those accounts have been verified. How were they accounts verified and the information is still being reported inaccurately. The accounts that have been continuously being reported inaccurately are listed below : XXXX XXXX XXXX  # XXXX - Reporting Incorrectly In accordance to the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 I read that it also 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 non-monetary relief
Consumer complaint received 2022-11-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2022, my husband and I contacted Chase ( we spoke to XXXX  ) to let them know fraudulent charges were made on our savings account ( {$7800.00} in total out of 26 different charges that were reflected as ATM charges, plus three {$5.00} overage fees ) as well as one ATM charge out of our checking account in the amount of {$200.00}. These charges were made from Thursday, XX/XX/2022 to Tuesday, XX/XX/2022. We were told that Chase would investigate and respond back to us in 3-5 business days. 

On XX/XX/2022, we received an electronic letter from Chase saying that our claim was denied. We called Chase back on this day to get more information ( we spoke to XXXX  ) and were told to fax in documentation that would support our claim that fraudulent charges were made on our account ( please see file entitled " Chase Claim '' ). We were told that the back office would look at the documentation and would then contact us within 3-5 business days. 

On XX/XX/2022, I called to get an update and spoke with XXXX. She told me that Chase has received our supporting documents, but was still doing research and had not made a decision. 

On XX/XX/2022, my husband and I called Chase again and spoke to XXXX, who said that Chase was still completing their investigation. He affirmed that the back office did receive our supporting documentation on XX/XX/2022. 

On XX/XX/XXXX, my husband and I called Chase again and spoke to XXXX, who then transferred us to someone whose name we did not get. This Chase representative told us that the claim had been denied as of XX/XX/XXXX. We told him that we did not understand as we had sent in additional supporting documentation, so he reached out to a supervisor to read over our claim. He reported back that Chase had concluded that my husband had actually used his XXXX XXXX to make the withdrawals. We told him that that could not be the case as he had never even added our debit card to his XXXX XXXX. The representative told us to fax in additional documentation which showed my husband 's XXXX XXXX ( see file " XXXX XXXX fax letter '' ). This was the first time we heard any sort of explanation from Chase and have never been contacted by them to get additional information. 

We still have not heard anything back as of today, XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear reader, I am reporting a complaint and potentially I may even file a law suit against XXXX, XXXX, and Equifax. After looking over my reports I have discovered some things that are beyond belief and disturbing, the amount of inaccuracies that are on my report are unbelievable. I would like to start off with the addresses : Current Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Other XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX As you can see these XXXX are not mine and are fraudulent. My home address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and on that report which I will be providing for you all it reads that my current address is XXXX XXXX XXXX. Incorrect I have disputed with this company and to find out that all this is on my report is beyond frightening. I also filed a identity theft report as well. I also saw over XXXX phone numbers all of which are not mine and these numbers are : Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Not to mention the amount of fraudulent collection accounts, hard inquiries, and soft inquires. The collection accounts are as follows : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you can also see I haven't checked my report in XXXX and to find this I wonder what else is illegally being reported on my credit reports from the other agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear reader, I am reporting a complaint and potentially I may even file a law suit against Experian, XXXX, and XXXX. After looking over my reports I have discovered some things that are beyond belief and disturbing, the amount of inaccuracies that are on my report are unbelievable. I would like to start off with the addresses : Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Other XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX As you can see these XXXX are not mine and are fraudulent. My home address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and on that report which I will be providing for you all it reads that my current address is XXXX XXXX XXXX. Incorrect I have disputed with this company and to find out that all this is on my report is beyond frightening. I also filed a identity theft report as well. I also saw over XXXX phone numbers all of which are not mine and these numbers are : Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Not to mention the amount of fraudulent collection accounts, hard inquiries, and soft inquires. The collection accounts are as follows : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX As you can also see I haven't checked my report in XXXX and to find this I wonder what else is illegally being reported on my credit reports from the other agencies.

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 2022-11-06 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: LA

Complaint narrative:
The credit reporting agencies have refused to comply with laws set forth by the FCRA. The agencies are not doing a complete investigation into the obvious problems in question disputed by me the consumer. They willfully continue to furnish incorrect student loan information reported by XXXX on my credit report. Such false information being furnished has caused me to lose out on countless opportunities to advance myself and my children to the next level. The agencies are furnishing transactions and experiences that the credit agencies never got my written approval to furnish. XXXX has been reporting my account incorrectly as open and it has been closed and transferred to a new servicer. They are also reporting experiences and transactions in the form of inaccurate late payments. Please delete this entire account from my credit file. I have never authorized credit agencies to furnish any of my personal transactions with XXXX. 

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instruction.15 U.S.C 1681 section 602 A. states I have the right to privacy. If the situation is not remedied I will be filing a lawsuit.

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 2022-11-06 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: Nelnet, Inc.
State: LA

Complaint narrative:
The credit reporting agencies have refused to comply with laws set forth by the FCRA. The agencies are not doing a complete investigation into the obvious problems in question disputed by me the consumer. They willfully continue to furnish incorrect student loan information reported by Nelnet on my credit report. Such false information being furnished has caused me to lose out on countless opportunities to advance myself and my children to the next level. The agencies are furnishing transactions and experiences that the credit agencies never got my written approval to furnish. Nelnet has been reporting my account incorrectly as open and it has been closed and transferred to a new servicer. They are also reporting experiences and transactions in the form of inaccurate late payments. Please delete this entire account from my credit file. I have never authorized credit agencies to furnish any of my personal transactions with Nelnet.

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instruction.15 U.S.C 1681 section 602 A. states I have the right to privacy. If the situation is not remedied I will be filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: NC

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX Account. # XXXX XXXX XXXX Account. # XXXX XXXX XXXX XXXX Account # XXXXXXXX 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 2022-11-06 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/22 I requested that EQUIFAX complete an investigation in regards to a charge in the amount of {$3800.00} for XXXX XXXX on my credit report requesting that it be deleted. I provided a letter, pictures and emails about an apartment I had rented from XXXX XXXX that showed a severe rat infestation. EQUIFAX completed their investigation on XX/XX/22 and refuses to delete the incorrect information from my credit bureau. However I submitted the same request to XXXX they also investigated and removed the amount {$3800.00} from my credit bureau. I dont believe EQUIFAX investigated the issue at all. I am requesting since XXXX removed it that it also be removed from EQUIFAX. I have attached a copy of the completed XXXX investigation verifying that the XXXX XXXX collection has been deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06 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: CA

Complaint narrative:
On XX/XX/2022, Experian received my dispute for an inaccurate account reporting on my credit, The Company XXXX XXXX is reporting on my profile, and I have no knowledge of this account, I sent Experian a completed FTC report and a dispute letter that I have uploaded with this complaint asking for account verification that I never recieved. This will be my second attempt asking them to comply with the Fair Credit Reporting act section 609 ( a ) ( 1 ) ( A ) providing me with physical verification of the Original signed consumer contract, which they have failed to provide. I am demanding that Experian remove XXXX XXXX From my credit report ASAP due to them not responding within a reasonable amount of time. Also the other two credit bureaus reflect that this account is not mine due the fact XXXX and XXXX are not reporting this account whatsoever.

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 2022-11-06 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: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
RE : REFERENCE # XXXX In response to the Validation of Debt of Account # XXXX dated XXXX XXXX. 

Be advise that after a review of the documents that were sent it has been determined that Spring Oaks Capital LLC is in possession of my Non-Public Personal Information without my consent ( See Attached ). which violates ( 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ) Spring Oaks Capital LLC is a Non-Affiliated Third Party. 

Spring Oaks Capital is using false, deceptive, or misleading representation or means in connection with the collection of this alleged debt. ( 15 U.S. Code 1692e - False or misleading representations ) Spring Oaks Capital is using false representations and deceptive means to attempt to collect this alleged debt. ( 15 U.S. Code 1692e ( 10 ) ) which states " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' Spring Oaks Capital sent a copy Bill Of Sale with redacted information that document can not bee used as evidence of a debt. ( See Attached ) Furthermore, there is no competent evidence that I have a legal obligation of this alleged debt. Additionally, Spring Oaks Capital LLC has not provided the required documents to prove that Spring Oaks Capital has the LEGAL right to collect and furnish this alleged debt. 

In the Validation letter that was sent to Spring Oaks Capital LLC the response was missing answers and/or documents to prove this allegation. The following questions and or requested documents were not answered or provided per my Validation Request ( See Attached ) 1. ALL required disclosures pursuant to 12 CFR Part 1006.42 3. Signed agreement Debtor has made with SPRING OAKS CAPITAL LLC or other verifiable proof Debtor has a contractual obligation to pay SPRING OAKS CAPITAL LLC. Any agreement that bears the signature of Debtor, wherein agreed to pay SPRING OAKS CAPITAL LLC. 
7. Please provide the name and address of the bonding agent for SPRING OAKS CAPITAL LLC in case legal action becomes necessary : Authorized Signature of Creditor : ______________________ In my Validation letter you were put on notice that your Claim WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents pursuant to the Fair Debt Collection Act 12 CFR Part 1006.34 Your office has failed to properly respond to a validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report, and a copy of such deletion request shall be sent to me immediately. 

Regards, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation