vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to verify my identity. 

I recently applied for a loan and was denied. I checked my credit report and noticed some accounts that are fraudulently on my credit report without my consent or authorization. 

These debt collectors are claiming that I owe them and are reporting negative information which is damaging my credit worthiness. They have not validated the debt to show any contract between them and I, to justify their claims that I owe them, and when I contacted them, they sent me frivolous automated responses that did not address my concern. 

Also, the credit bureaus are not conducting a reasonable investigation and are allowing the reporting of this fraudulent information 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 XXXX XXXX XXXX XXXX XXXX XXXX  )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to verify my identity. 

I recently applied for a loan and was denied. I checked my credit report and noticed some accounts that are fraudulently on my credit report without my consent or authorization. 

These debt collectors are claiming that I owe them and are reporting negative information which is damaging my credit worthiness. They have not validated the debt to show any contract between them and I, to justify their claims that I owe them, and when I contacted them, they sent me frivolous automated responses that did not address my concern. 

Also, the credit bureaus are not conducting a reasonable investigation and are allowing the reporting of this fraudulent information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc.
State: FL

Complaint narrative:
In XXXX, received a letter stating they were trying to collect a debit from me from a previous landlord who had taken us to court. Judge Dismissed the case, no money was owed. I responded back to collector two days after notice and requested validation of debit and included a copy of the court dismissal. Never heard from the collector. 

XXXX, I reached out to collector for the information and informed them of the court dismissal & asked for them to validate collection. I emailed the court documents to email given by the rep. No response since then.

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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hello, I wrote two letters for these companies XXXX Experian XXXX XXXX ) On two different dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX for " XXXX ''. I requested to remove the error on my credit report. There were several addresses and phone numbers on my account have nothing to do with me. I requested this be investigated and that these numbers or addresses could be caused by fraud or someone opening bad accounts in my name or something I don't know but have been asking for this and have no results only " XXXX '' complied with my request.

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 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- UPDATE TO CLAIM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION HAS NOW TAKEN OVER 60 DAYS TO RESPOND TO MY CLAIM AND HAS NOT DELETED DEMANDED ACCOUNTS REQUESTED UNDER 15 USC 1681a ( 2 ) ( I ) -EXCLUSIONS-. TRANSUNION IS VIOLATION UNDER THE FCRA 15 USC 1681i and 15 USC 1681a ( 2 ) ( i ). TRANSUNION IS REPORTING CHARGED OFF DEBT ON MY CONSUMER ACCOUNT WICH IS DEFINED AS INCOME BY THE I.R.S IS NOW IN VIOLATION UNDER THE FTC DEFINITION OF DEBT PARKING AND I.R.S DEFINITION OF CHARGED OFF INCOME REPORTING INCOME ON MY CONSUMER REPORT. TRANSUNION HAS NOT FILED A FORM! 099C NOR HAS SENT TO ME A 1099C FOR REPORTING CHARGED OFF DEBT AS INCOME AS WELL NOT FILING PROPER TAX FORMS FOR IT. IF THESE ACCOUNTS ARE NOT REMOVED IMMIDIATELY I WILL BE FORCED TO FILE A I.R.S 3949a FORM AND A I.R.S 211 FORM AGAINST TRANSUNION AND ESCALTE MATTERS

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: TN

Complaint narrative:
In XXXX XXXX XXXX  I signed off on a lease through US Auto Sales in XXXX XXXX 
My original contract was set up for 3x the amount the car was worth. Its a XXXX XXXX XXXX the car is only worth XXXXXXXX XXXX  at most. At the initial contract signing I tried to negotiate with us auto and put quite a large sum down for the car itself. My loan is over XXXX for a XXXX vehicle. I pay over XXXX XXXX every two weeks. Westlake portfolio management took over my contract and they wont even let me see what all was changed. The contract was switched without any notice and I didnt sign anything to have it transferred. tried to switch to monthly payments and they wont help me with this either. Not only is this a huge scam, its downright awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX ( Incorrect account please validate ) And delete XXXX XXXX  late payment XXXX XXXX XXXX XXXX ( Incorrectly reported please delete ) XXXX  XXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from XXXX XXXX  remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( XXXX XXXX ) Please remove from all other credit reporting XXXX XXXX account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. 

XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XXXX XXXX  ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete XXXX XXXX XXXX Consumer has agreement with XXXX XXXX XXXX  To extend the payment due date XXXX XXXX XXXX XXXX XXXX late payment is invalid please correct.

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: WI

Complaint narrative:
I was notified by XXXX that my credit score dropped, that a debt collector was trying to collect {$430.00} from an energy company in XXXX, TX, in XX/XX/XXXX. This was the result of fraud. Someone has my social security number, address and other information and opened an account and didn't pay the bill. The fraud occurred roughly a year earlier in XXXX. I have never lived in Texas and have never opened an account with XXXX XXXX or authorized anyone to do so. 
I contacted XXXX XXXX to explain and they asked me to file a police report and send them the reference number. XXXX XXXX has this information. I have not heard anything from XXXX XXXX or XXXX since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
In XXXX of 2023 I applied for an Amex Delta SkyMiles Reserve Card due to a sign up bonus offer received. I was told that after spending {$5000.00} which I did I would be awarded XXXX Bonus Miles and XXXX XXXX XXXX. However, I only received XXXX bonus miles. After numerous phone callas to Amex and being told the situation would be investigated nothing was ever resolved. I also sent 2 complaint letters and filed a complaint with the XXXX XXXX XXXX and Amex still refuses to honor the agreement. I believe they are engaging in deceptive or misleading practices as well as False Advertising. I have the written offer and although I referenced this fact, they still are unwilling to honor the Bonus Offer made to me when I applied for this card. I am asking that they credit my account with the additional XXXX Bonus miles or pay/provide a credit of the equivalent dollar amount value for XXXX Bonus Miles which are calculated at XXXX cents per mile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
XXXX when you buy on line holds the pre-authorization for 10 days. So they usually put the purchase through the next day and take the money out of your account but also keep the pre-authorization hold which also takes the money out of your account wrongfully after they have been paid. 
XX/XX/XXXX {$100.00} pre authorization, got paid next day {$100.00}, but kept pre-authorization hold on account taking another {$100.00} for day days XXXX XXXX XX/XX/XXXX spent {$900.00} at XXXX and they took pre-authorization. Next day they ran purchase and took the money out of the account on the XXXX, small amount and XX/XX/XXXX {$850.00}. After being paid in full XX/XX/XXXX they still kept the pre-authorization hold on my checking account deducting a second {$850.00} from my checking account until XX/XX/XXXX. 
I bank at South State in XXXX Florida and the bank said they could not take the hold off, XXXX has to. I called XXXX XXXX XXXX and they said the bank puts it there. My bank told me not to use the bank debit card at XXXX cause they are double dipping. When you call XXXX and ask them how long they keep a preauthorization hold on your debit card they say 7 days. In my case its been 10 days. 
The same thing happens to my friend XXXX XXXX when he shops on line at XXXX and he banks at XXXX  XXXX. Plus my friend XXXX XXXX when she shops online at XXXX they hold her preauthorization for 10 days after they have been paid and she banks at XXXX. The complaint is that XXXX holds the pre-authorizations for 10 days after they have been paid when the preauthorization is nolonger valid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that weren't open by me, this has been hurting me as I am buying a home for my family. Please remove these accounts off of my report immediately.

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 2023-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX XXXX canceled charge {$150.00} refunded money. Credit card company Sent me letter resolved in my favor. But they will not credit my account called 27 times all said it was being fixed. 2 statements no credit.

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 monetary relief
Consumer complaint received 2023-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Veros Credit, LLC
State: CO

Complaint narrative:
First the vehicle was unlawfully repossessed because of the repossessors broke into a garage in order to do their job secondly the vehicle was auctioned at what appears to be about {$2000.00} to cover an {$18000.00} debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Automobile Insurance Company is attempting to price gouge consumers over privately owned property- Individual is not a " high risk driver ''

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