vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-22 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: IN

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. Account Name : XXXX XXXX Account number : 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 non-monetary relief
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I received a letter from XXXX XXXX XXXX  dated XX/XX/2012 that my accounts are being closed based on information they obtained from a Consumer Report from XXXX XXXX XXXX XXXX. 

I disputed the matter with XXXX, however after their investigation, my acounts were closed. 

I disputed the matter with XXXX XXXX XXXX on XXXX XXXX and received their response regarding information they reported on their consumer report dated XX/XX/2012. 

I filed a police report with XXXX Police Department, in XXXX California, XXXX of Identity Theft, report number XXXX and with the Federal Trade Commision , FTC Ref . No. XXXX dated XX/XX/2012. 

I was receiving California State Unemployment benefits that were being deposited to my accounts here and with XXXX XXXX Bank, NA. 

I filed a complaint with CFPB against XXXX XXXX Bank, NA speratley.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a letter from XXXX XXXX XXXX dated XX/XX/2012 that my accounts are being closed based on information they obtained from a Consumer Report from XXXX XXXX XXXX XXXX. 

I disputed the matter with XXXX, however after their investigation, my acounts were closed. 

I disputed the matter with XXXX XXXX XXXX on XXXX XXXX and received their response regarding information they reported on their consumer report dated XX/XX/2012. 

I filed a police report with XXXX Police Department, in XXXX California, USA of Identity Theft, report number XXXX and with the Federal Trade Commision , FTC XXXX XXXX No. XXXX dated XX/XX/2012. 

I was receiving California State Unemployment benefits that were being deposited to my accounts here and with Wells Fargo Bank, NA. 

I filed a complaint with CFPB against Wells Fargo Bank, NA speratley.

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 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a letter from Bank XXXX XXXX dated XX/XX/2012 that my accounts are being closed based on information they obtained from a Consumer Report from XXXX XXXX XXXX XXXX. 

I disputed the matter with XXXX, however after their investigation, my acounts were closed. 

I disputed the matter with XXXX XXXX XXXX on XXXX XXXX and received their response regarding information they reported on their consumer report dated XX/XX/2012. 

I filed a police report with XXXX Police Department, in XXXX California, XXXX of Identity Theft, report number XXXX and with the Federal Trade XXXX XXXX FTC XXXX XXXX No. XXXX dated XX/XX/2012. 

I was receiving California State Unemployment benefits that were being deposited to my accounts here and with XXXX XXXX XXXX, XXXX. 

I filed a complaint with CFPB against XXXX XXXX XXXX, XXXX  speratley.

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 2023-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I received a letter stating to resolve a debt that is not mine or legal action would be taken against me. I've never seen the debt and I've never been late with the company in question. I received the letter from Radius Global Solutions LLC.

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 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, has violated my rights.

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

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have tried to contact CSC Credit Services. 

There are inaccurate numbers on the internet, as well as with the Better Business Bureau. There are also no email addresses that I could find for this company. 

I called four of the numbers listed for the company on XX/XX/2023 ; XXXX answered the phone for two of those numbers. The consumer service clerk then proceeded to tell me that she does not have any contact information for CSC Credit Services. 

I checked with a credible source online. 

According to this website, CSC Credit Services is a part of XXXX. Yet, I can not find a working number for the company. XXXX will not give me a working number for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Credit card or prepaid 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I returned some items never received my credit. I contact my bank and submit paper work still have not received my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The three bureaus are reporting an account that was under litigation and that was 100 % settled and a nonsuit with prejudice was filled with the court. Documents attached, still the credit bureaus are reporting as charge off with a balance of {$850.00}. We have contacted XXXX  and they requested me to complaint and dispute the accounts with the bureaus which we did but this did not work and I see the account reported. This is illegal and in case they don't take action and remove the account I will have to sue the three buraus. This is not Right!.

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 15 U.S.C, 1681section 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 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 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 non-monetary relief
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Formal Complaint Against Experian for Failure to Delete Unverified Debt Dear Consumer Financial Protection Bureau, I am reaching out to seek your intervention regarding a matter with Experian. In XX/XX/2023, I formally disputed a debt that is listed on my credit report due to its inaccuracy. After awaiting the necessary timeframe for a response, I found that Experian was unable to verify the accuracy of this debt.

Under Section 611 of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), when a debt 's accuracy is challenged by a consumer, the credit bureau must verify its accuracy. If they can not do so, they are obligated to remove this debt from the consumer 's credit report. However, despite their inability to verify the debt in question, Experian has not deleted this unverified entry from my report.

The presence of this unverified debt on my credit report has not only impacted my credit score but also poses potential challenges for my future financial endeavors. I have acted in good faith, adhering to the required procedures to dispute and seek verification for this debt. It is disheartening and concerning to see Experian 's non-compliance with established consumer protection laws. 

The Creditor Information is below... 
XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX  ON TAP. I do not have a contract with this XXXX XXXX XXXX, they did not provide me with the original contract as I requested. They cant provide it because there is non, this is a clear violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
I moved to XXXX in XX/XX/2023. While here, I am unable to access the website for my XXXX XXXX without using a VPN, even at times that doesnt work properly. 

I was unable to make a payment in XX/XX/2023 timely on my XXXX as I couldnt login to the account properly. Because of this, TD Bank reported 30 days late to my credit report. 

I have since paid off the account to prevent any further issues from their geoblocking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Good day In XX/XX/XXXX I applied for PMI deletion. 

Bank of America home loans sent a letter stating it would take ten days to hear from an agent after receiving a fee for a property valuation. ( See letter attached ) and a total processing time of 13 days. 

On XX/XX/XXXX Bank of America sent an email stating it would take XXXX days before I heard from an agents. See attachment On XX/XX/XXXX, the same day Bank of America stated it would take 10 days. Bank of America on the same day ( XX/XX/XXXX ) Bank of America sent a letter contradicting what the previous letter and email stated. 

See attached. Bank of America is now saying the processing time could take up to 21 days and to get a property evaluation it could take longer than ten days. 

At this point Bank of America is making up new rules as they go along. 

Adding and changing the rules is unfair to the consumer. 

The consumers need protection from these bad business practices

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 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
My Information Was Used Fraudulently. I Didnt Make These Inquiries 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA
XXXX  
NAVY FCU
Inquiry: XXXX XXXX XXXX  -
XXXX XXXX XXXX XXXX XXXX XXXX  
NAVY FCU
XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capitol One is not keeping up with their fax that I sent with my driver 's license and Social Security Card that was needed and sent them these documents twice that were required. I need to know what the delay is and hold up. 

First fax was sent on XX/XX/2023 XXXX fax was sent XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
So i have been javing difficulties paying the loan and they have tried to work with me for a couple months. It all arose from being fired and without work from a job paying me almost XXXX a week + extra income to {$0.00} a week for 2 months until XXXX when i got a job making about XXXX a week... still making that now... anyways i told them i dont have money to pay for anything i can barely live and they keep making the amount lower id have to pay ... .okay i still dont have money ... as the last 3 months have gone i get no less than 5 calls PER DAY 7 days a week. text messages from multiple different numbers and im sure if i checked emails ... this is minnd you is affter i answered calls about a month ago saying i have until XX/XX/XXXX to maek a payment... i said okay ill see hwat i can do ... .then the kept calling harrassing me trying to get payments then and there or trying to post date something hen i explicitly tell them on the calls i hav eno money i go paycheck to paycheck i barely hve {$30.00} a week for food by tthe time my paycheck hits. so again im at work i receie 4 phone calls alone last night XX/XX/XXXX after XXXX during work service. then received messages as well. in total 28 calls since XX/XX/XXXX from one of their phone numbers another phone number 28 during the month of XXXX and XXXX another number 38 times between XX/XX/XXXX XX/XX/XXXX, aother number 5 calls in XXXX phone numbers XXXX XX/XX/XXXX - XX/XX/XXXXXXXX times XXXX XX/XX/XXXX - XX/XX/XXXX times XXXX XX/XX/XXXX - XX/XX/XXXX XXXX am most recent 28 times so far this month 4 times XX/XX/XXXX one at XXXX XXXX after XXXX XXXX XXXX calls XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 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: IL

Complaint narrative:
In XXXX of XXXX I was added as an authorized user for a credit card ( XXXX ) the trade appeared on my credit report with a 3 major credit bureaus. The account was and is in a positive status. The account was not fraudulent it was accurately verified and reported legally. In XXXX or XXXX of XXXX I disputed this account for inaccurately reporting the balance with TRANSUNION. In XXXX of XXXX TRANSUNION claimed to have conducted an investigation and upon completion deleted the trade line from my credit report. I reached out to TRANSUNION regarding this error and was told that I needed to contact XXXX credit about having it reinserted. I then reached out to XXXX and they began the reinsertion process by sending me a document to sign and date as verification to the credit bureaus that I am in fact agreeing to have the trade line reinserted. I sign the document, sent it back to XXXX XXXX, they then acknowledged receipt and stated they will send the needed information to TRANSUION and the trade line will then be added back to my report. I spoke to a XXXX representative on XX/XX/XXXX and they then told me that TRANSUION responded to their request about reinserting the trade line back onto my credit stating that they refuse to reinsert it due to an internal policy. XXXX and I have contacted TRANSUNION and they are continuing to deny our request. TRANSUNION has not sent me any information regarding this internal policy they have resulting in their decision

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 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have been XXXX  for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All the above inquiries is unauthorized and should be disputed from my XXXX Report and all 3 Credit Bureaus XXXX Equifax And XXXX Under the laws of the FCRA ( 15 USC 1681-1681u ) these unauthorized inquiries and accounts must be removed

Company response to consumer: Closed with explanation