vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 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: IN

Complaint narrative:
ALL of these regular inquiries need to be removed from my TransUnion credit report as I am a victim of identity theft and fraud. Please remove these inquiries from my TransUnion credit report listed below Regular Inquiries More Info + Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Inquiry Type Individual I have already tried to contact the company. They can not remove the inquiries all of those companies said that TransUnion are the people that HAVE TO REMOVE THEM FROM MY CREDIT REPORT. THEY DO NOT HAVE ACCESS TO THAT ONLY TRANSUNION DOES.

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 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2023-10-17 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
XXXX XXXX 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 captial one I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding my credit report. A previously disputed collection account has reappeared on my credit report, and I would like to address this matter promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The collection account in question was previously disputed, and after a thorough investigation, it was removed from my credit report. However, I recently obtained a copy of my credit report and was dismayed to find that the same collection account has resurfaced, negatively impacting my credit score. 
I kindly request that you investigate this matter once again and provide me with a detailed explanation of why this collection account has reappeared on my credit report, despite our previous dispute. If any new information or documentation has become available, I would appreciate your sharing it with me. 
I would also like to remind you of my rights under 15 USC 1681, which guarantees my right to privacy and stipulates that I must provide written permission for the reporting of this account. To my knowledge, I have not given any written permission for Equifax or XXXX to furnish this account information. I kindly request that you promptly initiate a re-investigation into this matter in accordance with your obligations under 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I seen a hard inquiry on my report from my SECU bank that I did not make and after speaking with my bank the third time they told me someone applied for a XXXX $ loan online. The inquiry date is XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I have 3 loans with Loan Depot, I always use XXXX  and XXXX XXXX XXXXXXXX online bill pay to pay all 3 mortgages same day, Loan Depot charges late fee if no payment received by XXXX. 

XXXX XXXX XXXX, I use XXXX online bill pay to pay monthly mortgage since XX/XX/XXXX, never had any problem. 

XXXX XXXX, I used XXXX XXXX XXXX online bill pay to pay monthly mortgage since XX/XX/XXXX, XXXX mailed checks to loan deport typically very quickly. I had 2 late fees from Loan Depot, after I talked to Loan Depot, they waived those fees due to their delayed processing of check from XXXX XXXX XXXXXXXX online bill pay. 

XXXX XXXX XXXX, I used XXXX XXXX XXXXXXXX online bill pay to pay monthly mortgage since XX/XX/XXXX, Loan Depot charged me 5 late fees ( {$290.00} XXXX ) so far, I called them, Loan Depot agreed to waive 2 late fees due to their delayed processing of check from XXXX XXXX XXXXXXXX online bill pay. They still keep 3 late fees, they said XXXX mailed those 3 checks late, I called XXXX XXXXXX/XX/XXXX with case number XXXX and mailed them all the docs per their request. ( they do not allow email ) I followed up XX/XX/XXXX, XXXX pm, after listening to music 32 minutes, the customer service rep XXXX XXXX employee ID XXXX ) said they can NOT do anything about it, your help will be greatly appreciated. 

With details below I requested XXXX online bill pay XX/XX/XXXX, XXXX mailed check XX/XX/XXXX, XXXX online banking showed payment clear XX/XX/XXXX, met Loan depot payment deadline, they shall not charge me late fee, they shall waive it. 
I requested XXXX online bill pay XX/XX/XXXX, XXXX mailed check XX/XX/XXXX, Loan depot processed payment XX/XX/XXXX. XXXX shall reimburse me late fee I requested XXXX online bill pay XX/XX/XXXXXXXX XXXX  mailed check XX/XX/XXXX, Loan depot processed payment XX/XX/XXXX. XXXX shall reimburse me late fee XX/XX/XXXX, Loan Depot offered me the option to pay from Loan Depot online account which will complete payment within 1 biz day. From now on, I will stop using XXXX online bill pay, and only pay from Loan Depot online account, to avoid future headache.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Already sent in documents to TransUnion to add an EXTENDED FRAUD ALERT to my TransUnion credit report and it was once added but then it got removed so wanted to get that added again.

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 2023-10-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ZIONS BANCORPORATION
State: WI

Complaint narrative:
I purchased from Nevada State Bank two CDs : one on XX/XX/XXXX for {$1000.00}, the other on XX/XX/XXXX for {$1000.00}. Both are automatically renewable with no expiration dates. I kept the original signed certificates in my safe at home. On XX/XX/XXXX, I presented them to Nevada State Bank for redemption and the bank refused to pay because they have no records of the purchases, claiming that the records were purged. Can they refuse to pay?

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 2023-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Milestone Parrish LLC
State: IL

Complaint narrative:
Milestone Parrish acquired a debt deemed uncollectable from XXXX XXXX that includes a name I previously used but legally changed, an address I previously used, and my social security number. The purchase was made online with no ink signature for three sets of tires. At the time of the alleged purchase ( XX/XX/2019 ), I worked at a business at the address in question but no longer used that address personally as I had sold the business to another corporation. Since I maintained a daily presence at the business, I would have noticed if three sets of tires were delivered to that address ( however, nobody has been willing to disclose the delivery address of the tires to me ). Milestone Parrish engaged a company called XXXX XXXX XXXX to collect the debt earlier this year, but when they could not validate the debt, they declined to continue action. Recently, Milestone Parrish engaged XXXX XXXX XXXX to try to collect the debt. I never heard from this company until I reached out to them myself once they had reported the bad debt to the collection agencies. They were unable to validate the debt and have declined to continue to pursue the collection. However - I fear that this will continue with yet another debt collector as Milestone Parrish shuffles the debt. The debt total is {$4600.00} and it is not mine.

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My TransUnion credit report file wont update. Have attempted online to request a new one hasnt worked for over two months.

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 2023-10-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Byrider Franchising, LLC
State: MD

Complaint narrative:
In XXXX, XXXX I came into contract with CNAC through XXXX. A XXXX XXXX XXXX XXXX. Upon the contract agreement I was advised by XXXX, my Salesman that the vehicle would be under dealers warranty until the duration of the contract. 3 weeks after I brought the vehicle home, it was back in the shop, which was a recurring theme for the 25 months that I've had this vehicle in my possession for at least 20 times in the past 25 months ; including XX/XX/XXXX where the fuel pump was supposedly fixed. Fast forward to XXXX, the vehicle broke down for good. I received a call from XXXX, the shop XXXX stating that I need a multitude of work done, including the fuel pump, radiator, brake lines, brakes, rotors, coolant lines, thermostat, amongst other things, totally over {$1500.00}. I questioned why the price was so high when the vehicle is still under warranty, XXXX replied that my warranty is over because it's over XXXX miles. I told him that I was advised by XXXX about the duration of the vehicle 's warranty until the end of the contract he said that it wasn't true and to pay the money. When I returned to XXXX to retrieve my items from the vehicle, it was found that the shop also had drained that battery, in which the CNAC manager stated that she would " fix it for free, if I would make payment arrangements with them. '' I declined, because I felt that I had been taken advantage of during the purchase of this lemon. In XX/XX/XXXX, I received a letter from Attorney 's, XXXX XXXX XXXX 's office in reference to the balance of CNAC. In which I responded with a letter, asking for the verification of the debt, in which they responded with parts of the origingal contract and a ledger. Then in XXXX of XXXX, CNAC puts the balance on my credit report and it shows open as a new auto loan. I want to know how is it that a company can sell your debt to an attorney/ creditor, then put the balance on a credit report as a new loan?. So, it appears that they are attempting to get me to pay both parties. Nonetheless, I have no way of paying either of them. I have been without a vehicle and a job since XXXX of XXXX, had my identity stolen, trying to apply for work. I have been turned down for job after job, and even had an job offered, set to start on XXXX, also to no avail.. This has been a very stressful and depressing year for me and I can not pay anyone anything at this point in my life. CNAC has had their lemon vehicle back since XXXX. I would just like them to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally Bank closed my account and still have me block on XXXX list as fraud. Ally Bank is stopping me from trying to set up new XXXX with my new bank.

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 2023-10-17 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
I have no knowledge of this hard inquiry which was a result of identity theft which must be removed no later than 4 business days as per 15 U.S.

Code 1681c-2 made on my credit report for Capital One Bank USA on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have had this XXXX XXXX XXXX XXXX  since XX/XX/XXXX  ... ..And nothing is being reported to any of the three credit bureau 's ...

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 2023-10-18 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: NE

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Already sent in documents to TransUnion to add an EXTENDED FRAUD ALERT to my TransUnion credit report and it was once added but then it got removed so wanted to get that added again.

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 2023-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.

Complaint narrative:
I have been a victim of Identity Theft. I never lived in XXXX have reports from Federal Trade Commission and the Police to prove that my identity was stolen and I never took out any loans. The debt collection company refuses to have my file reconsidered and removed. I have multiple reports from other banks acknowledging that they concluded investigation in their favour and proved that I was not responsible for those loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA

Complaint narrative:
I have been a victim of Identity Theft. I never lived in XXXXI have reports from Federal Trade Commission and the Police to prove that my identity was stolen and I never took out any loans. The debt collection company refuses to have my file reconsidered and removed. I have multiple reports from other banks acknowledging that they concluded investigation in their favour and proved that I was not responsible for those loans.

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 2023-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
This is a debt created by a XXXX  XXXX that the XXXX center failed to get prior authorization from the Department of Veteran Affairs office. I was able to obtain the pre authorization for the surgical center to bill against but they had sent the debt to collections. They are not supposed to bill a Veteran who receives medical care from the Veteran Affairs office from an approved medical center. This is not my debt, this debt belongs to the VA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting 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:
I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to XXXX, Experian and XXXX by way of XXXX Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 

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 U.S.C 6801-6802. Has Violated my rights. 1. Account Name : XXXX XXXX  / Account number # XXXX 2. Account Name : XXXX XXXX XXXX Account number # XXXX 3. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX 4. Account Name : XXXX XXXX / Account Number # XXXX 5. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX 6. Account Name : XXXX/ Account Number : # XXXX 7.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Has Violated my rights.

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 2023-10-17 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: IL

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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