vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-06-08 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
The car was sold in a auction

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 2023-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
This am XX/XX/23 at XXXX I received a notice via email from PayPal confirming an order for a XXXX XXXX XXXX Worth {$690.00}. I DID NOT MAKE THIS PURCHASE! I tried calling PayPal and they wanted me to use an app that would allow them to see all of my information. I told them to cancel the order immediately!!! 
PLEASE HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: OH

Complaint narrative:
I signed up for a new checking account at my local branch, who stated that I was eligible for a a promotion by opening up a new checking account and closing my old one. I did this. I met all the criteria to obtain the promotion within the time frame. They said allow 60 days. I did that, plus some. I have made XXXX phone calls, all 8 calls have given me a representative or banker, who have given me either lies OR false promises as to when the promotional funds would be available. When I wasnt getting anywhere with customer service, I called the local branch, explained what was going on. They asked that I give them a couple of days and theyd get back to me. The bank manager called me back and stated she never entered a promotional code on my account and basically called me a liar. This was the branch in XXXX Ohio at the XXXX. I have spoke to at least 8 bankers and a different manager, who have stated that the promotional code was entered and I did qualify. Last week was my last call to customer service, they were to call me back on Thursday or Friday last week, nothing. I deserve the promotional funds I was promised because I met all the criteria. I asked to speak to a supervisor or corporate and they will NOT put in contact with anyone there.

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have received official superior court document that a case was closed and balance cleared that is being reported to my experian and XXXX credit report I have submitted this document to Experian and XXXX numerous of times I even had the XXXX XXXX XXXX XXXX speak to the credit companies telling them that the case is closed and should not be reported on his credit report but EXPERIAN AND XXXX keeps reporting the information as ACCURATE when it is not because the case is closed and refuses to remove it from my credit after I have provided substantial amount of evidence that it should not be on my credit reports and it has dropped my credit to atleast XXXX points and is causing financial harm to me an my family

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 2023-06-08 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX You are in Direct violation of the fair edit reporting act ( ) has violated several of my rights. 
15 u.s.c 1681 A. section 602 clearly states that i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my written instruction.

15 u.s.c 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I, first name & last name, consumer, and natural person, am aware of all rights that i have, and which are protected by the Congress under the fair credit reporting act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confuse under USC 1681 1 inquiry name : XXXX  XXXX Inquiry date : XX/XX/23 XXXX inquiry name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/23 XXXX inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/23 XXXX inquiry name : XXXX Inquiry date : XX/XX/23 - [ ] 15 U.S.C 1691 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.

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 2023-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I, first name & last name, consumer, and natural person, am aware of all rights that i have, and which are protected by the Congress under the fair credit reporting act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confuse under USC 1681 1 inquiry 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 - [ ] 15 U.S.C 1691 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.

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX You are in Direct violation of the fair edit reporting act ( ) has violated several of my rights.

15 u.s.c 1681 A. section 602 clearly states that i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my written instruction.

15 u.s.c 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

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 2023-06-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2023, the consumer recieved via certified XXXX postage of the consumer requesting for Transunion to investigate the " validation '' of the debt of XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX and XXXX XXXX XXXX XXXX. Transunion report file of the consumer does not have any contact information ( address and telephone number ) of both the original creditor or the debt collection agencies in which the consumer recieved any written notice of a debt the consumer owed such collection agencies in compliance to 15 U.S. Code 1692g ( a ) ( 1 ) - ( 5 ) .Transunion was requested to foward the consumer letters ( NOTICES ) from the debt collection agencies complied with 15 U.S. Code 1692g ( a ) ( 1 ) - ( 5 ) to validate the debt. Transunion was given 30 days to investigate into having the debt collection agencies provide such Notices and was requested upon failing to validate the debt, to remove such accounts from the consumers credit report. Transunion did not correspond back before the consumer within the 30 day timeframe and did not provide the appropriate data in which a dispute can be made to validate the debt in action to show that the debt collection agencies provided within the consumers file report did not comply with 15 U.S. Code 1692g ( a ) ( 1 ) - ( XXXX ) and no validation of the debt exists.

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 2023-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
XXXX XXXX account was open XX/XX/XXXX. No payment was made on this account XX/XX/XXXX. LVNV, XX/XX/XXXX. THE debt is time bared an should not be reporting on my consumer credit report. 6 years is Tennessee law to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phillips & Cohen Associates, Ltd.
State: NY

Complaint narrative:
My mother passed away in XX/XX/2023. She did not have a will or any assets. I notified all of her creditors of this and returned all documents sent will a cease and desist note attached. This one lawyers office Phillips Cohen after the letter and being told to cease and desist repeatedly, the phone calls Keep coming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have received official superior court document that a case was closed and balance cleared that is being reported to my XXXX and transunion credit report I have submitted this document to XXXX and Transunion numerous of times I even had the XXXX county court office speak to the credit companies telling them that the case is closed and should not be reported on his credit report but XXXX AND TRANSUNION keeps reporting the information as ACCURATE when it is not because the case is closed and refuses to remove it from my credit after I have provided substantial amount of evidence that it should not be on my credit reports and it has dropped my credit to atleast XXXX  points and is causing financial harm to me an my family

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 2023-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Citibank has stolen my {$18000.00} checking account and will not give me access to the money. They will not tell me the security failure when i talk on the phone to them.Twice they say they sent a security code to my home by regular mail, but it never arrived and Citibank can not prove that it was returned undelivered. The problem is that they will not explain the security violation and will not send the XXXX XXXX XXXX where there must be a return receipt. It is sent regular mail with no tracking mechanism. For six weeks I have been unable to pay my bills and am in dire financial straits and about to be evicted from my home. I want Citibank to explain in writing the exact security fraud violation and send the code to open the account by 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 explanation
Consumer complaint received 2023-06-08 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 — Investigation took more than 30 days
Company: U.S. BANCORP
State: AR

Complaint narrative:
I paid off my US Bank line of credit account by a settlement amount offered to me by US Bank on XX/XX/2023 in the amount of {$240.00}. it was paid in time with the time limit they offered me. Payment was made through XXXX XXXX XXXX XXXX. I received a letter in the mail from XXXX saying my account was paid and resolved and I still have a copy of the letter. On my credit report the account shows being paid and closed. My credit score has not been updated and when I dispute this with the XXXX XXXX, they say the information they have is accurate and that's not correct. I have disputed this XXXX times now and get the same answer.

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 2023-06-08 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: GA

Complaint narrative:
unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identities as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

These accounts should not be furnished on my consumer report as they are in XXXX!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I noticed an account on my report I dont recognize from XXXX XXXX XXXX XXXX {$42000.00} And a few inquiries

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX You are in Direct violation of the fair edit reporting act ( ) has violated several of my rights.

15 u.s.c 1681 A. section 602 clearly states that i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my written instruction.

15 u.s.c 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

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 2023-06-08 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX Acct # XXXX has violated my rights.

15 USC 1681 section 602A. states I have the right to privacy.

15 USC 1681 section 604A section 2 : it also states a consumer can reporting agency can not furnish an account without my written instructions This account is also reporting inaccurately on a number of data points.

The account is reported as open which is illegal and inaccurate.as it is not an active account and is a collection.

The account is also reporting as a charge-off but is allegedly a collection which is illegal and inaccurate. 

The account is also reporting ok payment history on XX/XX/XXXX then shows as a charge off as of XX/XX/XXXX which is illegal and inaccurate. 

I have also attached a letter. Transunion has deleted this from my credit report due to the multiple inaccuracies and illegal reporting and I expect XXXX and Transunion to follow the law as well.

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 2023-06-08 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: NY

Complaint narrative:
Upon receiving a copy of my credit report from TransUnion, I discovered multiple hard inquiries that I did not authorize or initiate. These inquiries were made by various entities, and to the best of my knowledge, I have had no prior dealings or interactions with these organizations. The presence of these unauthorized inquiries raises serious concerns about the potential misuse of my personal credit information. 

As per 15 U.S.C 1681b, a permissible purpose is required for an entity to access an individual 's credit information. Specifically, section 1681b ( a ) states that a consumer reporting agency may furnish a consumer report only to those with a valid need as outlined in the statute. The law restricts the permissible purposes to situations such as credit applications, account reviews, employment screenings, insurance underwriting, and legitimate business transactions. 

Needless to say none of these hard inquiries on my report had permissible purpose. 

Under 15 USC 1681s-2, TransUnion, as a data furnisher, is obligated to provide accurate information to consumer reporting agencies. The statute requires that consumer reporting agencies take reasonable steps to ensure the accuracy and integrity of the information they furnish to credit reports. In this case, it is evident that TransUnion has failed in its duty to provide accurate and up-to-date information, as evidenced by the discrepancies in my credit report.

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