vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this 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
Consumer complaint received 2023-09-29 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: North State Acceptance, LLC
State: NC

Complaint narrative:
After reviewing my credit profile on XX/XX/2023 | identified a discrepancy with account listed under NORTH STATE ACCEPTANCE and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XXXX the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct. 

I wrote to XXXX, XXXX, and XXXX requesting an investigation of the following accurate accounts reporting on my credit report 30 days ago The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and venfied 100 % that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: CA

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: TX

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.

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 2023-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

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.

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 2023-09-29 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: CO

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
XXXX  Credit Acceptance Corp worked along with XXXX XXXX XXXX, XXXX to provide financing for my vehicle purchased on XX/XX/2019. There were undisclosed fees and services added to my contract which I did not request nor did the dealer disclose. When I was able to obtain a copy of my contract which someone other than myself electronically signed I saw the additional charges and addressed this with the dealership and Credit Acceptance. A service Contract fee of {$1700.00} was added and a debt cancellation fee of {$580.00} was also added and other charges and amounts paid itemized at {$2400.00} yet no explanation of what these charges are. I asked the dealership to confirm the additional services were removed and asked for a revised contract and my calls continued to get ignored. Credit Acceptance who funded the loan told me they could not do anything about it. I was eventually able to obtain the Service Contract information through XXXX XXXX XXXX and was advised by the company there was no active policy showing for my VIN or under my personal information provided.

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 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Today, I believe scammers tried to verify my visa account. They had a list of my husband accounts and wanted me to verify if XXXX of them, stating it had been used to open an account with the bank XXXX XXXX. The caller then transferred me to Experian to cancel the account. The next person tried to check other cards and stated the government has a program to reduce debt by XXXX percent. I asked the agent to call back on Monday because the accounts belong to my spouse. I immediately called visa and requested the card be closed and a new one issued. How is so much information getting out and how to do I correct it?

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 2023-09-29 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: TX

Complaint narrative:
I would like for the bureaus to review letter attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
After reviewing my credit profile on XXXX  | identified a discrepancy with account listed under ATLANTIC FINANCIAL and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XXXXand the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/ there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/XXXX, I received an email from Chase Bank ( where I have one credit card account in good standing since XXXX and had a previous car loan account that has been paid off ) with the following message : -- -- Thanks for requesting a new credit card! 
We'll review your Chase Sapphire Preferred credit card application and be in touch soon. 

-- -- This message came from Chase and was not a fraudulent email This was the address : XXXX. 

I never submitted an application for a new credit card, nor was I looking to get that particular card or any other from Chase. 

Obviously, only Chase could have initiated this fraudulent application since they sent the email to the address I have provided for my account. Thus, I do not suspect anyone else was trying to submit an application for a credit card. 

Additionally, all of my credit bureau reports are frozen and locked at the moment so I would have been notified if anyone else had inquired about a new credit account. 

Chase has been quite aggressive after we finalized paying off our car loan earlier this month. They have increased the emails and offers sent to me but this is an absolute fraudulent application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
For the last couple of days, my wife and I have received phone calls for some sort of debt collection. So I called them back, and they verified the last 4 of my soc sec number. Then proceeded to say that I am being sued for over {$5000.00}. I asked from who, they said from citibank in 2002. I said that's a very long time ago, I'm gon na need a validation letter, contact info for the rwp at citibank, and info on what exactly the money was for. He said he would have that for me in court. He said they would put a lien on my vehicle, house, and banking account. I told him he isn't getting any money from me until my requests are met. Then he got verbally aggressive, threatening to beat me up, my wife heard this and started yelling at him. He then was very disrespectful to her, calling her a horse and asking me to keep her out of a man 's conversation.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I paid my card in full XX/XX/2023. Balance after payment stated XXXX They stated something about trailing interest in my call today XX/XX/2023 and that I owed {$2.00}. They reported to credit bureau and my credit score dropped tremendously.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-29 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: Westlake Services, LLC
State: NC

Complaint narrative:
After reviewing my credit profile on XX/XX/2023 | identified a discrepancy with account listed under WESTLAKE FINANCE and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XXXXand the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct. 

I wrote to XXXX, XXXX, and XXXX requesting an investigation of the following accurate accounts reporting on my credit report 30 days ago The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and venfied 100 % that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score.

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 2023-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
MOHELA has an incorrect loan payment amount, as based on my previous recertification when my income was XXXX dollars per year, my payment amount should be XXXX dollars as well. MOHELA has calculated a {$5000.00} per month payment amount which is incorrect. They refuse to fix it and keep trying to get me to recertify when I dont have to per federal guidelines until XXXX of next year. They are rude and unhelpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: AL

Complaint narrative:
On XX/XX/XXXX or XXXX of XXXX  I took a {$800.00} title loan out after my boyfriend tragically got killed and I been paying high interest and fees on this loan almost XXXX years now almost I have paid this {$800.00} loan back XXXX just in interest and I recently lost my job last month and I also recovered from XXXX awhile ago and I can not not afford to pay this loan nomore because I already paid over {$4000.00} just in interest in almost XXXX years now and I'm struggling trying to just pay my bills now and I'm asking for compensation if possible due to mental anguish and pain I been having still trying to pay this loan off I'm exhausted I just want my title back to my truck please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I have disputed the charges with the credit bureaus. XXXX as a debt collector reached out to me to provide some information such as lease, a copy of my driver license, a police report and a FTC complaint. 

I do not own this account and not sure why my name was on anything related to that account. I believe the crime happened in XXXX, Texas and I am living in XXXX XXXX, TX it has been now 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I would like XXXX XXXX XXXXXXXX hold practices investigated. I think their practices may be biased and discriminatory ; intentionally delaying funds availability possibly leading to unpaid items and additional fees. I think BOA should be fined for this unfair business practice. 

XX/XX/XXXX I deposited a XXXX check that I received from my retirement account ( XXXX ). Initially there was no hold placed on the account, however the teller, did advise that the deposit XXXX go through an additional review and a hold may be placed in the account. 

XX/XX/XXXX I received a letter from Bank of America advising a hold was placed on my deposit because they received information indicating that the check may be returned. My deposit of XXXX will be available XX/XX/XXXX by XXXX local time. 

XX/XX/XXXX @ XXXX, I spoke with the branch XXXX, XXXX XXXX XXXX XXXX XXXX ). She read the notice and advised that Vanguards bank gave them this information leading to the hold. She advised me to call XXXX, get verification that the check cleared and I could speak with someone at XXXX, get them the verification and the hold would be released. 

XX/XX/XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX she verified that the {$9000.00} cleared their bank XXXX days ago XX/XX/XXXX. I did a XXXX way call between XXXX and Bank of America ( XXXX ) ( XXXX ) in hopes of getting my funds released since the check cleared Vanguards bank. 

XXXX advised that she cant review my account with a third party on the line so XXXX dropped off the call. I asked XXXX what was needed to verify and release the funds. She placed me on hold when she returned she advised that she would need to escalate this to the internal department to verify my account. They were verifying if Ive had insufficient funds, returned items, XXXX in the last 12 months, and a positive balance in the last 12 months. I asked what that had to do with the hold on my deposit. She advised it would be XXXX hours d escalation. I spoke with XXXX XXXX XXXX, she advised that she was reaching out to the analyst assigned my case but she was unavailable that the case should be reviewed in XXXX hours. XXXX hours is up to XX/XX/XXXX, when the funds should be released. 

As of XXXX est XX/XX/XXXX my funds are still unavailable after XXXX XXXX XXXX XXXX received confirmation from XXXX XXXX XXXX ) that the check cleared XXXX days ago. 
.

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 2023-09-29 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: NJ

Complaint narrative:
Please remove this information from my credit report, this affects me a lot, I don't want to have it. 
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