vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-20 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: NJ

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT #XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO
 PRIVACY.

15 C 1681 SECTION 604 A SECTION 2: IT ALSO STATES A
CONSUMER REPORTING AGENCY CANNOT FURNISH A 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 non-monetary relief
Consumer complaint received 2024-10-20 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO
 PRIVACY.

15 C 1681 SECTION 604 A SECTION 2: IT ALSO STATES A
CONSUMER REPORTING AGENCY CANNOT FURNISH A ACCOUNT
WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've recently checked my credit report and notice some inaccurate accounts reporting

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 2024-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Firstsource Business Process Services, LLC
State: CO

Complaint narrative:
On XX/XX/year>, I requested proof of the Debt by mail with a certified return receipt. The letter was delivered per XXXX the receiver did not sign for the return receipt. My request was for proof of the debt, account statements, verification of Assignment, and a Detailed Breakdown of Charges and their License information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: CA

Complaint narrative:
XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Subject : Request to Block Fraudulent Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I am writing to formally request that you block information appearing on my consumer credit report that is the result of identity theft and fraud, as provided under FCRA 605B ( 15 U.S.C. 1681c-2 ). I expect this action to be completed within four business days of your receipt of this complaint. 

The following accounts are fraudulent, inaccurate, and were not opened by me : XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Balance : {$700.00} XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX XXXX XXXX Services Account Number : XXXX Date Fraud Began : XX/XX/XXXX These fraudulent accounts have resulted in numerous unauthorized hard inquiries and collections appearing on my consumer FICO credit report. I do not recognize these accounts, collections, or inquiries as they were not opened, made, or initiated by me. All mentioned accounts are the direct result of identity theft and fraud. 

I have attached a copy of my FTC Identity Theft Complaint # XXXX as proof that these accounts and inquiries are fraudulent. 

Please confirm receipt of this request and inform me of the actions taken regarding my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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:
XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Subject : Request to Block Fraudulent Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I am writing to formally request that you block information appearing on my consumer credit report that is the result of identity theft and fraud, as provided under FCRA 605B ( 15 U.S.C. 1681c-2 ). I expect this action to be completed within four business days of your receipt of this complaint. 

The following accounts are fraudulent, inaccurate, and were not opened by me : XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Balance : {$700.00} XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX These fraudulent accounts have resulted in numerous unauthorized hard inquiries and collections appearing on my consumer FICO credit report. I do not recognize these accounts, collections, or inquiries as they were not opened, made, or initiated by me. All mentioned accounts are the direct result of identity theft and fraud. 

I have attached a copy of my FTC Identity Theft Complaint # XXXX as proof that these accounts and inquiries are fraudulent. 

Please confirm receipt of this request and inform me of the actions taken regarding my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-10-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I am writing to file a formal complaint against the Huntington Bank XXXX located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. In the XXXX XXXX XXXX. 

On XX/XX/year> during the morning time. I had a concerning experience with one of the tellers, named XXXX, who was assisting me with my account. During my visit, I had to briefly step aside to make a phone call to my husband. 

Upon returning to the line,. I requested XXXX not to discuss my situation with XXXX and indicated that I was willing to wait for her assistance. Despite my request, XXXX abruptly informed me that she could not help me and directed me to XXXX. XXXX proceeded to process my transaction, and as I was leaving the bank, he called out my name and made unwarranted remarks about my behavior towards XXXX. Allies exact words where XXXX let this be the last time you yell at XXXX, this better be the last one you come in here to yell at XXXX otherwise I will talk to the XXXX and make sure you dont step foot in this office every again XXXX XXXX was not talking to me he yelled this out to me as I was walking out the banking center. While other customers were present. I found Allies behavior to be unprofessional and disrespectful. I am an XXXX  customer with XXXX  XXXX. It may seem like Im talking loudly but it is never on purpose. This is something they do not know or have respect for. No customer should be subjected to such treatment by bank staff. I expect a certain level of professionalism and courtesy when interacting with bank employees, and this experience fell far below my expectations. XXXX 's conduct towards me was nothing short of disrespectful and intimidating. Instead of allowing me to voice my concerns, he threatened me with consequences, including reporting me to the XXXX and barring me from the banking center. This public display of aggression and lack of respect left me feeling deeply humiliated and disrespected in front of other clients present at the time. Dolly Vega 1 ( 312 ) 270-9022

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: ProCollect, 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. 
XXXX XXXX : # 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 explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
accounts marked closed with multiple date of opening not reporting same information on the credit bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: GA

Complaint narrative:
My information might have been impacted by the XXXX data breach and may have got into the wrong hands of the wrong person. 
I been receiving emails, phone calls & text messages for over couple years & noticed some accounts on my credit report that i have not opened. I am a victim of FRAUD and its damaging my financial lifestyle. 

I would appreciate for you guys to remove any inaccurate information on my credit report, here is the following in accurate information XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-10-20 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: GA

Complaint narrative:
My information might have been impacted by the XXXX data breach and may have got into the wrong hands of the wrong person.

I been receiving emails, phone calls & text messages for over couple years & noticed some accounts on my credit report that i have not opened. I am a victim of FRAUD and its damaging my financial lifestyle. 

I would appreciate for you guys to remove any inaccurate information on my credit report, here is the following in accurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-10-20 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: IL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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 2024-10-20 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
Inquiry placed on my file by a company I did not authorize to do so. XX/XX/2024 I did not authorize thos

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Inquiry placed on my file by a company I did not authorize to do so. XX/XX/year> I did not authorize thos

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
A debt collector is reporting that I owed XXXX  money when account has been settled and already deleted from a different debt collector. When ask to provide proof they kept trying to get me to pay for delete through sending a payment in mail as the only option. And only reports through XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I pay my payments early because interest is compiled daily, so I make my payments early the company payments are do every two weeks {$240.00} if I send a {$500.00} payment they apply {$470.00} to interest and the remaining balance to principal if the payment is early why double the amount of the payment due why would 90 % of the payment go to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : TD BANK Address : XXXX, MN XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX Highway XXXX, XXXX SC XXXX Dear TD BANK I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I ordered a strobe light from XXXX who received the money from affirm 2nd party. XXXX XXXX XXXX. I found out it was a scam so I canceled my payment. I never recieved the strobe light. The strobe light was returned by the postoffice. I txt affirm and told them. The stroblight was returned to XXXX by the US postoffice. and I was not going to pay. They did not care. They turned it over to a collection agency and they turned it over to the credit bureau and it on my record and damaged my credit. I need this to be removed. Affirm will not remove it from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: CO

Complaint narrative:
On XX/XX/year>, I requested from Jefferson Capital System LLC proof of the Debt by mail with a certified return receipt. this is my first attempt. My recent request was for evidence of the debt, account statements, verification of assignment, and a detailed breakdown of charges and their license information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: SC

Complaint narrative:
About 30 days ago I received ( 7 ) account breach emails to one of my emails associated with a former Chase business, and personal account. The two emails known to Chase that were compromised in their recent data breach were XXXX, and XXXX. 
In this period someone applied for a Chase credit card in my name, and I received notification from my " Identity Defense '' program, that this information is circulating on the dark web. 
I need this removed from the Chase system, and the credit bureau/s/ in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: FL

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
an international flight was purchased plus seats, seats were not assigned correctly by XXXX XXXX XXXX, mid air they took us back to airport and cancelled all the flights after 48 hours they send us back to USA and advised to call airline for. refund, air line did not help charges were disputed and all documents including cancellation of flights were submitted. after 45 days BofA approved and gave me full refund, XXXX  months later charged me back again. try to get an explanation they said there were not any documents, dispute the charges again and agent said we have all the documents including cancellation of flight sh she. took the dispute 2 hours later they decided it 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 monetary relief