vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc.
State: GA

Complaint narrative:
Professional Account Management LLC collecting on behalf of XXXX XXXX and XXXX XXXX ( XXXX ). 
-Sent 2 separate Notices of Assignment to Collection Agency in XX/XX/XXXX for 2 Toll Violations on XX/XX/XXXX and XX/XX/XXXX - 15 months after dates. 
-No previous notification from XXXX of ANY toll violation. 
-1 toll violation is not even valid or possible -- it is a southbound toll and I would have be en going Northbound if I was even in the vicinity. 
-Perforated bottom of Collection letter remit statement is incorrect and misleading- it shows an amount due of {$53.00} for 1 toll violation. The amount of {$53.00} is the total for 2 toll violations. I received two separate violation notices in separate envelopes on separate days. Each notice has 1 violation noted but the total amount due is for two = {$53.00}. They are expecting you to just pay it - so you would pay {$100.00} when the total for both violations is {$53.00}. Completely deceptive. 
-They do not provide a physical mailing address only a po box , so no certified letter can be sent to protect 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 2023-03-02 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: EQUIFAX, 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. 

Account name : 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 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 explanation
Consumer complaint received 2023-03-02 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: IL

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a dispute with equifax to remove a bankruptcy. the dispute started XX/XX/XXXX & was completed XX/XX/XXXX, another dispute XX/XX/XXXXXXXX  completed XX/XX/XXXX, all stating that the information is accurate. They stated they received their information through a third party, XXXX. I also have a letter from equifax in writing stating they get their information from XXXX. XXXX has no public record of a bankruptcy, so either they are lying about the verification or it has to be an error. 
I sent equifax a letter from XXXX XXXX stating they have no record of a bankruptcy, but it seems like they are not doing their job. 
I will be uploading that paperwork also. 
It seems that i'm getting the runaround. Are they actually reviewing my case. I feel if they reviewed my case they would see that the third party they get their information from XXXX has no public record of a bankruptcy nor does XXXX, there for those are grounds for removal. 
The letter I received from XXXX is dated XX/XX/XXXX Stating they removed it from their files because it was an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, XXXX and Experian written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and Im looking to purchase however these are fraudulent inquiries and accounts that hurts 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 non-monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I received a deposit from the IRS in the amount of XXXX XXXX and XXXX XXXX and XXXX XXXX  On XXXXXXXX XXXX I received a deposit of XXXX XXXXXXXX XXXX and XXXX dollars. Then, I tried to Use the Money that was mine by re-opening up a checking account through them, which they then told Me that they could not do Since they had closed one before. fine, that's their decision. So, I decided to withdraw the money into an external bank. The original bank that was connected to the account had been closed. So, I decided to link another bank account. I was not able to do it through a glitch ( or so they say, through research most people can't. ) so I contacted customer service and they could not figure it out. I should be able to do this! this is my money we are talking about! 
I went and Tried to do it through the XXXX XXXX app The bank that I was trying to transfer into. I did it that way that was successful! Or so I thought. the money was then taken out then reversed back into the credit karma account. first I contacted XXXX XXXX customer support and everything has been good on their side every time I call. So then I contacted the customer service representative and told them that that wasn't working and they tried to give Me all these other ideas. 
That did not work. 
So finally one of the customer service representatives that I talked to probably the fifth or sixth one decided that they Would be would uh send it to a higher-up department, He then sent it out to them. He said that they would respond within twenty-four to forty-eight hours. 
They still have not gotten back to me it has been passed that timeframe. First, I tried to call the number and get ahold of this so-called team but I was unsuccessful. I tried to get the money out through a paper check today, and he said he can not do that because the reversals have not yet been finalized and that when he does send me the check it's gon na take seven to ten more business days to get that out, which is you know, I have bills to pay things that are past due. This money should have been available to me quicker than it is now! 
I tried to get all the reference numbers but they will only send me one at a time an they are all different. 
Thank you. 
Credit Karma XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: IL

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my 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 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One credit card number XXXX on XXXX and XXXX I made two separate on line payments of {$3000.00} payment from my business ' bank account XXXX XXXX XXXX XXXX XXXX Capital one chose to credit only one payment several attempt ware made claiming credit for the payment made each time Capital One indicated that they will revie and credit will be posted in next billing cycle, but that never happen. Meanwhile I continue making payment for interest since that date. 
I hope as resolution to give me the credit for the XXXX that they have in there bank account and did posted plus the interest that I pay Evidence presented : 1 ) copy of bank account 2 ) copy of bank confirmation that the payment was made to Capital One in two different dates 3 ) letter from bank officer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Kikoff Inc.
State: AL

Complaint narrative:
On XX/XX/ Kikoff suspended my card without any explanation and I just had my paycheck deposited and no one could not help me their only explanation is to send an email. I have bills and I know they cant hold my paycheck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: EQUIFAX, INC.
State: MA

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 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 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 explanation
Consumer complaint received 2023-03-02 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: OH

Complaint narrative:
After reviewing my credit report I noticed and account that shouldn't be reporting inaccurately on my credit report by the following companies : XXXX, XXXX, Transunion. 
XXXX XXXX ( original creditor XXXX XXXX ) XXXX  {$0.00} balance

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 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: FL

Complaint narrative:
I am from XXXX and I own XXXX XXXX XXXX A person texted me from a us phone number saying they will come to XXXX for vacations and that they are interested in renting the cabins. He made a deposit on my US bank account for more money than i asked to, so he asked me to transfer the difference back. My account got blocked so I called us bank to ask the reason and they said it was because im not used to getting those amounts but that everything was ok and that I have the full amount in my account. The deposit was from what you can tell on Us bank app, in cash since it was fully available from the very biginning and did not say it was a pending check. My account was available again on monday XX/XX/XXXX and I made the XXXX transfer since us bank told me the money was on my account. Later that day another us phone number texts me asking for the same thing, then I assume there was something wrong so i called us bank telling the situation. They could not even tell me if it was cash or a check and after hours of being on the phone they tell me it was a check. Later that day I called again to Us bank asking how can Us bank accredit the full amount of a check in my account if the check is not even veryfied yet, and the fraud department tells me they looked up the check with the supervisor and told me i had nothing to worry about, that the check was verifyed and the money was on my account. Today I wake up and that money is gone, I called the fraud department and again after hours of calling they told me that YES it was a mistake on their part because the person that received the check at the US bank branch didnt do the right verification on the check and they just put the full amount available on my account, and said there is nothing they can do about it. I was like how can you tell me is your mistake and that because of that i lost XXXX and there is nothing you can do about it. They said " sorry, it was a busy day probably '' like if that makes it ok I lost my money.i would never transfer money back If I know it was a check and pending from approval, but US bank told me everything was ok, and all the sudden they took that money away from my 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 explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment Bureau is reporting a debt on my credit file I do not recognize. It's a {$10000.00} debt for XXXX XXXX. I did have an account with XXXX XXXX but closed it and removed any recurring billing and I had nothing owed. Shortly after I did file for bankruptcy. I never owed XXXX XXXX {$10000.00} and I have no proof of this. I have no loans with them and never did I spend {$10000.00} so I'm confused as to where this debt is coming from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Block, Inc.
State: UT

Complaint narrative:
Sometime in the summer of XXXX, I applied to rent an apartment. The seller directed me to XXXX, where I was told to make a profile and pay a {$25.00} fee for a credit check. Since then, I have continuously gotten charged {$26.00} every month. At this point it has been so long that I dont even remember exactly when I made the profile, or for what apartment it was. There is no way to log in and access my account online, and I don't have any emails or communications from them that I can look back on. There is no phone number provided to call them. There is supposedly a way to close your account online by simply entering your name and phone number, but once again there is no confirmation email or verification that the account has actually been closed. I tried doing this today, but I am in no way confident that I will cease to be charged. The latest charge was today, XXXX XXXX  of XXXX, and I have had enough. I did some digging and learned that certafax is just a seller through Square ( XXXX ), and that is the way they have been charging me. Please someone have this obvious scam reported and shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There wrong personal information on 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 non-monetary relief
Consumer complaint received 2023-03-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: NY

Complaint narrative:
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS

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 2023-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC
State: NC

Complaint narrative:
IN XX/XX/2019 MY LOAN WAS PAID UP, THEN THE CAR LOTS WERE SHUT DOWN AND WE WERE SUPPOSED TO BE MAKING PAYMENT TO THE DEBT COLLECTOR THAT THE CAR LOAN WAS SOLD TO. I ASKED THE DEBT COLLECTOR TO COME GET THE CAR BACK NUMEROUS TIMES BECAUSE I NO LONGER WANTED TO KEEP APYING ON A VEHICLE THAT WAS SOLD TO A DEBT COLLECTOR. THEY REFUSED TO COME GET THE VEHICLE AND AUTOMATICALLY PLACED IT ON MY CREDIT.

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 2023-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS

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