vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The person, XXXX, Trans Union LLC, XXXX A Consumer Report Agency, has been reporting personal information that is not mine, which is causing hardship. I ask for it to be removed after verifying the account on my Consumer Report which is being furnished by a person name XXXX XXXX XXXX a debt collector XXXX XXXX XXXX has been using my consumer report without my consent. I disputed this matter with the consumer report agency ( XXXX, XXXX XXXX XXXX ) and they just claim to verify the account. I have no documentation of validation upon request.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The person, XXXX, XXXX XXXX XXXX, Experian A Consumer Report Agency, has been reporting personal information that is not mine, which is causing hardship. I ask for it to be removed after verifying the account on my Consumer Report which is being furnished by a person name XXXX XXXX XXXX a debt collector XXXX XXXX XXXX has been using my consumer report without my consent. I disputed this matter with the consumer report agency ( XXXX, XXXX XXXX XXXX ) and they just claim to verify the account. I have no documentation of validation upon request.

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 2023-09-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022 I was offered a vehicule exchange on a dealer. They never told me that they will go shoping with my credit. As a result i have XXXX inquires that i dont recognize or authorize that should be inmediatly remove from my credit report. I list the inquires below : - SXXXX 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

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 2023-09-13 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: TX

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act XXXX XXXX. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX TX XXXX 9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

10. The following personal information is incorrect Account Number : NAME : 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 2023-09-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank Of America violated Consumer Financial Protection Act, Unfair and Deceptive Practices, Consent Order 2022-CFPB-0004 related to Failure to conduct investigation on error notice, failed to provide credit to account and Applied Faulty Fraud Filter which resulted on denial of error claims to consumer accounts that reported unauthorized transactions. Bank of America with an on going Orders and subject to oversight by CFPB regarding certain Consumer Protection Law and Regulation. Bank of America still continue to deceive and unfairly treats reported notice of error which harmed consumers are left without redress or any resolution.

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 2023-09-13 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: CBC Companies, Inc.
State: OH

Complaint narrative:
On XX/XX/2022 My credit was ran without my consent by : FACTUAL DATA XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
My XXXX account was hacked and charges were made and chsrged to this card vause it wss on file with XXXX. I have tried severall times to get these chsrges removed from my card to no aviale they keep giving me the dispuites departmrnt even though its fraud. I want these charges removed 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 2023-09-13 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-09-13 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX  XXXX XXXX XXXX XXXX XXXX {$24000.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$13000.00} 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 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 2023-09-13 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I AM CURRENTLY ENROLLED IN A DEBT SETTLEMENT PROGRAM. I HAVE REPEATEDLY REPORTED TO THE CREDIT CARD COMPANY THAT I AM IN THE PROGRAM, TO CONTACT THE LAW FIRM INVOLVED FOR SETTLEMENT PURPOSES. EACH DAY I RECEIVE MULTIPLE, MULTIPLE, MULTIPLE PHONE CALLS. I HAVE SPOKEN WITH A REP FROM THE COMPANY AND GIVEN THEM THE COMPANY NAME & CONTACT NUMBER. CALLS CONTINUE MULTIPLE TIMES A DAY EVEN WHEN I REPLY THE SAME INFO TO THEM OVER AND OVER AGAIN. I HAVE ALSO CONTACTED THE DEBT SETTLEMENT COMPANY TO DISCUSS MATTER. I AM RECEIVING CONFLICTING RESPONSES FROM THEM AS WELL. ONE PERSON STATES TO GIVE THE CREDIT CARD COMPANY THE INFO AND ON PERSON SAYS NOT TO GIVE THEM THE INFO. SORTA AT A LOST ON WHAT TO DO. THE LAST REP I SPOKE WITH SUGGESTED I TAKE THIS ROUTE. I HAVE OBVIOUSLY A FINANCIAL HARDSHIP I AM WORKING THROUGH TO GET SETTLED. 
THIS COMPANY IS COMENITY BANK ASSOCIATED WITH A XXXX CREDIT CARD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a fraudulent account on my credit report that need to be removed XXXX - Card Service XXXX XXXX date opened. I sent in a letter for deletion about this account and no response from Equifax. Next my other concern is inaccurate reporting too Equifax, XXXX, and XXXX by XXXX XXXXXXXX XXXX and XXXX XXXX both accounts are reporting late payments on my account and I was never late I sent letter voicing my concerns and no response. So I'm here trying to get the CFPB to help me resolve these issue 's because my rights as a consumer has been abused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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 XXXX Bank Account XXXX XXXX XXXX XXXX XXXX XXXX Bank Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX In accordance to The Fair Credit Reporting Act, the accounts listed above has violated my rights. 

XXXX U.S.C 1681 Section 602.A States I have the right to privacy 15 U.S.C 1681 Section 604.A .Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-09-13 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: OH

Complaint narrative:
On XX/XX/2023 my credit was pulled by : CAPITAL ONE XXXX CAPITAL ONE XXXXXXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 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: 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 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 11. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 12. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2023 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 explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
keep getting late notices even thought they received payment ACH

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This company is claiming that I was late on my car payment when I never was and I want it fixed or removed off my credit report - it is impossible to get anyone on the phone to fix the situation so I'm resorting to involving the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This company is claiming that I was late on my car payment when I never was and I want it fixed or removed off my credit report - it is impossible to get anyone on the phone to fix the situation so I'm resorting to involving the CFPB

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 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I called and spoke to a Citizens phone rep on XX/XX/XXXX about closing my account. As there was a balance over XXXX in the account, he advised that as there is a limit to how much you can transfer from the account every day ( very small amount ), he provided instructions on how to request to close by mail ( snail mail, can not be email/fax etc. ). The instructions were to send a Signed letter from me which included my Account Number, Dollar amount, Address, copy of Drivers Licence. I was told I would get a check in the mail with all my funds within 10 days. I provided all this on XX/XX/XXXX. 

Today, XX/XX/XXXX ( almost a month later ) I recieved a letter signed by XXXX XXXX, Head of Checking, that I had not included a Notary Signature required on the letter. 

Why was this requirement not provided to me on XX/XX/XXXX? I believe this is a deliberate attempt to delay closing my account and transferring funds to me. This is the 3rd time I am trying to close my account and move my funds. But as Citizens does not have a branch in California, I am unable to go to a branch. It is now ridiculous that I still do not have my funds which are sitting at Citizens bank earning no interest where I could earn 5 % at another bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Today, XX/XX/23 I was checking my XXXX account information and realized there was an alert from XXXX which stated I had opened a new banking account with Fifth Third Bank. However I did not open an account with this bank, nor have I ever to my knowledge. I called to report it as fraud, and was told over the phone that they both did and didn't see and account, still confused by that, or at least the representative said there was a profile but no account, but then kept referencing an account. I was then transferred to the dispute department to dispute the profile, however I was told I couldn't dispute this fraud as the profile was incomplete. I tried to emphasize that this was fraud, and tried to offer to give them any information needed so I could properly have it flagged as fraud, the representative may not have heard me though, she kept saying I was cutting in and out. However I could hear her perfectly, so I'm not too sure how true that is I then asked to speak to a supervisor to better understand what was happening. The supervisor kept asking for my name, then seemingly pretended to be unable to hear me and hung up on me after a minute or two. All I want to do is ensure there is no account with my name/SSN on it with Fifth Third, as well as dispute and mark as fraud the profile they have on file. However it would seem there is no way to do this. It seems downright illegal that Fifth Third is allowed to operate like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: OH

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 2023-09-13 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: FL

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 explanation