vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 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: GA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

1. XXXX XXXXXXXX # XXXX 2.XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inaccurate inquires listed on my report : XXXXXXXX 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 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

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 2023-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: DISCOVER BANK
State: PA

Complaint narrative:
NOTICE OF DISPUTE I attempted to settle this issue with Discover Financial Servicesmultiple times. Discover Financial Serviceshas done nothing but postpone.I request the proper documentation that would prove I have Legal obligation to pay this alleged debt which they fail to provided. Sharing statements as a copy of consumer contact as evidence of alleged debt is not proof, I owe this alleged debt. And as per the judgment in the case of " Pacific Concrete '' F.C.U. vs Kaunanoe '' a copy of the consumer contract is not significant evidence of a debt. Please be aware that this is causing financial difficulties. Failure to reply legally and lawfully will result in additional proceedings. If you do not answer within 7 calendar days, this will be construed as your acceptance that the debt is illegitimate. Please authenticate by verifying and validating by providing me with the documentions proving that I am LEGALLY LIABLE TO PAY THIS ALLEGED DEBT!!! I am now requesting respectfully that they send me a notarize affidavit under the penalty of perjury from a senior executive certifying under the penalty of perjury that i in fact received good and services as a result of this transaction, and A mere assertion that it has " BEEN VERIFIED '' is not an appropriate legal or legal response. Please remove the following item immediately : Account number # ( XXXX ) ( # XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have two complaints. These two inquiries showed up in my XXXX XXXX report. Both are hard inquiries using my personal information without my knowledge or consent. The first one was made on XX/XX/2023 with XXXX XXXX XXXX for which I believe is a Bank loan. that The address and phone number is listed as follows : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX. Phone number is XXXX. The second inquiry dated XX/XX/2023 is Target Fin/TD-PRVTE LABL, with an address of XXXX XXXX XXXX XXXX, XXXX XXXX, SD and phone number is XXXX. 

I personally feel that it is the same two individuals that attempted to secure the previous accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 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: GA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

CHILD SUPP Account # : XXXX, XXXX XXXX Account # : XXXX, CHILD SPRT Account # : XXXX, These accounts has violated my rights.

15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items 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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I unfreeze my credit at both XXXX and Transunion on XX/XX/2023, XXXX was able to pull from XXXX but not Transunion, due to my credit file is locked, been trying to call Transunion for the last XXXX hrs, with many call drops, call transfer drops, calls routed to agents that have IT issues, still and find a solution as now XX/XX/2023 XXXX EST.

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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BANK OF AMERICA HARD INQUIRY on my credit report for XXXX on XX/XX/. The inquiry was not made by me. I tried to call Bank of America several times to resolve the issue. XXXX asked me to get a letter from Bank of America regarding the inquiry. Apparently, Bank of America has resolved the problem at their end with no letter to me to present to XXXX. Called XXXX again and explained the whole situation and they tell me they can not delete as well until I report the issue with FTC. This inquiry is causing a decrease in my credit report which I did not make.

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 2023-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
About a year ago on XXXX, I came across a guy on social media who I thought could teach me how to invest in my money and I put in about {$16000.00} for him to invest which I naively did into this website that I no longer have access to. I later found a lot of suspicious things about him and I had to do my research only to find out there were other people who had an encounter with him and knew him as a scammer. So after I found out about that I had to block him immediately and no longer contact him. I do have screenshots of our conversation to back up the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Approximately 3 wks ago, I attempted to log into my Transunion account. It did not take my user name and password. I followed the instructions to reset the password, and was supposed to received a 2nd tier verification code via e mail. I did not received the emai. I attempted several times, and called Customer Service. I was informed that it was a technical issued and try the next day. This has continued over the last three weeks. I informed Customer Serice that I would talk to Tech Support for assistance. I was assured that would happed. It has not. I need help so I can log into my account. Thanks

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 2023-04-03 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: GA

Complaint narrative:
On XX/XX/2023, I wrote Experian disputing incorrect personal information reported by the credit reporting agency. In the dispute letter I specified the rationale for my compliant according to FRCA U.S.C.1681i. I mailed the letter via certified mail via USPS. On XX/XX/2023, Experian replied to my dispute, stating the inaccurate personal information was updated to reflect my legal name and address. In addition, Experian also stated my credit score had increased by 20 points. Although Experian stated the information was updated and credit score increased, my current credit information remains unchanged as of XX/XX/2023.

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 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On or around XX/XX/ I opened and account with Regions Bank for the company XXXX XXXX XXXX XXXX XXXX ( I, XXXX XXXX XXXX, am the president of XXXX XXXX. On that date I deposited only {$1000.00} dollars. 
On the date indicated the Bank sent me a Debit Card. I do not remember if I received that Debit Card or not. I never remember or wrote down the PIN. 
On XX/XX/ the card was activated. I did not activate the card. Regions does not have security steps to activate a debit card. Somebody may have my name and my SS and call and activate the card. The problem that Regions lacks one important step in the activation process. They do NOT sent a request to enter a PIN to activate card ( others banks do this like XXXX XXXX, etc. ) Then Regions allowed to change the PIN or use the one that I have created at the time of opening the checking account. 
Please remember that I did not wrote or even remember the PIN I created when I first open the Checking Account. 
Notice that the first fraud activity was XX/XX/ and the Bank never took action to cancel a card that was sent in XXXX. same year. How come they keep as valid a card for more than 5 months?. 
Next, once the charges started on XXXX Regions does not have any security like : 1. Informing me that there was too much activity on a card that has never been used before.2. Regions even allow large purchases to go in without stopping them, for example, XXXX XXXX # XXXX, 3 purchase for {$500.00}, {$1000.00}, {$2500.00} same day same time on XX/XX/. 
Region fail in stopping these transactions ( see statement ). 
I believe that the bank failed in his security too many times and therefore they are liable for the charges incurred into my checking 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 2023-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc
State: SC

Complaint narrative:
Hunter Warfield a self proclaimed debt collector sent me a letter around or about XX/XX/23 claiming that I owe {$2300.00}. I have never heard of this company nor have any contact with this company. Since they themselves stated that they are debt collectors which means that they fall under the guidelines of FDCPA. Pursuant to 15 USC 1692g I have requested validation of the alleged debt that is verified under the penalty of perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The following companies show inquiries on my credit report without my knowledge or authorization:
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

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 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/23 Account was hacked twice for {$1000.00} twice by the same person. Bank determined that first {$1000.00} taken was fraud, but said we authorized 2nd transaction. Bank alerted us to fraud when a third transaction, by same person, was attempted. We have provided multiple pieces of evidence to show we did not make nor authorize these transactions and it makes no sense to us how that bank could say one transaction by the same person was fraud but the other was not. They have refunded the first {$1000.00} but refused to refund the send transaction of {$1000.00}. Evidence provided are 1 ) Fraud alert from bank with same transaction name, 2 ) phone data usage that shows our phone were not in use at the time of the transaction, 3 ) fraud alert text from XXXX XXXX  on third attempt for {$500.00} from same person. 

Will submit all evidence upon request. 

Also, person in question has recently been arrested on other unrelated fraud charges, according to the person we were working with at our bank.

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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

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 - {$140000.00}, XXXXXXXX XXXX XXXX- {$130000.00} Child Support Services XXXX XXXX XXXX XXXX. 
XXXX, CA 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.

15 U.S. Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX HARD INQUIRY on my credit report for XXXX on XX/XX/2022. The inquiry was not made by me. I tried to call XXXX XXXX XXXX  several times to resolve the issue. XXXX asked me to get a letter from XXXX XXXX XXXX regarding the inquiry. Apparently, XXXX XXXX XXXX has resolved the problem at their end with no letter to me to present to XXXX. Called XXXX again and explained the whole situation and they tell me they can not delete as well until I report the issue with FTC. This inquiry is causing a decrease in my credit report which I did not make.

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 2023-04-03 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: TX

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt.

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 2023-04-03 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: MD

Complaint narrative:
Through out XXXX - XXXX I have been trying to figure out why Equifax is reporting inaccurate information on my report. They are currently reporting XXXX XXXX XXXX as being opened on XX/XX/XXXX with a balance of {$19000.00}. The credit limit is allegedly {$15000.00} and the amount past due is {$19000.00}. The payment status is reading collection/chargeoff while the payment history has Ok from XX/XX/XXXX to XX/XX/XXXX in which they are updating the date of last activity. The date of last active is XX/XX/XXXX and the date of last payment is XX/XX/XXXX. Now how can this be a charge off account opening in XX/XX/XXXX and then charged off and the date of last payment is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I received a call from California check cashing on XX/XX/XXXX from XXXX asking if I wanted to make a payment towards XXXX XXXX XXXX of XXXX. 
I told her I wanted to pay XXXX. XXXX she said ok and gave me my balance. 
I go to check my XXXX account and some one from XXXX XXXX took XXXX off of my card. The lady informs me they handle payment for personal loan companies and to call my lender because that's not hr department gives me the number to XXXX XXXX. She told me there are numbers to call when an employee makes a mistake. So now everyone is saying there is nothing they can do because it's already processed. And I can take out another loan .The store excuse was oh she's new. So I called my bank and filed a dispute and I'm waiting to see what These loan places are going to do in these types of situations. People work to harder for their money now a days and if they offer out money they need to be able to give it back swifty. And XXXX needs more training and pay me my money lol

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The following companies received my CR report without permissible purpose according to 15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions and according to 15 USC 1681 section 602 states I have the right to privacy XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX 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