vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: COLUMBIA BANKING SYSTEM, INC.
State: ID

Complaint narrative:
In early XXXX, I received an invoice from Umpqua Bank stating a fee of {$35.00} for the renewal of a Safe Deposit Box located at a branch in XXXX, Oregon. 

In XXXX of XXXX, we moved from XXXX, Or to XXXX, Idaho. Prior to moving, I personally went into the Umpqua Bank on XXXX XXXX and relinguished the safe deposit key ( s ) to a teller present at the bank. I did not close my Umpqua account, however, because there were Umpqua branches in the area where we were moving. 

Sometime in XXXX or early XXXX, I decided to close my Umpqua account due to the charges made to my account for simply writing a check or transferring money from one account to another ( {$10.00} check fee! ). I tried contacting the XXXX branch NUMEROUS times to process the cancellation and transfer the money still being held in that account. ( I had two accounts at one point, and had previously closed one. ) I was never able to get through to them. I was placed on hold for upwards of 30 or more minutes, only to eventally be disconnected. On other occasions when I called, I left voice messages with my name, phone and concern. I never once received a return phone call. 

I eventually went into a local branch in XXXX XXXX, ID and asked for assstance. It took over one hour for the personnel at that branch to contact and process the closure of my accounts. They too had difficulty in dealing with the XXXX personnel. 

I thought that would be the end of my relationship with Umpqua Bank. However, as stated above, earlier this year I received the first statement regarding the Safe Deposit Box. Again, I tried calling to no avail. At that time I again left a voice message. A month or so later, I received some papers that required notarized signatures regarding the relinguishment of my Safe Deposit Box. I took those papers to the local branch and they provided the notarization. My husband is on the account, too, so his notarized signature was also required. 

I thereafter returned by mail those papers to the XXXX branch office, again explaining that I returned the Safe Deposit key ( s ) over EIGHT years ago and was thus not responsble for any fees concerning same. 

They never responded to my letter. 

Instead, I've received another invoice for the rental of that Safe Deposit Box, for {$35.00} plus an additional {$15.00} in late fees. 

I have no idea how to proceed any furher with the personnel at the XXXX branch since they REFUSE to contact me or answer my phone calls or in any manner try to resolve this matter personally.

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: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Altitude Community Law P.C.
State: CO

Complaint narrative:
Altitude Community Law is attempting to collect a debt from past due HOA fees at my home that is owned by my Husband and Myself. The debt was taken to court and a judgement was put in place. I reached out to the company to set up a payment arrangement in regards to this debt. Meanwhile this company is sending mail and attempting service on a relative 's address. Even though they are completely aware of where we live since they are collection on HOA fee 's attached to our address. May I also note that we have never lived or associated with the address they are sending mail to. After I reached out for a payment arrangement, they stated it was approved but I have to fill out their paperwork and email it back. This paperwork includes any possible private information you can think of ( SSN, Address, Employment, Bank Accounts ) demanding it be sent through an unsecure portal. Making our information vulnerable to leaking information that can be fraudulently used. Since I did not feel comfortable with this, I mailed paperwork along with post dated checks for the payment plan. They then stated I never paid or sent paperwork so I called them. I spoke with XXXX XXXX ( Collections Specialist ) I asked if she received paperwork and she said no. I asked her to please stop sending paperwork to addresses she clearly knows is not ours and she stated they have never sent anything anywhere but our home address. I requested all the paperwork she sent and she stated I needed to go to the courthouse to retrieve as she has sent it more than 3 times. I asked her where did she send it and she mentioned only to our home address as that is the only address ever on file. 

I then emailed her a copy of the letter that has a different address than our home address and asked if she found my payments. She said she was going to forward to her attorney for review. 

I made it aware to my HOA and this law firm that they are knowingly and willingly participating in abusive collection practices by contacting and disclosing private information to third parties in an attempt to abuse, humiliated, embarrass and deceive their authority. Not to mention the deliberate lying to their actions. Sending process servers to harass my daughter and accuse her of lying. 

It wasn't only after I sent proof to them that they were doing this did they attempt to forward to an attorney and I still have not heard if they have my mail with private information and payments. 

Very concerning.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to urgently notify you that I have been a victim of identity theft, which has led to multiple fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am demanding immediate action to correct this serious issue. 

ACCOUNTS [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX  XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] INQUIRIES [ XXXX XXXX XXXX XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] [ XXXX XX/XX/XXXX ] I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I now require the prompt removal of these fraudulent accounts and inquiries to restore the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. There were inquiries fraudulently made to my personal credit. Names of the companies and dates of them are listed below. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus immediately by having them remove these inquiries immediately off my credit! 

XXXX ) XXXX XXXX  - XX/XX/year> XXXX ) XXXX XXXX  - XX/XX/year> XXXX ) XXXX XXXX  - XX/XX/year> XXXX ) XXXX XXXX  - XX/XX/year>

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-10-21 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: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION O

F 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EAC
H BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
This company is not following the fair credit reporting act. I ask this company to attach the accurate information for the Bankruptcy on my this company keep saying it was verify. I never ask to verify that this information belong to me. CASE/REFERENCE XXXX my CASE/REFERENCE NUMBER is XXXX AND I BELIEVE THIS INFORMATION ISN'T ON THE CORRECT FILE. I simply ask to update and correct the information on my file that is being reporting inaccurately and nothing was done. Case number XXXX was giving to me and nothing was done. I am a XXXX  vet and I don't have a lot of money for a lawyer and I think this is wrong for this company to do this to people this is serving this country. I attached my name and social to show this discharge letter is not reporting accurately. I also showed how this company was reporting this after they sent me information saying they can't locate it but not this is was REMOVE and it's still being reported as verify i have proof this company is fraudulent.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. 

ACCOUNT : XXXX XXXX XXXX Account number : XXXX Amount : {$420.00} Account : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$23000.00} Account : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$21000.00} Account : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$28000.00} Inquiries : XXXXXXXX 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 2024-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Received the following inquiries on my credit report. 
All applications were denied as they believe they were fraudulent. 

XX/XX/XXXX - XXXX XXXX  application came from someone in XXXX, XXXX  XX/XX/XXXX - Capital One Bank application came from someone in XXXX, XXXX XX/XX/XXXX - XXXX XXXX  this creditor would not disclose where the application came from. Though I do have an application ID XXXX. 

XX/XX/XXXX - XXXX XXXX  Consolidated application came from someone in XXXX, XXXX  A police report was filed with XXXX XXXX  regarding the first three fraudulent applications.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have recently become aware that my sensitive data has been compromised in several breaches, leading to potential fraudulent activity. As a result, I have noticed several unauthorized inquiries on my credit report that I did not initiate or authorize. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies on my credit report. I kindly request that you investigate these inquiries and remove any that are found to be unauthorized. 

below I am attaching supporting documents of data breach information I have been notified about.

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 2024-10-21 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: IL

Complaint narrative:
I have recently become aware that my sensitive data has been compromised in several breaches, leading to potential fraudulent activity. As a result, I have noticed several unauthorized inquiries on my credit report that I did not initiate or authorize. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies on my credit report. I kindly request that you investigate these inquiries and remove any that are found to be unauthorized. 

below I am attaching supporting documents of data breach information I have been notified about.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
My venmo account was locked over a month ago, they refused to respond or do anything to help me withdrawal my funds. I have reached out multiple times. There is XXXX $ in there that I need access to.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/year> - {$340.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2024-10-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: MOHELA
State: TX

Complaint narrative:
I contacted XXXX  to request that the cosigner listed on my loan be removed. They denied my request stating that it was listed in my contract that the cosigner can not be removed. They then refused to show me a copy of said contract.

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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I contacted Ally financial and requested for an extension of my XXXX auto loan payment in the amount of {$1100.00}. I was eventually granted approval of the request on XX/XX/year> ( See attached letter ). I was told to make a minimum payment of {$670.00} within 10 days from XX/XX/XXXX ( the date the agreement was incepted ), and the remaining {$360.00} will be due on XX/XX/year>. On XX/XX/XXXX, I received a text that my payment for {$670.00} was past due which was only 6 days within the allowed 10 days as agreed to. I contacted their call center and there was a huge language barrier and I kept requesting for a manager and got no where. I then hurriedly made the payment to remain compliant to the agreement. On XX/XX/XXXX, my 3 credit reporting servicer notified me that I had received a late payment from a creditor. I logged in and noticed that Ally had reported my XXXX auto payment which was not due until the XXXX and which they had approved an extension on the XXXX of XXXX was 30 days late. I contacted Ally customer service on XX/XX/XXXX and once again experienced the same communication challenge. At this point I had satisficed the terms of the extension agreement including making the payment of {$360.00}. I was informed I could contact the credit reporting agencies directly which I did and only XXXX deleted the late. Both XXXX and XXXX have refused to delete the late from my record.

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 information incorrect
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
This was unauthorized/fraudulent use of my identity.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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