vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 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: FL

Complaint narrative:
I am a victim of Identity Theft all my Information has been Hacked.I Have different crisis where my XXXX was stolen and use to file a fraudulent Tax Return, XXXX XXXX, Identity, and Name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was XXXX  at XXXX and released XX/XX/23. It takes at 2 months to even get into a DPS station for an ID. I was given a XXXX ID which is accepted by the state of Texas everywhere,, except for Capital One. This afternoon I spoke with a woman name XXXX  Employee ID # XXXX, Call Reference No XXXX who stated that this form of ID is not " acceptable. '' I can not even change my telephone number or access my bank account These people are rude, harsh and unprofessional and obviously inhumane.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: TX

Complaint narrative:
I have disputed Account Name : XXXX Account Number : XXXX Sent certified mail to XXXX : XX/XX/XXXX XXXX second request ) Sent certified mail to Equifax : XX/XX/XXXX XXXX second request ) Sent certified mail to XXXX : XX/XX/XXXX Credit Bureaus, XXXX, Equifax XXXX and XXXX, all three stated that the accounts were properly investigated and verified the accounts and information as accurate but the information for the account is still inaccurate and was not verified as I did not get any proper paperwork to show that the account belonged to me at all. The date opened, the date last active and the date last reported are all inaccurate still as well as high credit. The payment history is incorrect and also not reporting correctly and XXXX and XXXX does not report any payment history at all and Equifax only reports good payment history with no late payments at all listed. How can this account be verified as accurate when nothing is accurate or reporting correctly or consistently? This is grounds for immediate removal and they have also violated my rights under 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. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
Ally Financial has violated my rights. they say multiple times they refuse to remove the inquiry on XXXX in regards to XXXX XXXX XXXX in XXXX XXXX XXXX I now have evidence to prove that they lied in their investigation and proves their willful noncompliance of federal law. I will submit evidence from XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aldridge Pite, LLP
State: GA

Complaint narrative:
THIS IS NOT A DUPLICATE! 


I AM WRITING IN REGARDS TO COMPLAINT XXXX FILED UNDER MY WIFE XXXX XXXX WITH THE CFPB . PLEASE NOTE THE REASON WHY I AM ILING THIS COMPLAINT UNDER MY NAME IS BECAUSE THE CFPB PORTAL WILL NOT ALLOW MY WIFE TO PROIVDE AN OVERVIEW OF THE DESCRIPTION OF THE COMPLIANT. THE BOX WHICH ALLOWS ME TO PROVIDE THEIS INFORMATION WITHIN HER PORTAL WILL NOT OPEN UP. IT ; S AS IF SOMEONE MAY BE TAMPERING PREVENTING HER FROM ENTERING THE COMPLAINT. 

WE ARE WRITING IN REGARDS TO ALDRIDGE ITE LLC. WHO WAS OBTAINED BY XXXX BANK TO FORECLOSE ON XXXX XXXX XXXX XXXX, XXXX GEORGIA. MY WIFE DID CONTACT AP ONTODAY REGARDING THE LETTER DATED XXXX WHICH WAS RECEIVED TODAY, HOWEVER WE RECEIVED A LETTER FROM AP DATED XXXX ON ABOUT XXXX. 

AN UPDATE WS PROVIDED TO BOTH ENTITIES, ALDRIDGE PITE LLP INFORMD ME TO CONTACT XXXX, BUT THEY ARE THE LEGAL COUNSEL FOR XXXX XXXX XXXX. XXXX CONTACTED XXXX XXXX XXXX AND PROVIDED AN OVERVIEW AGAIN AND THEY WERE ONLY CONCERNED WITH GETTING THEIR HANDS ON ALL OF THE INFORMATION SUBMITTED TO FEDERAL DEPARTMENTS. AGAIN, IT IS VERY OBVIOUS XXXX BANK IS ATTEMPTING TO STAY AHEAD OF THIS CASE AND COVER THIER LIES AS THEY NORMALLY ATTEMPT TO DO. 

I INFORMED XXXX AND XXXX XXXX  TO CONTACT THE US ATTORNEY GENERALS OFFICE IS THEY ARE IN NEED OF SUBMITTED DOCUMENTS. BOTH XXXX AND ALDRIDGE PITE XXXX MADE IT VERY CLEAR ALL DOCUMENTS NEEDED TO BE SENT TO THEM DIRECTLY, I INFORMED XXXX XXXX TO INFORM XXXX BANK TO MEET OUR DEMANDS BECAUSE IF WE GO TO COURT IT WILL NOT WORK TO THEIR BENEFIT. 

AM INDIVIDUAL NAME XXXX XXXX XXXX CONTACTED MY WIFE INQUIRING WHETHER OR NOT WE RECEIVED XXXX FROM A FORECLOSURE OF XXXX XXXX XXXX. XXXX GA XXXX. HE WAS INFROMED IT WAS NOT A FORCLOSURE THE HOME XXXX STOLEN BY THE US BRC TRUSTEE, WE ALREADY KNEW WHAT WAS TAKEN PLACE VIA THIS INDIVIUDALS CONTACT. ALDRIGE PITE WAS REPRESENTING XXXX MORTGAGE AND XXXX FOR XXXX XXXX WALK NAD LIED AND STATED IT WAS ABANDOND, WE ARE DISPUTING THE LOAN, MONEY AND ALL. EVERY KNOWS THIS IS FRAUD. SEE ATTACHED DOCUMENTS AND THE SICK RELATIONSHIPS. STRAIGHT RETIALTION BASED ON PREVIOUS REPORTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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:
n accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account # 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: OH

Complaint narrative:
I don't know what happened, but one thing is for sure : this inquiry is not authorized by me and was done by that creditor without my consent! You must remove this as soon as possible.

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 2023-04-25 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX fl, XXXX, XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX, fl XXXX, Accounts, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

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 2023-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In accordance with the Fair Reporting Act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681 1. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX Account # XXXX 15 U.S.C 1681 section 602A. 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 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 non-monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated
State: IL

Complaint narrative:
I am Im making this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to XXXX USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: GA

Complaint narrative:
Please see the documents that I've attached for further information regarding what happened.

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 2023-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: NM

Complaint narrative:
Today, XX/XX/XXXX, I received a letter from Wakefield and Associates, a debt collector located at XXXX XXXX XXXX, XXXX, TN XXXX. They are claiming to be collecting a debt associated with a company named : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX I found the address of XXXX XXXX XXXX, XXXX through an online search. 

I have never heard of XXXX XXXX XXXX, XXXX, have not ever done business with XXXX XXXX XXXX, XXXX and have not been in XXXX XXXX, CO. 

The " billing statement '' with a Reference # of XXXX, has the following line items : As of XX/XX/XXXX, you owed : {$1400.00} You were charged this amount in interest : {$0.00} You were charged this amount in fees : {$0.00} You paid or were credited this amount toward debt : {$1300.00} Total amount of the debit now : {$100.00} I have not paid anything to this company ever and the credit/payment totaling {$1300.00} is interesting. 

Through my XXXX membership, I have reported this to the Federal Trade Commission. I have also reported this to the XXXX XXXX XXXX. 

Is there anything that you and your department can do to eliminate this fraudulent bill/debt? 

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: MS

Complaint narrative:
on XX/XX/2022 XXXX XXXX ran my credit without an application on Equifax. I filled out no application for credit. if they claim I did they are lying and the must provide the application not just SAY I DID. I will submit evidence from the dealership in question and other banks. if the cfpb allows them to refuse to remove the inquiry without evidence I will go to the attorney generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Circumstances led me to take advantage of Citi.com 's balance transfer promotions with the Citi Black Diamond card in XXXX and early XXXX. Three ( from XXXX ) were 0 % promotions, and one ( XXXX XXXX ) was a 1.99 % promotion. 
Of the four different promotion expiration dates, one was XXXX and another was XXXX, I paid {$1600.00} on XX/XX/XXXX to take care of the XXXX balance ( {$460.00} ) and part of the XXXX balance ( {$6200.00} ). 

I expected that the {$460.00} would be indicated as paid, and the {$6200.00} balance would be down to just over {$5000.00}, and my intention was to pay that off yesteray. 

When speaking with a Citi Rep for a very long time I learned : -The {$1600.00} XXXX paid DID NOT GO TOWARDS the {$6200.00} balance NOR DID IT PAY OFF THE {$460.00} balance. 
-The {$1600.00} went towards PART OF the balance due XXXX, and PART of the {$460.00}. 
XXXX was stunned and confused, and the rep said " that is the way it works '' in other words, they arbitrarily decide which individual " loan '' will be paid off so that the consumer will be forced to pay penalties ( I now owe a penalty for not paying the full {$460.00} amount on XX/XX/XXXX, EVEN THOUGH I PAID ON TIME and I was not told specifically what that penalty will be. 
-This is truly astounding. 
XXXX unexpectedly have to pay off ALL of the debt NOW or face major penalties on the larger {$6200.00} balance and will still be paying a penalty for the partial XXXX payment, when I was planning on paying MOST OF IT yesterday, and the remaining balance before XX/XX/XXXX when it was due. 
XXXX has added {$2500.00} to what I need to pay now and I will STILL BE CHARGED A PENALTY for not paying on time. 
XXXX asked the rep if they could take the {$1600.00} XXXX paid and allocate it towards the {$460.00} and the {$6200.00} balances and he was gone a very long time and said " no '' and frankly the tone was as if I was a criminal. 
-I have made every payment on time, have an excellent credit store and this was, again, stunning. 

Does this make sense? Is this legal? I just wonder if others have had this kind of " Twilight Zone '' experience. I really do not want them to be able to slide by with this kind of treatment.

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 2023-04-25 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents 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 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, On XX/XX/XXXX XXXX, my wife and I used a Bank of America ATM XXXX XXXX ) located at XXXX XXXX XXXX XXXX, CA and made a cash deposit of {$7000.00}. The ATM only recognized {$300.00} and ate the rest of the money. We were told to file a claim and it can take up to 45 business days for the final resolution. We were in the process of selling our car. The buyer gave me {$7000.00}. We were hoping that the ATM would process the bill before we can close the deal with the buyer. Because of this issue, we are now in a very awkward position. The buyer is pressing us to sign the title to complete the transaction. Meanwhile, we dont have the money in our pocket. We dont want to proceed until we get the final confirmation ( not a temporary credit ) that the $ XXXX is secured. 

By any chance, will you be able to help escalate the issue such that we can get the issue resolved by BofA asap? Waiting for 45 business days is too much for us. Your help is very much appreciated! 

Thanks, 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 monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I bought a new XXXX  XXXX XXXX XXXX - VIN # XXXX in XXXX of XXXX  and the lender XXXX referred me to finance the car was BMO Harris Bank. I wasn't happy with the interest rate, so I refinanced the loan with XXXX XXXX XXXX. 

XXXX sent a check to payoff the loan on XX/XX/XXXX  and the loan was paid in full. Since then, BMO Harris Bank has refused to send me the original title and also have refused to send me the original lien release. 

XXXX XXXX XXXX is now asking me why their name is not listed on the vehicle registration. I have tried on multiple occasions to call BMO Harris Bank and they have refused to help me with my requests. 

I also talked with XXXX XXXX XXXX and they said that it is my responsibility to get this corrected but I have no control over BMO Harris or their business practices. 

XXXX XXXX  has threatened to raise my interest rates and/or take further legal action against me if they do not have their name listed as an additional interest as a lienholder on the vehicles registration. 

I can really use some help in obtaining assistance in order to obtain original copies of my title and an original lien release from BMO Harris 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 2023-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: WA

Complaint narrative:
I started receiving invoices from XXXX in XXXX at random, since Ive never created an account with them and shipments were being sent to places Ive never been to. Clearly, someone used my name and address to create an account. At first, XXXX would remove charges and say that the account would be closed, but that never occurred. I received a letter in the mail from The Receivable Management Services, a debt collector, asking for {$330.00} from 5 transactions on the account on XX/XX/25

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 2023-04-25 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: NC

Complaint narrative:
I recently tried to purchase a home on XX/XX/23. Before I had the agent run my credit report I noticed that I have a lot of unauthorized hard Inquiries on my report that are damaging my credit. According to 15 U.S.C 1681 law there should not be any damages on my credit. That is a defamation to my character.

Company response to consumer: Closed with explanation