vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 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: WI

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

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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma, LLC
State: IL

Complaint narrative:
On XX/XX/2022 i contacted Credit Karma customer service via email through the means provided on the platform to close the account that was opened under false pretenses. I have also had some other issues with the service, including a false credit score issue that has wasted my time. The account is still open as of today XX/XX/2022, I called customer service and spoke to " XXXX '' but she could not help. Please help me resolve, and inform would be customers of their products and services of the communication issues as well as incorrect data provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX SOLUTIONS 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 2022-04-19 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: Park Hill Holdings
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX ( XXXX  ) XXXX XXXX XXXX CORE LOGIC XXXX SAFERENT SOLUTIONS 1

5 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 2022-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
On XX/XX/2022, a credit inquiry was made to Bank of America for an XXXX  XXXX XXXX XXXX credit card. I did not apply for the card. Whoever did apply had my personal information, including correct Social Security Number, addresses, birthdate, etc. Bank of America did not approve the application, flagged it as suspicious, and sent me a letter notifying me. I called them to confirm it was fraudulent. They suggested I also call XXXX and XXXX. The inquiry did not show up with XXXX but did with XXXX. XXXX will remove the inquiry and told me to report the application to the police or FTC. 

I am of course concerned for my credit but much more concerned about this sensitive data being " out there '' and I will pursue actions to prevent it from being used, including placing fraud alerts with my banks and credit bureaus and am considering placing credit freezes. This is very annoying, and I hope FTC can help prevent further issues. 

Thank you for your time and efforts.

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 2022-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/2022, I received a bill from Ally Auto Financial stating that I owe {$630.00}. When I receive a bill I normally remit the coupon and send it back but also when I look at my contract I notice there's no relationship between me and Ally. The contract is between XXXX and Ally. After I remit the bill and send it back to Ally the refused to accept the remittance coupon unless they are made in certified funds such as a cashier 's check, money order or payment through a third party such as XXXX XXXX or money gram. I sent a Conditional Acceptance stating the laws on what are certified funds according to XXXX XXXX. They restricted my account & marked it as fraud. According to the laws when they refuse the remittance coupon that is considered a discharge to the extent of the mount of the tender of the obligation. I received notice on my Credit Report that there are 2 late payments. Which I never gave them permission to report my information.

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 2022-04-19 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: NJ

Complaint narrative:
ONLY NAME THAT SHOULD APPEAR : XXXX XXXX Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Incorrect information : Most Recent Employer Employer Name XXXX XXXX XXXX Previous Employer Employer Name XXXX XXXX XXXXIn addition : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX *** duplicate inquiries : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights XXXX15 U.S. Code 1681s602a-Section 1- I have the right to privacy -15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission

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 2022-04-19 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: VA

Complaint narrative:
Transunion Credit Bureau ( file # XXXX ) is reporting an inquiry with XXXX which is fraudulent. Date of inquiry was XXXX XX/XX/2021 for XXXX  located XXXX XXXX XXXX XXXX, XXXX, Ga XXXX ( XXXX. I had placed both an identity theft and fraud alert with all three credit bureaus but yet somehow someone was still able to apply for a credit card with XXXX 

I am requesting assistance from FTC to help me get this fraudulent inquiry resolved and removed from my credit report as it relates to Transunion Credit Bureau ( only ). They are the only credit bureau agency that is reporting this inquiry.

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 2022-04-19 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 a 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 2022-04-19 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 Medical Subject  has not satisfied debt. XXXX -Untitled { Medical Subject  has not satisfied debt. XXXX -Untitled { Medical Subject  has not satisfied debt. XXXX -Untitled { Medical Subject has not satisfied debt. XXXX -Untitled { Medical Subject has not satisfied debt. XXXX -Untitled { Medical Subject has not satisfied debt. XXXX** 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 non-monetary relief
Consumer complaint received 2022-04-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { XXXX XXXX  has not satisfied debt. XXXX -Untitled { XXXX XXXX has not satisfied debt. XXXX -Untitled { XXXX XXXX has not satisfied debt. XXXX -Untitled { XXXX XXXX  has not satisfied debt. XXXX -Untitled { XXXX XXXX  has not satisfied debt. XXXX -Untitled { XXXX XXXX has not satisfied debt. XXXX** 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 2022-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
At XXXX a.m. on XX/XX/2021, my attempted {$490.00} purchase ( trying to load a reloadable Incomm product : XXXX Serve ) with my {$490.00} XXXX XXXX XXXX  card ( another Incomm product ) ending in XXXX, at XXXX XXXX in XXXX XXXX, XXXX, didnt process correctly after my card swipe, and the transaction was voided. To receive my refund the store manager, XXXX XXXX, told me to contact her after she had looked into it and consulted with another manager. In our subsequent conversation XXXX XXXX told me the transaction had been voided by XXXX XXXX, the store did not have a {$490.00} surplus from the aborted transaction, and the {$490.00} should be back on my ( XXXX ) prepaid XXXX card in several business days. 

Because the funds hadnt been credited back to my prepaid card, on XXXX XXXX, XXXX, I submitted a dispute form provided by Incomm Inc., so the {$490.00} taken from my XXXX XXXX XXXX  card can be refunded. ( I had been out of town for nearly a month, delaying my attention to this ). Incomm states disputes are resolved within 90 days, but after 90 days I hadn't received my money or a status update. I emailed twice in late XXXX to follow up ( see : attachments ) but didn't receive a reply from Incomm either time. I am eager to receive my {$490.00} back to be made whole again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  acct # XXXX 30 day late payment, XXXX XXXX acct # XXXX 60 day late payment, XXXX XXXX acct # XXXX, XXXX XXXX acct # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  acct # XXXX 30 day late payment, XXXX XXXX acct # XXXX 60 day late payment, XXXX XXXX acct # XXXX, XXXX XXXX acct # 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 non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute with Experian on XX/XX/XXXX when I noticed my Experian score decreased a whopping ( XXXX points ) for no apparent reason and without explanation. 

On XX/XX/XXXX I paid off an account, paid as agreed, {$0.00} balance. Never late, no late payments or derogatory. I filed a dispute and they updated balance and status to show paid/closed and I spoke with an agent ( XXXX ) XXXX XX/XX/XXXX. 

XXXX was unable to give any explanation for the huge drop in my score. This is an unacceptable business practice and a violation of the FCRA, unfair business practice and violation of my rights. 

I want my score restored back to XXXX where it was prior to closed account. 

Take note that paying off the account had no impact to my XXXX and XXXX scores. It actually increased 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 2022-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX {$4500.00} XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$1800.00} XXXX  XXXX XX/XX/XXXX {$690.00} XXXX XXXXL XXXX XX/XX/XXXX {$2100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I filed an SEC complaint against ALLY Invest about a week ago due to refusing to sell investments in a timely manner. Then on XX/XX/22, I tired to withdraw the money from my Ally Bank account only to find it blocked. I called Ally Bank to find out why. They would not say. Instead Ally Bank directed me to their fraud department. I was made to verity myself and then placed on hold. The fraud department came back and said they did not believe I was the owner of the bank account. 

I was mad. All my savings is with Ally. If my account stays closed, how will I pay my bills? My paycheck goes to ALLY Bank. I can't get any money out an ATM because my account is locked. I would need to send in more information about myself before my account would be opened again. I sent information on XX/XX/22. I called today on XX/XX/22 and ask for the status of the account closure. Ally fraud department still will not say anything. I was told there is no set end time for the fraud investigation. 

I am not understanding any of this. How can a bank just take a person money without warring? I have bills to pay. There has been no fraud on my account in the XXXX years I have held this account. No one at ALLY Bank has ever asked for more information about my ID. 

Can someone help me? If this does not get resolved soon, I will have to sell something to pay my bills.

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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved 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