vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Seven fraudulent accounts unauthorized identity theft : all state credit bureau opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX XXXX opened XX/XX/XXXX balance XXXXXXXX XXXX XXXX  opened XX/XX/XXXX balance XXXX $ XXXX XXXX opened XX/XX/XXXX XXXX $ XXXX  XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX opened XX/XX/XXXX balance {$2200.00} XXXX XXXX opened XX/XX/XXXX balance {$1100.00} Fraudulent address connected to fraud : XXXX XXXX XXXX XXXX XXXX XXXXXXXX mi XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: MI

Complaint narrative:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Seven fraudulent accounts unauthorized identity theft : all state credit bureau opened XX/XX/XXXX balance XXXXXXXX XXXX XXXX  XXXX XXXX XXXX opened XX/XX/XXXX balance XXXXXXXX XXXX XXXX  opened XX/XX/XXXX balance XXXXXXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX  XXXX XXXX opened XX/XX/XXXX balance XXXXXXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX balance {$2200.00} XXXX XXXX opened XX/XX/XXXX balance {$1100.00} Fraudulent address connected to fraud : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX mi XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
I sold my XXXX Toyota XXXX in XXXX of XXXX. The vehicle was paid off and I collected positive equity in the vehicle from the purchaser. I received a statement in my mail 3 weeks after the truck was sold. This statement was from Toyota Financial Services, saying the account was satisfied and the vehicle loan was paid off and my account was finalized. On XX/XX/XXXX  an automatic payment was taken from my account without my permission. When I called Toyota Financial Services the representative informed me the automatic payments on my account have been turned back on and there would be another payment processed in XXXX. The representative had no authority to stop the automatic payments. So I spoke with his manager and she didnt have the authority either. So I spoke with her manager and she didnt have the authority as well. Their solution to me was to go into the Toyota Financial Services phone app and stop the payments through the app on the phone. However because the truck is paid off and the account has been satisfied I have a restricted account and certain features are removed. I have no ability to stop these future automatic payments through the app. I informed the representative who then told me through the app I should remove my banking information. When I went into the app to remove my banking information the message this is a restricted account you dont have the following permissions is shown. So I cant remove my banking information. So I had to request a refund from Toyota Financial Services and call my own bank to order a stop payment from Toyota Financial Services. However it has been a week and I still dont have the money that was wrongfully taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: PA

Complaint narrative:
15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been 30 days and they are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATLEY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: TX

Complaint narrative:
Please refer all my complaints about Keybank. My online access is not working and it has been complained in the past. But now Keybank sent me a new letter. 
It seems in this bank - nobody talks to anybody and nobody is aware what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: LA

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Order # XXXX I purchased a 2 piece suit from Macy 's online on XX/XX/XXXX  for {$110.00}. Upon receipt, I discovered that the company only sent a jacket and no pants. I contacted Macy 's and informed them. They stated that they would send a replacement and also send a separate return label to return the original item. I waited for several weeks and to date I have not received the label or the replacement. On XX/XX/, I visited a Macy 's store to return other items. On that day, Macy 's Online indicated to me and the store clerk that they processed the return under Order  # XXXX and that I should leave the item at the store. The store processed what they called a XXXX return, which means that they took the merchandise but did not issue a credit since the Macy 's Online representative confirmed that he processed the return and that I would receive the {$110.00} in two business days. As of XX/XX/XXXX, I had not received the refund and I returned to the store. Three store clerks spoke to Macy 's online representatives in an effort to assist me in getting the refund. A Macy 's store clerk listened and confirmed that they processed the refund and even provided me with a confirmation number # XXXX. On XX/XX/, I called Macy 's Online to see why the refund has not been issued. The Macy 's Online clerk indicated that my refund was not processed and she does not why. I paid for merchandise that I never received in full and I returned the partially received merchandise without being fully refunded for returning the merchandise in which Macy 's accepted.

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 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30 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: IL

Complaint narrative:
I strongly request that you act quickly to eliminate the unauthorized inquiries from my credit report. They are causing significant distress and I have supplied the necessary documentation for verification. Please expedite your investigation into 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 explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: FL

Complaint narrative:
The original problem began on XXXX when I tried to submit my payment the company decline my payment multiple times and told me it was my bank I called my bank and they said it was them I tried to make the payment again with ach info and the payment finally went through later on XXXX The company sent me and adverse notice after having my account open for about two years & stated they closed my account because they could not verify my identity. Ive alway kept my information up to date and they havent requested any information from me. I reach out to them then they changed the department to the fraud department claiming Ive committed fraud theres no one I speak To in reference to this and Im concerned my information may be at risk because Ive never done anything fraudulent in the account all payments are under my information with funds that clear. in the email response they state the decision is final which will ruin my credit score having the acct history removed ( for I made all my payments on time under the the account ) i feel this is unfair and if theres something going on with my Personal information I should have the right to know since its going to impact my personal credit. I would like my account back open with no damages done to my credit profile in reference to this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT WORLD SERVICES, INC.
State: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act Credit World Services 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 also states a consumer reporting agency can not furnish an account without my written instructions.

This debt collection does not match on all credit reporting bureaus. XXXX has reported it and XXXX has not, proving invalid and inconsistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
We were trying to deposit checks to via mobile app on XX/XX/XXXX to Chase bank but we weren't allowed to. We called Chase on XX/XX/XXXX and they said it is because they are closing my business account. The only reason they provided was " fraud ''. I tried to take out money in a branch on XX/XX/XXXX to start a new account somewhere else but they said they could not give me any of my funds. I had {$14000.00} in available cash in the account and asked for {$9000.00} but they refused to give me any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: IL

Complaint narrative:
I do not own these debts and have have submitted an identity theft claim Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan # XXXX I am sending this information regarding my escrow account, proof of XXXX? its I have made and inquiring where the funds went or why the figures are not adding up. 
When I closed on my loan, I paid 3 months on my escrow in advanced {$1600.00} ( Page 1 ) XXXX, XXXX and XXXX I also had escrow coming out of my mortgage payments in the amount of {$1100.00} ( Pages 2,3,4 ) So far, we are at a total of {$2700.00} I was approved in early XXXX for a loan modification ( Page 5 ) You see where {$3600.00} included in the loan for my escrow. I called and verified that this figure was included in my loan payment Now we are at {$6400.00} On XX/XX/XXXX a payment of {$5800.00} was received my CMG Mortgage ( XXXX ) {$3600.00} was put into my Escrow and {$2200.00} " '' '.as also put into my escrow account. ( Pages 7-8 ) Now we are at {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
All three reports- Equifax, XXXX, and XXXX- show a hard inquiry from XXXX XXXX on XX/XX/2023 for a credit card which I did not apply for. The XXXX report also shows a hard inquiry on the same date for XXXX XXXX XXXX. I have frozen my credit with all three bureaus and filed disputes with all three bureaus. I mailed a letter to XXXX XXXX, and I tried calling XXXX, but they were not very helpful. I am hoping to both prevent any additional fraudulent inquiries / account openings as well as have the fraudulent inquiries removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: MO

Complaint narrative:
All three reports- XXXX, XXXX, and Experian- show a hard inquiry from XXXX XXXX on XX/XX/2023 for a credit card which I did not apply for. The Experian report also shows a hard inquiry on the same date for XXXX XXXX XXXX. I have frozen my credit with all three bureaus and filed disputes with all three bureaus. I mailed a letter to XXXX XXXX, and I tried calling XXXX, but they were not very helpful. I am hoping to both prevent any additional fraudulent inquiries / account openings as well as have the fraudulent inquiries removed from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: AZ

Complaint narrative:
I asked this company for information that I was entitled to by law and they were very rude and said that they could not release that information and was very rude during our recording phone call. I also asked for proof of ownership and this company could not produce any so this needs to be off my credit report because this fraudulent information is causing me harm to my consumer report. We have the phone call recorded that we have obtained a lawyer and intend to sue this company as well. The unprofessional manner and the unfair tactic they are using needs to be looked at asap.

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 2023-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See attached documents, the personal information you are reporting are not mine.

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 2023-10-30 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: United PanAm Financial Corp.
State: OH

Complaint narrative:
In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30 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: WI

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

XXXX XXXX XXXX # XXXX XXXX  - XXXX XXXX # XXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 Section 602 : A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 Section 2 : 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 the 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 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