vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-23 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:
My credit file has incorrect information being reported to it by XXXX XXXX, a credit card was opened without my knowledge and without my authorization. the account associated with my name without my knowledge or authorization was reported over the credit limit on the XXXX day of XXXX XXXX, causing my credit to decrease. The account was also closed. This company has no proof of any authorization from me to open this account, they just have information that other companies have that someone used to conduct fraudulent activity against me. They are causing me emotional and financial distress. The fact that I was on XXXX XXXX XXXX stationed in XXXX when this account was opened should prove my innocence, I can't open a stateside account in another country.

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 2023-09-23 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:
My credit file has incorrect information being reported to it by XXXX XXXX, a credit card was opened without my knowledge and without my authorization. the account associated with my name without my knowledge or authorization was reported over the credit limit on the XXXX day of XXXX XXXX, causing my credit to decrease. The account was also closed. This company has no proof of any authorization from me to open this account, they just have information that other companies have that someone used to conduct fraudulent activity against me. They are causing me emotional and financial distress. The fact that I was on XXXX XXXX XXXX stationed in XXXX when this account was opened should prove my innocence, I can't open a stateside account in another country.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm here today to talk about my recent experience with a XXXX dealership. In XX/XX/2023, I went to a XXXX dealership to lease a car in my own name. The dealer asked me if my credit was good enough and I showed him my bank 's credit score report. He said that I would definitely be approved for a lease in my company 's, due to my high XXXX credit score. 
Unfortunately, a few months later, I noticed that the dealership had made a couple of hard inquiries on my credit report without my consent. This was completely unnecessary, as I had already shown them my credit report from my bank. It's important to be aware of any hard inquiries that have been made without your authorization. 
and it was done on two different dates ( see attachments )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
complaint # XXXX. This issue wasn't resolved. I would like my date of birth to be updated and previous addresses to be removed.

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 2023-09-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
We had 3 savings/investment account that were subject to fraud. On XX/XX/XXXX and XX/XX/2023, someone withdrew around {$5000.00} from our savings accounts, closed our CD account with around {$10000.00} attempting to withdraw those funds as well, and we had an additional investment account with {$5000.00} in bonds. 

We reported the {$5000.00} funneled out of our account, and theyre currently investigating. The account was flagged for fraud before they were able to withdraw the {$10000.00} from the CD account however, the investment account with {$5000.00} the Bank ( Goldman Sachs ) says theyre not seeing it. We have attempted 5 different days, multiple calls, and they say theyre not seeing this account. 

In addition to this, we reported that {$6400.00} was transferred from our main checking account to a Goldman Sachs account under my name however, theyre not seeing those {$6400.00} as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX in XXXX of XXXX  with a cashiers check from my bank Chase. After six days with the vehicle it started having issues so I promptly returned it. I was mailed a cashiers check from XXXX in the exact amount I put down on the vehicle and deposited it into my Chase checking account.

About two weeks later I went to Chase to make a cash withdraw and my card was not working so I schedule a meeting with a banker and was told that my account was closed for fraud. I asked multiple times why and what I could do and this bank had no answer. I proceeded to travel to at least five different Chase banks over the next two weeks, and received a different response each time. One bank said it was fraud and could not tell me anything else, one bank said it was because I needed a letter from my employer, but most of them did not tell me anything. I eventually walked into a Chase Bank in XXXX and decided to cause a scene, because at that point I was told so many different things and had not had access to my only bank account for almost two months. I only survived because my work provided me with meals and I borrowed money from a friend to put gas in my car. As usual the banker said they could not do anything and my account was closed for fraud, I started yelling and cursing at him and the bank manager came over. I pleaded my case to him through tears and he sat down and said he would spend the day getting this figured out with me. After about two hours of deliberation between his corporate office and XXXX, I got my bank account and my money back. At one point Chase 's corporate office stated that I would have to bring an employee from the dealership to their bank to verify my story. I was not able to pay any bills during this two month period and my credit score dropped XXXX points to the XXXX. I have not been able to get a car loan, persona loan, or even move since then. I have had to rely on making cash payments for everything. I deserve to have my credit score brought back to where it was before Chase ruined my life. When I entered the Chase Bank in XXXX I had planned to take my life if I was told the same thing again. For the first time in my life I had over {$10000.00} in my bank account and Chase decided to ruin me. I have called Chase 's corporate office about this dozens of times since then and they simply do no nothing. I had tried contacting lawyers but nobody wants to go against Chase. It just occurred to me this morning to trying contact government agencies. I will be sending this same message to the Federal Trade Commission and the Office of the Comptroller of the Currency. 
Thank you for taking the time to read my story.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Accounts for XXXX  are reported incorrectly on my credit report DEPT OF ED/AIDVANTAGE XXXX XXXX XXXX Account XXXX XXXX {$1600.00} XXXX {$39000.00} XXXX {$1700.00} XXXX {$2700.00} XXXX {$1300.00}

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Accounts for XXXX  are reported incorrectly on my credit report DEPT OF ED/XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX {$1600.00} XXXX {$39000.00} XXXX {$1700.00} XXXX {$2700.00} XXXX {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
Due to the COVID-19 pandemic I was left in a financial crisis. The apartment complex I was living in started harassing me, doing routine checks of my place and unfairly fining me for things that were untrue. There were some fire hazards that were not taken care of the day I moved in and I was going to take them to court over it. The problem is that I was unable to pay rent for a couple of months and they were going to evict me and take me to court for the money. The place was rat infested with huge holes all over the apartment. It was literally uninhabitable, I ended up abandoning the apartment and leave my things behind to start a new life in XXXX. After a year I noticed a collection on my credit report with their information about the debt I owed to them. I never received a collection letter and I am at a loss now, since it's on my credit report. The exact date and amount reported on my credit file is XX/XX/2022 for the total amount of 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 2023-09-23 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: NY

Complaint narrative:
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. XXXX XXXX XXXX Account Number : 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 2023-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
In XX/XX/XXXX I paid off and closed my credit card account with Bank of America in order to avoid the annual fee. A week later, when I went in to get historical information, I discovered my online banking account had been completely XXXX because I no longer had any active accounts. In order to get it reinstated I opened a checking account through my husband, only to discover once I logged in that my closed credit card, and all of my transaction history and statements no longer existed. I contacted Bank of America on XX/XX/XXXX in order to ask for them to send me electronic copies of my transaction history or statements, and they told me this was no longer possible ( despite being required by law to keep this information for years after the account is closed ), and that they would only provide it on paper via mail or in a branch ( the closest of which is 2 hours from me ). Given that they are required to still have this information stored in their electronic database, completely hiding the account immediately from me and refusing to provide the information they are legally required to provide in any format other than paper feels deliberately difficult and as though they are punishing me for closing an account with them.

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 2023-09-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
This will acknowledge your notice of rejection for estoppel for payment due to Abscene of lawful money received on XX/XX/2023 ..... I am now requesting this Company Professional Finance to provide proof without a reasonable doubt that my estoppel doesn't pose a threat to our agreement. When you are making me perform an impossibly and if I don't, you will try legal actions against me, how does me the applicant making you aware of these conflicting laws, not have anything to do with our relationship when it's the basis of the relationship. Now I am asking you to prove otherwise. I have also sent this to all parties involved... We are waiting on your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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: CA

Complaint narrative:
I am being ignored regarding fraudulent applications done in my name without my knowledge and consent. I am unable to get approved for a much needed credit card because of this.

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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I placed a freeze request with all three credit reporting agencies because of fraud more than 5 years ago. I lifted a freeze in recent history-once in XXXX and XX/XX/2023. Transunion did not replace the freeze in XXXX and did not warn me. The customer can make a mistake following prompts and be unaware. You do not receive live assistance if an error is detected. Transunion needs to improve its telephonic communication system drastically.

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 2023-09-23 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: AR

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices 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 non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX, and I received several emails on XX/XX/XXXX & XXXX regarding this Destiny Mastercard & XXXX XXXX XXXX  that on they ran my credit without a written authorization by me this is Identity FRAUD I did not solicited nor requested this service by this company my personal information have been stolen. I have attached below proof that my name and address was used in several ways in attempt to acquire the credit. I demand a proof of a wet signature of my behalf that this was in-fact solicited if the company can not provide my written signature, I am requesting that the hard inquiries produced by this company be removed immediately from my credit report and all three major Credit Bureau XXXX XXXX XXXX & XXXX XXXX Due to this fraud, I requested a Police Report for the Identity Fraud Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I have tried several times to sign on to MOHELAs website. The website will not acknowledge my identity and can not resolve the issue. They have manipulated their website and call center in such a manner that it makes it impossible to sign on to repay your loan. They throw a ton of roadblocks in the way to keep you from registering. 

A quick ask on XXXX showed that many people are have the same problem. It was suggested that Mohela did not bother preparing for repayment or they are fishing for late fees. Either way they refuse to resolve the issue. You can not get a person on their customer service line and they claim the account is lock with no way of unlocking it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Finance System of Green Bay, Inc.
State: WA

Complaint narrative:
Finance System of Green Bay, WI has opened a derogatory remark against my credit for the amount of {$530.00}.

I have reached out via phone and email over a dozen times since the beginning of 2023. In any attempt to communicate I have not been contacted. I've left voicemails. I've have emailed multiple addresses. I've gone to their website. I've provided multiple ways for them to contact me. My patience is gone.

I am looking to dispute the debt and/or settle for an amount. The company has made this impossible to do. If that is the case I request the remark be removed from my credit report.

The fact I've been shafted for the past 9+ months in resolution is costing me time and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm here today to talk about my recent experience with a XXXX XXXX. In XX/XX/2023, I went to a XXXX XXXX  to lease a car in my own name. The dealer asked me if my credit was good enough and I showed him my bank 's credit score report. He said that I would definitely be approved for a lease in my company 's, due to my high XXXX credit score. 
Unfortunately, a few months later, I noticed that the dealership had made a couple of hard inquiries on my credit report without my consent. This was completely unnecessary, as I had already shown them my credit report from my bank. It's important to be aware of any hard inquiries that have been made without your authorization.

and it was done on two different dates ( see attachments )

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 2023-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
A request for AWA Collection to validate the debt they are trying to collect from me was requested in XXXX of XXXX. I also requested copies of a signed contract i have with AWA Collection that would create a contract with them giving them authority to report through the company AWA Collection on my credit report. They did not validate or respond to my request in writing or via email or any other form of correspondence. 
This is a violation of 15 USC 1692g and the FCRA provides remedy for that violation in 15 U.S code 1681n ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

Account in question : Account name : AWA Collect Account number : XXXX Account type : Collections Date opened : XX/XX/XXXX Status : Collections Account Date Last Reported : XX/XX/XXXX Balance : {$500.00} After I disputed this account with AWA they have continued to harass me by increasing the account {$1.00} ever month and reporting that increase to the credit reporting agencies. This is a violation of 15 U.S code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

Company response to consumer: Closed with explanation