vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 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: OH

Complaint narrative:
XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX - Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX 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 n accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-03-21 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: OH

Complaint narrative:
XXXX XXXX XXXX Account number XXXX XXXX XXXX, XXXX Account XXXX - Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX 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 n accordance with the Fair Credit Reporting act 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 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On XX/XX/2022, I was told by a lender that they were unable to pull my Equifax credit report. I then attempted to use Equifax 's online portal to check on this issue. Their website told me that their was an issue and gave error code NH, presumably no hit or no history. I then called the customer service line for Equifax, and after reaching a customer service agent, they told me that they had no history for the information I gave them. They also told me the next step was to send in material to verify my identity. Later on XX/XX/XXXX, I called several of my lenders, and confirmed with them that reports had been sent to Equifax monthly since the accounts were opened, going back more than 3 years in some cases. On XX/XX/XXXX I faxed my driver 's license, W2, and social security card along with a cover letter stating the purpose of doing so to Equifax. I again called Equifax at their customer service line, and this time was told that a name other than my own was associated with my SSN. I have called several other times since then to see if my fax had been received, and have been told everytime, including today XX/XX/XXXX, that the information had not been received or processed. With it being 14 days from when I first brought this issue to Equifax, they have been either unable or unwilling to find my credit history within their system, that I have verified with creditors has been sent to them with correct information and spelling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: OH

Complaint narrative:
XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account NumberXXXX - Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX 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 n accordance with the Fair Credit Reporting act 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 2022-03-21 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: CITIBANK, N.A.
State: WA

Complaint narrative:
XX/XX/2022 opened costco citi bank visa credit card Starting that day I received multiple calls each day from a company called credit national assist about an online request for financial help over the next 2 weeks XX/XX/2022 my identity was compromised and an account opened in my name with 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 2022-03-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since XX/XX/XXXX, I moved outside the XXXX for work related reason. During all this years I was living in XXXX until XXXX. During this time I came to US for leasure for a week or two and then returned to XXXX. During this time I had a mailing address and during the COVID days, since the restrictions came into effect for traveling I was unable to go to USA and my last time here in XXXX was XXXX and I returned back to US last XXXX. During this time I stayed in XXXX and never requested any loan or financing for any company or lender. So, in XXXX last year I received unwanted letters from two Collectors company : one XXXX XXXX XXXX, representing XXXX XXXX XXXX XXXX n. for the amount US {$4900.00}. On XXXX XX/XX/XXXX I sent a letter to XXXX claiming the account is not mine and Im being a victim of fraud/crime and they still claim the account is mine. I never borrow any money or did any business with them on the amount above. I requested documentation and also the contract with my signature and they never sent to me. 
The other company XXXX XXXX XXXX is the second company claiming that I owe them, and they are representing XXXX XXXX. XXXX XXXX XXXX aka XXXX XXXX both of those companies are credit card services with XXXX. The amount they think that I owe them is XXXX {$4100.00} and also I sent a letter to this company last XXXX. I requested documentation and also the contract with my signature and they never sent to me. 
I have to say that during this time I couldnt access my credit report from outside of USA because the companies ( XXXX, experian, and XXXX XXXX ) they have restricted/prohibited to access their websites from outside of US. 
All I have to say that I never BORROW OR FINANCED anything in the past 10 years and Im being a victim of Fraud/Scam from whoever used my ID without my consent. 
I requested the 3 credit report companies to have those illegal claims removed from my report and it was denied because they till believe this accounts are mine and they are NOT.

Because of this Ive been denied credit to by an auto ( auto-loan ) and possible purchase a home but because of my credit score I have been declined many credit cards application and this is affecting my life on a daily basis.

I hope they understand that Im in a good faith and fix the problem ASAP. 
I have proof that I wasnt in USA during the time they approved those credits and never authorized anyone to borrow or finance under my name and social security number I EXPECT THEY REMOVE FROM MY CREDIT AND GET MY NAME AND SCORE REESTABLISHED Also I filled a Police Report at the sheriffs office of my county

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 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Received letter dated XX/XX/2022 that states my account ending in a number is overdrawn. The letter is from TD Bank. It has no record or reports of withdrawals. It just states to make a deposit of {$5.00} as soon as possible to clear the overdraft. I spoke to Fraud division at TD Bank, XXXX. She took my information and told me to contact you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I received a phone call from XXXX saying he was from my bank CHASE and he was calling to reduce my interest rate from 21 % to 4 %. He asked me to confirm the last 4 digits of the credit card and the expiration date. He then looked up the statement and read me the correct balance on my credit card. He asked me to confirm my zip code. I asked for his name and he told me his name was XXXX XXXX. I asked for his ID number and he gave it to me as XXXX. He asked me if I used any other credit cards and I lied saying No as I was already worried about this call. We hung up and I quickly called my bank CHASE and told them the above. The teller recommended I quickly change my Username and Password. I did. I also changed the alerts on all my bank accounts to alert me if the balances changed. The teller also confirmed that CHASE bank does not call persons to lower their interest on credit cards. The teller recommended so I chose to report my cards as lost or stolen to receive immediate new numbers. She asked me to confirm my mailing address which was correct. After we hung up, I then called the non-emergency police number at XXXX. The police offer answering the dispatch took my information and phone number and said someone would call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Prizm Financial Company, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX and in XXXX, Prism Financial XXXX, LLC, XXXX XXXX XXXX, XXXX, OH XXXX, financed a used car for me. In XXXX, I started getting behind in car payments because my daughter became ill and was hospitalized or either in rehab most of the year. Because of her illness, I wasnt able to work that much because I was taking her to doctor appointments, calling the ambulance and going to the hospital. I asked Prizm to redo the loan or lower the payments, but they refused. I tried to trade the car in several times, but no one would do that because the cost of the payoff. Prism was harassing me over the phone and stressing me out. I was already stressed because of my daughters medical condition. I was afraid they would repossess the car when I was miles from home. I told them to come and get the car because I was beyond stressed. 
I received an email from my employer stating that my wages was being garnished for {$15000.00} starting XX/XX/XXXX. I dont have use of the car and would be paying for something I dont have. They could have lowered the payments rather than selling the car for pennies on the dollar. I am being put in the position of quitting my job, which means I could be homeless or filing for bankruptcy. There should be a law that prevents companies from doing that.

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 2022-03-21 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:
XX/XX/2022 RE : FRAUD DEPT/ Identify Theft Update Credit files To : The Consumer Fraud Complaint Dept . 

I have contacted XXXX, Equifax, XXXX, XXXX, XXXX, and XXXX XXXX several times regarding these unauthorized fraudulent identity theft accounts on my credit files. I have submitted several complaints about identity theft and have issued proof of identity to these companies including : federal commission trade report police report, Passport utility bills, A signed Rental Lease Agreement The following accounts are in fact fraudulent identity theft accounts, I have no knowledge of the following accounts on my personal files, and they shall be removed immediately : XXXX XXXX XXXX XXXX Date : XXXX Amount : {$0.00} XXXX XXXX XXXX XXXX Date : XXXX Amount : {$30000.00} XXXX XXXX  # XXXX Date : XXXX Amount : {$1700.00} XXXX XXXX . 
# XXXX Date : XXXX Amount : {$240.00} XXXX XXXX XXXX # XXXX Date : XXXX Amount : {$430.00} XXXX  # XXXX Date : XXXX Amount : {$440.00} XXXX XXXX XXXX # XXXX Date : XXXX Amount : {$530.00} XXXX XXXX # XXXX Date : XXXX Amount : {$19000.00} XXXX  # XXXX Date : XXXX Amount : {$17000.00} I have no knowledge of the following addresses listed on my credit files, I have also reported theses addresses to The XXXX XXXX XXXX Department, and Federal Commissions Trade Report : XXXX XXXX  XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX, Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2022 RE : FRAUD DEPT/ Identify Theft Update Credit files To : The Consumer Fraud Complaint Dept . 

I have contacted Experian, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX several times regarding these unauthorized fraudulent identity theft accounts on my credit files. I have submitted several complaints about identity theft and have issued proof of identity to these companies including : federal commission trade report police report, Passport utility bills, A signed Rental Lease Agreement The following accounts are in fact fraudulent identity theft accounts, I have no knowledge of the following accounts on my personal files, and they shall be removed immediately : XXXX XXXX XXXX XXXX Date : XXXX Amount : {$0.00} XXXX XXXX XXXX XXXX Date : XXXX Amount : {$30000.00} XXXX XXXX  # XXXX Date : XXXX Amount : {$1700.00} XXXX XXXX . 
# XXXX Date : XXXX Amount : {$240.00} XXXX XXXX XXXX # XXXX Date : XXXX Amount : {$430.00} XXXX  # XXXX Date : XXXX Amount : {$440.00} XXXX XXXX XXXX # XXXX Date : XXXX Amount : {$530.00} XXXX XXXX # XXXX Date : XXXX Amount : {$19000.00} XXXX  # XXXX Date : XXXX Amount : {$17000.00} I have no knowledge of the following addresses listed on my credit files, I have also reported theses addresses to The XXXX XXXX XXXX Department, and Federal Commissions Trade Report : XXXX XXXX  XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX, Florida XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Comenity Bank has violated the FDCPA by causing my phone to ring with an automated telephone call requesting payment of an alleged debt on XX/XX/2022 at XXXX and XX/XX/2022 at XXXX. These calls are a violation of 15 USC 1692c. Comenity Bank has sent me an electronic mail message and letters stating it was attempting to collect a debt, using its symbol in the communication ( an email ) which is a violation of 15 USC 1692b. Pursuant to 15 USC 1692b, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) NOT STATE THAT SUCH CONSMER OWES ANY DEBT ; ( 3 ) NOT communicate with any such person more than ONCE unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 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: PA

Complaint narrative:
I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.S. code 1681c-2 allows the consumer to block and remove all information that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these rights.

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 2022-03-21 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: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
I made a complaint on XX/XX/2020 against Regional Acceptance regarding a previous car loan and the account being sold to collections. Per Regional acceptance they did not sale my account. They only allowed for XXXX to handle my account. Which is completely fine by me. 
Since Regional Acceptance let XXXX handle my account, that means that XXXX can make decisions on there clients behalf. Which they did- when they agreed to a settlement of the amount of money owed, also the agreement of removal.

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 2022-03-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have continued to dispute XXXX XXXX XXXX XXXX due to theft. its been one year from last dispute and Experian has failed to investigate per the fair credit reporting act and the cares act.. at one point I was willing to pay the account with settlement from the company due to me being a XXXX XXXX victim and was trying to find housing. this account was establish during the XXXX XXXXXXXX. the police did find the car eventually and XXXX XXXX XXXX decline to pick it up from storage due to it being wrecked. XXXX XXXXXXXX also want me to sign a statement stating that I had the car in my processing all that time which will not be a correct statement. 

Experian has also continued to provided a statement to creditors when I'm applying for credit stating I have seriously derogatory delinquencies meaning more than one and other factors that play in the denial of my application. 

since I have almost recovered from id theft I have paid my bills on time and Experian has continued to keep my score at a minimal to prevent me from applying for 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 explanation
Consumer complaint received 2022-03-21 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: DE

Complaint narrative:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2022-03-21 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: DE

Complaint narrative:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation