vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I always had a good credit score, pay credit cards regularly ; therefore, I never check my credit score. In XXXX, I saw my XXXX XXXX decreasing and notice a fraudulent account that I have never opened on my record with XXXX XXXX. I reported it via TransUnion and today received a confirmation that the information is accurate. I called this company because I am not aware of what type of account it is and what this bank even is. 

I am in the process of buying a house. This fraud prevents me from doing so, causing sufficient amount of pain and suffering, while it does not seem TransUnion adequately investigated my fraud report. 

I have never opened an account with XXXX XXXX, I am not aware of this bank, never communicated with this bank, neither via mail nor otherwise. I have never thought their credit line, and I am not interested in their services. I have significant amount of credit cards enough to satisfy my needs, and I have always been diligent with paying for my credit cards. 


I have nothing to attach to this complaint because I have never opened such an account. The only thing I can report is a mistaken decision by TransUnion to complete investigation without changes to my credit score.

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 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I always had a good credit score, pay credit cards regularly ; therefore, I never check my credit score. In XXXX, I saw my credit score decreasing and notice a fraudulent account that I have never opened on my record with XXXX XXXX. I reported it via XXXX and today received a confirmation that the information is accurate. I called this company because I am not aware of what type of account it is and what this bank even is. 

I am in the process of buying a house. This fraud prevents me from doing so, causing sufficient amount of pain and suffering, while it does not seem XXXX adequately investigated my fraud report. 

I have never opened an account with XXXX XXXX, I am not aware of this bank, never communicated with this bank, neither via mail nor otherwise. I have never thought their credit line, and I am not interested in their services. I have significant amount of credit cards enough to satisfy my needs, and I have always been diligent with paying for my credit cards. 


I have nothing to attach to this complaint because I have never opened such an account. The only thing I can report is a mistaken decision by XXXX to complete investigation without changes to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I always had a good credit score, pay credit cards regularly ; therefore, I never check my credit score. In XXXX, I saw my credit score decreasing and notice a fraudulent account that I have never opened on my record with XXXX XXXX. I reported it via XXXX and today received a confirmation that the information is accurate. I called this company because I am not aware of what type of account it is and what this bank even is. 

I am in the process of buying a house. This fraud prevents me from doing so, causing sufficient amount of pain and suffering, while it does not seem XXXX adequately investigated my fraud report. 

I have never opened an account with XXXX XXXX, I am not aware of this bank, never communicated with this bank, neither via mail nor otherwise. I have never thought their credit line, and I am not interested in their services. I have significant amount of credit cards enough to satisfy my needs, and I have always been diligent with paying for my credit cards. 


I have nothing to attach to this complaint because I have never opened such an account. The only thing I can report is a mistaken decision by XXXX to complete investigation without changes to my credit score.

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 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my address, Please update my name, My only social security number, My only and correct date of birth, and My only employer. 
I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my address, Please update my name, My only social security number, My only and correct date of birth, and My only employer. 
I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely,

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 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the fair credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1.Defamation 2.Negligent Enablement of identity Fraud 3. Violation of the Fair Credit Reporting Act Sincerely,

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 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Round Up Ventures, L.P.
State: OH

Complaint narrative:
In Accordance with the fair credit reporting act convergent account number 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 2022-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
on XX/XX/XXXX my checking account at associated bank had a positive balance of {$62.00} dollars, then on XX/XX/XXXX it has a positive balance of {$22.00}. I know this because I had been transferring money from my savings as the balance was getting low. FOR NO REASON, on XX/XX/XXXX associated bank charged me {$64.00} dollars of OD fees unauthorized as I have overdraft protection set up, first off, and the account balance was not negative, if it was, the overdraft would kick in for the {$110.00} charge that came through. when asked about it, they told me that {$700.00} was overdrawn when that is not even close to the truth. they are fraudulently taking fees from customers unsuspecting accounts to make money. Please see the image. They need to credit back the account and use the overdraft protection as it should be used correctly and not lie about it. I can see exactly when the account went negative and they did on XX/XX/XXXX when I had a positive balance of {$22.00}. They could have moved XXXX  over. no, they lied and charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
Re : XXXX I currently have a car loan with Honda Financial that is currently due on the XXXX of every month. If I go one day beyond the due date they will call my house from 20 to 50 times a week. I have even made a promise when they can expect to get the payment and the automated still continues to call me. 

I have asked the representative to not contact me at phone at all. I have asked to only be contacted by mail several times and they continue to call me. Today again the rep told me she would remove me from automatic calls but I will continue to get calls. 

I do not want any calls from this company to my cell phone, home phone or my kids phones. I will continue to make my payment until the car is paid. But they need to respect my request. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not supplied proof, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

I am not liabe for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with XXXX XXXX XXXX XXXX .address : XXXX XXXX XXXX XXXX XXXX, MO XXXX. In the amount of {$260.00}. 

I am not liabe for this debt with XXXX XXXX and I do not have a contract with XXXX. XXXX XXXX XXXX .address : XXXX XXXX XXXX XXXX XXXX MI XXXX. In the amount of {$160.00}. 

I am not liabe for this debts with XXXX XXXX XXXX and I do not have any contracts with XXXX XXXX XXXX .address : XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX. In the amounts of {$110.00} and {$200.00}. 

I am not liabe for this debt with XXXX XXXX XXXX and I do not have any contracts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX. In the amounts of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I signed up for Citi new checking account promotion that stated you needed {$50000.00} for 3 months and receive {$700.00}. After 5 months, I called several times and finally was told that they will not honor the promotion and tried to say it wasn't targeted at me??? At the time, I called and spoke with a representative from Citi bank who assisted me in setting up the account under false pretenses. 
Then when I tried closing the account, they wanted to charge me to get my funds back. This is outright false advertising and criminal behavior. Citi bank should be ashamed of themselves. Hopefully, you can warn people of their predatory practices and lack of honor in backing their promotions. This is my first time filing a complaint. Thank you for listening!

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 2022-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I have tried numerous times to make offers to pay off my credit card debt with XXXX and TSI. They disregarded my past offers and made an offer at a time I could not accept due to not having the funds available of {$5000.00}. 

They told me today I owe $ XXXX which simply isn't true. 
When I left service the card was left at {$7000.00}. 
I have made payments for almost 5 years totaling over {$4000.00}. 

Today I called them and offered to pay the deal of {$5000.00} and they told me no because time was up and I'd have to wait until next year. I'm trying to purchase a home and no lender will work with me until this ordeal is handled. If I need to contact legal representation, perhaps the CEO of XXXX and my local news channel I'm prepared to because this isn't right how I'm being treated. I am being shaken down for every possible XXXX they can obtain from me. I literally have thousands of dollars to pay them to rid this debt and move on with my life and this company refuses to budge! Where are their business ethics in all of this? TSI is trying to make this as difficult as humanly possible and I'm trying my hardest here to be polite but I am losing my patience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I went to Bank of America in XXXX TX ( XXXX XXXX ) on today to cash a {$1500.00} Check that was given to me by an organization. I '' m not a member of BOA but I had proper identification. I was told by both the teller and Supervisor ( XXXX ) that I coud n't cash the check and they couldn't tell me the reason. I was told to go back and get another check from the organization but I had no information to take back to the organization in order to ask for another check. I went down to another BOA location where the check was perfectly fine & cashed. I then went back the previous location to find out why they werent able to cash the check but the other location with the same system could. I was told that they should not have cashed it and still no reason given. I felt like this was definitely an act of XXXX discrimination and profiling.

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 2022-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Four Directions Lending LLC
State: KS

Complaint narrative:
On XX/XX/2022, I sent a Revocation of Authority to Initiate Electronic Funds Transactions to West Side Lending. However, West Side Lending continues to debit my account. The most recent attempt was an ACH transaction. 
The date was XX/XX/2022 for the amount of {$640.00}. More than 60 days after I requested that West Side Lending stops debiting my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
In 2017, I agreed to be XXXX  over my sister 's estate ; I have an XXXX, but the bank I was dealing with ( XXXX XXXX  XXXX said they needed to have my SSN. As time went by, I was/am still waiting for an attorney 's office to release funds, so I did not try to close the account. The estate bank took the last amount that was in the account for fees; charged me for non-payment of extra fees; turned my name and SSN into a collection agency ; and closed the account. I paid ( out of pocket ) the amount that the bank said I owed them, but the bank said this will stay on my record for five ( 5 ) years! Consequently, every time I try to open a bank account, or apply for a credit card or loan, I am denied because of this situation. 

I have tried, unsuccessfully, to get the bank XXXX XXXX XXXX  ) to have this information removed from my name/SSN. I called the Social Security Office, explained the situation and asked if they could help me, since my SSN is involved ; I was told nothing they could do. I recently applied for a credit card and was denied ; information has been put in my credit reporting files. I appreciate anything you do to help me in this situation. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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. 
Account Name : Account Number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX All those above accounts have 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 or 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 explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Incorrect wrong name spelled

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 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
In Accordance with the fair credit reporting act XXXX account number 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 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ACCOUNT NUMBER : XXXX I submitted a dispute to Experian regarding XXXX XXXX. The account is reporting Paid but also shows a charge off amount. XXXX sued me in court and received a judgment for the amount in XX/XX/XXXX for {$4300.00} plus other fees. They won that judgment and my income was garnished until the entire balance of XXXX, XXXX plus court costs. After all monies were pain, in XX/XX/XXXX XXXX sent me a letter stating that my account had been paid in full and stamped each individual page as paid on the contract. 
They never listed any other amounts owed. 
But, they are reporting to Experian that my account is paid, but {$4300.00} was charged amount. This is the amount that was garnished. I have contacted XXXX and Experian and asked them to correct their error but, as you can see by one of the attachment, Experian is stating that they have contacted XXXX and the information listed on my credit report is correct. IT IS NOT CORRECT!!!! 
I take offense to the fact that these credit reporting agencies are not investigating the information that they are listing on credit reports without investigation. They are blindly taking the words of these companies. 

I WANT THIS CORRECTED IMMEDIATELY!!!!

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 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 's, XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXXl # XXXX, XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 604 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