vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have noticed a number of credit card and other debts being reported twice on my consumer credit reports. 

There are accounts such as XXXX XXXX purchased a number of credit card accounts that is being reported by XXXX XXXX  and the credit card company such as XXXX XXXX  for example. 

XXXX XXXX is collecting or purchased debt from XXXX XXXX so why is these accounts being reported by the Debt Collector or New Owner and the Original creditor? 

Is that fair credit reporting to report accounts in collections twice?

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 2024-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I gave formal notice on XX/XX/year> per 15 USC 1681c2 and provided documentation, under the FCRA TransUnion was REQUIRED to block and remove the information requested within *four business days*. Per certified mail records TransUnion received the documentation on XX/XX/year> and has FAILED to comply with this request and deleted the required items EXCEPT the XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, and XXXX XXXX  account # XXXX. 

This is completely ILLEGAL! I have been very patient, but have been keeping detailed records since starting my dispute against these account this year, as well as my follow-up complaints to the CFPB regarding their illegal reporting activity sent to them this year. This is a formal notice to TransUnion and the CFPB for failure to comply with my block and delete request under 15 USC 1681c2. Again, the fraudulent account, XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, and XXXX XXXX  account # XXXX remains on my credit report despite the four-business-day requirement mandated by law. If the fraudulent information is not removed immediately, I will escalate this matter to legal action. 

Please find attached my original dispute letter with the FTC Identity Theft Report # XXXX and supporting documentation, and a copy of certified mail receipt showing delivery received by TransUnion.

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 2024-12-29 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
State Recovery Systems has been violating my rights and seek your help to resolve. 
The purpose of this letter is to dispute the Collection Account that was placed on my account that states it was opened on XX/XX/year>. This charge of {$9800.00} from a creditor named XXXX XXXX. 
I have advised that this has been a case of Identity theft yet it has been reported against my credit report to XXXX XXXX, XXXX and XXXX. 
The charge has no proof or foundation and I have advised that the charge is not valid yet your company has placed the charge against me with clear notification that this is not mine. 
I am seeking that this be immediately removed as it has been clearly provided as fraud. In addition, due to this being the second or third notice I am hereby notifying the CFPB as it is a violation of the fair credit and reporting act which is being violated by your company. 
If this is not removed immediately as there is no supporting documentation to support this bill I will have no choice but to take this matter to court and request that I be paid for damages that your company has imposed to me for falsely reporting this information on my credit file. 
I have provided letter sent to the collection agency and FTC report of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: Early Warning Services, LLC
State: TN

Complaint narrative:
On XX/XX/year> XXXX XXXX employees purchase a consumer report from a consumer reporting agency without my written authorization or consent. In purchasing this report from this particular consumer consumer reporting agency called Early Warning Services, XXXX XXXX employees willfully deprived me from opening a checking account by denying the completed application which proves a pattern of using discriminatory practices to deprive and steal from applicants. Such corporate tyranny also constitutes extortion of credits and restraint on trade of contracts to benefit only XXXX XXXX and not the real time investor who invests actual cash value to XXXX XXXX through applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I was a victim of a pig butchering scam. I was asked to wire XXXX to a bank in NY. What I thought was an investment institute where we members were given knowledge of stocks and then cryptocurrency. In total, I was scammed out of XXXX. The First wire transfer of XXXX was done on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: PA

Complaint narrative:
Dear Equifax Dispute Resolution Team, I am writing to formally dispute the accounts listed on my credit report as I have been a victim of a data breach. I request that all accounts associated with my personal information be blocked and deleted in accordance with the provisions set forth in 15 USC 1681c-2 ( a ).

The unauthorized access to my personal data has compromised my financial security, and I believe that blocking and removing these accounts is a necessary step to mitigate the risks associated with this breach.

Please find the details of my accounts below : Fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX I have attached any necessary documentation to support my claim, including attached documents, such as a police report, identity theft etc. 

I appreciate your prompt attention to this matter and look forward to your confirmation that these accounts have been blocked and deleted from my credit report. Please respond to my request at the earliest convenience. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: January Technologies, Inc
State: CT

Complaint narrative:
My information was leaked in a data breach After my identity was stolen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have been a customer with Bank of America for over 20 years. Today was the worst service they have provided. They reissued a debit card without consultation with me. Because I am abroad, this is a problem for me because the new card was send to my home address in the USA. I called 5 times and was finally disconnected when the customer service office closed at XXXX XXXX I GOT ABSOLUTELY no help FROM ANYONE. 3 OF THE REPS WERE RUDE, INCOMPETENT AND PLAIN UNHELPFUL. This is the WORST service I've got from Bank of America. I nedd this complaint to be sent to them and I am asking to have a SUPERVISOR call me ASAP, listen to the issues I raised, and propose a solution.

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 2024-12-29 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: NC

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. 

List of Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

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 2024-12-29 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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 explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Date ( s ) of the event : I went to XXXX XXXX XXXX ( Now City Limits XXXX Pre-Owned ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I spent XXXX hours at the dealership trying to get approved for a car loan. 

Description of the issue : I was interested in purchasing a XXXX XXXX XXXX priced around {$17000.00}. I had a XXXX XXXX XXXX, but the dealership claimed that my credit history wasnt sufficient and that, as a XXXX XXXX, I didnt make enough income to qualify for the loan on my own. To help with the approval, they added my sisters income to the loan application. 

The process and misleading information : The dealership initially told me I could drive off with just {$500.00} down, but this amount kept increasing. By the end of the day, they pressured me into putting {$1000.00} downa sum that was difficult for me to afford. I was continuously pressured by the salespeople to accept the loan, even though I didnt fully understand the terms. 

I did not understand the interest rate or how it would affect the overall cost of the loan. As a naive buyer, I grew up in a low-income household and had no experience with loans, so I trusted the dealerships assurances. In the end, I signed a loan agreement through Santander Consumer with an interest rate of 24.10 % on a XXXX loan, with XXXX XXXX monthly payments. 

Loan details and ongoing financial burden : I purchased the XXXX XXXX XXXX with XXXX miles on it. The current payoff amount as of now is {$15000.00}, and I wont be done paying off the loan until XX/XX/XXXX. I feel like I was taken advantage of because I didnt understand the loan terms, and the interest rate is much higher than it should have been for someone with my credit score. According to my research, the average interest rate for someone with a XXXX XXXX XXXX should have been closer to XXXX %. Instead, I was stuck with an interest rate that is more than XXXX times the average rate. 

Quality and condition of the vehicle : The XXXX XXXX XXXX I purchased is already showing signs of wear, and Im concerned that the car wont even last until the end of the loan term in XXXX. I feel trapped in this loan, paying far more than I should for a used vehicle that wont retain its value. 

How I was treated by the dealership : I felt pressured and misled throughout the entire process. The dealership didnt take my financial situation into account and pushed me into accepting terms that werent in my best interest. I also feel that my lack of experience as a XXXX XXXXXXXX made me an easy target for this type of deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: 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. 

List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

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 2024-12-29 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. 
I kindly request that you block this XXXX XXXX XXXX Account number XXXX information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-12-29 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: PA

Complaint narrative:
I am writing to dispute the accuracy of certain information contained in my credit report as provided by your agency. This letter serves as my tenth formal dispute under the provisions of the fair credit reporting act ( 15 U.S.C. & 1681 ). I believe these inaccuracies may be linked to the Equifax data breach, which compromised my personal information. I have enclosed copies of ( supporting documents such as a statement, A FTC report, and verification of my identity that substantiate my claim. Please investigate this matter thoroughly. Correct the disputed information, and provided me with a revised copy of my credit report. Under the FCRA, you are required to investigate my dispute within 30 days or receipt of this letter, Notify the furnisher of the disputed information promptly and provided me with the results of your investigation and corrected credit report if changes are made. If the investigation does not resolve my dispute, I request that you include a statement of my dispute in my credit file and in future reports provided to others. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: MO

Complaint narrative:
as the company stated in the last complaint that i filed to get this removed that they reported the debt of XXXX to all three credit bureaus agency However that is incorrect they are in fact reporting the date amount of XXXX also i requested a 1099c form from them because they wrote off the date ( as they also stated ) which is IRS regulations if the amount is over XXXX $ .However, they have not done anything i have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: TX

Complaint narrative:
I believe there was an attempt to steal my identity.

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 2024-12-29 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: TX

Complaint narrative:
I believe there was an attempt to steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a debit card from Citibank for a checking account that I did not open. I went to a Citibank branch to inquire about the card. I was told that the account was opened online and that there is a phone number associated with it that does not belong to me.

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 2024-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, after completing some work for a company, I was paid money via XXXX to Sofi Bank. However, the transaction didn't show up on my end at all. The amount was a couple XXXX dollars, a very large amount for me, and it was incredibly disturbing for all of the money to disappear. 

I immediately called customer support the following day ( as it was XXXX ) only for them to state they have no record of the transaction on their end. 

I then get a call on the XXXX, from their security department, asking to verify my identity and mentioning this XXXX payment. I verified my drivers ' license with them. They then ask me some " investigative '' questions about the transaction, which is absurd! They ask for contact information for the sender, which I decline as I disagreed with their process. How can they withhold my money and investigate me after it was fairly paid to me? I ask further questions and they state that they can't tell me anything. Additionally, they knew about the transactions whole time and withheld/blocked it! 

On the XXXX, today, they temporarily restrict my bank account, preventing me from accessing all of my funds, after I verified my identity. This is on a weekend, so no one is working through their cases, without giving me any XXXX for their " investigation ''. I call them, and they once again ask me the same investigative questions and refuse to provide information. 

How can they legally withhold my money like this? Not only the original transaction, but all of my funding? Imagine I have to pay a bill and this is my only source. Completely absurd, XXXX!

Company response to consumer: Closed with explanation