vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached an FTC report with accounts and inquiries I did not authorize, please delete these as they are affecting me so I can not buy a house also update my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: DISCOVER BANK
State: FL

Complaint narrative:
I am consumer and I am submitting this complaint without any other party or credit repair organization. I despite several request for Discover Bank for compliance to the Fair Credit Reporting Act 15 USC 1681b ( a ) ( 2 ) instructing Discover to cease furnishing and remove my nonpublic personal information associated with any account or inquiry from any and all consumer reporting agencies, to include XXXX, XXXX, XXXX. Discover has dishonored my right of privacy and confidentiality in disregard of 12 CFR 1016.15 ( a ) ( 1 ) and the congressional findings of 15 USC 1681. 
Enclosed is a letter dated XX/XX/2022 received by Discover refering to an inquiry instead of the disputed non-public personal information alleging to be the XXXXredit Consumer Financial Protection Bureau Management as deceptive and unfair practice in violation of 15 USC 1611 and the Fair Credit Reporting Act impersonating 15 USC 1692e ( 1 ) the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
XXXX XXXX  responded to my last complaint with this : " XXXX XXXX XXXX ASSIGNED XXXX XXXX 's account with our agency on XX/XX/2021 and XXXX XXXX XXXX holds equitable title to the claim. Our credit reporting is a public record reporting and XXXX XXXX XXXX is a tradeline reporting. The CRA controls what is reflected on a credit report we are data furnishers. '' XXXXXXXX XXXX  is reporting as a tradeline on my credit NOT a public record as they stated. Please see the screenshot attached to this complaint & a copy of my credit report ( please see page XXXX ). This is NOT a public record as XXXX XXXX claims therefore a misreporting and inaccurate and unfair. I am also asking for a debt validation. please provide me paperwork and itemization of this alleged debt.

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 2022-11-15 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: EQUIFAX, INC.
State: ND

Complaint narrative:
XXXXXXXX XXXX responded to my last complaint with this : " XXXX XXXX XXXX ASSIGNED XXXX XXXX 's account with our agency on XX/XX/2021 and XXXX XXXX XXXX holds equitable title to the claim. Our credit reporting is a public record reporting and XXXX XXXX XXXX is a tradeline reporting. The CRA controls what is reflected on a credit report we are data furnishers. '' XXXXXXXX XXXX is reporting as a tradeline on my credit NOT a public record as they stated. Please see the screenshot attached to this complaint & a copy of my credit report ( please see page XXXX ). This is NOT a public record as XXXX XXXX claims therefore a misreporting and inaccurate and unfair. I am also asking for a debt validation. please provide me paperwork and itemization of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Since XXXX I had made payment arrangements with the company credit acceptance for my car payment. 
The payment arrangements were considered as to breaking initial payment arrangement which was initial car payment regardless of the on time in full payments that were made due to the payment arrangements created the company has shown late or no payment for almost XXXX years and has resulted in damaging my credit and ruining any possibility of me moving ahead. 
The company overcharged me on the XXXX to begin with extremely high interest and one of the few companies that took no regard to the pandemic and in a time or parallel left people with no options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: GA

Complaint narrative:
Equifax is reporting inquiries on my credit report a total of XXXX inquiries that I contacted the company and they have sent in request to have them from Equifax ; XX/XX/2022 I called in to dispute the XXXX and was told by a representative that I Can not file a dispute? And that the information was accurate I asked to speak to the fraud  department and the representative stated that I was speaking to the fraud department but refused to allow me to file a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached an FTC report with accounts and inquiries I did not authorize, these are affecting me from buying a home and need to be deleted also please update my personal information

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 2022-11-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I received a letter in the mail on XX/XX/2022 containing a Serve American Express Prepaid Debit Card. The letter also references XXXX XXXX XXXX XXXX. I never requested this card, and I have never set up an account with American Express, XXXX XXXX, or Serve. I am concerned that my identity has been stolen, and that someone else has opened this in my name. I tried to contact Serve and American Express on XX/XX/2022 at XXXX XXXX. I called American Express first, and they informed me they were not the ones to talk with about this, and gave me the number to Serve 's customer service. When I called that number, I could not speak with a representative without providing my full social security number, which made me very uncomfortable. I need this account closed, and any identity theft to be addressed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15 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: MI

Complaint narrative:
XXXX Account number XXXX ..... In accordance with the fair credit Reporting act XXXX Accounts this creditor has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy .... 15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. .. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for and purpose. Please remove late payments and update asap please.

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 2022-11-15 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: MI

Complaint narrative:
XXXX Account number XXXX ..... In accordance with the fair credit Reporting act XXXX Accounts this creditor has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy .... 15 USC 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. .. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for and purpose. Please remove late payments and update asap please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I'm writing this complain in hopes of a resolution. 

In late XXXX I was nearing the end of my lease on a XXXX XXXX XXXX vehicle. 

I went to the dealer ( for service ) and was asked to lease a new XXXX Mercedes XXXX. 

Since at the time my lease was not yet mature, I was concerned with the lease disposition fee ( {$590.00} ). The Mercedes Dealer ( Mercedes XXXX XXXX ) stated that it was acceptable to get into a new vehicle lease early and that the disposition fee would be waived. They gave me, as part of the contract, in writing, a statement that the XXXX GLE lease disposition fee would be waived. 

The {$590.00} disposition fee was NOT waived and was deducted out of my {$4800.00} security deposit for the XXXX vehicle. In fact it took nearly XXXX  months to return my security deposit - a process that took only days with XXXX or other OEMs. 

I have attempted to collect this fee for no less than XXXX hours on the phone speaking with more than XXXX different agents, all with promises of a " call back '' to no avail. 

As of today my XXXX time calling I was informed that a supervisor ( XXXX XXXX XXXX ) is " aware of the issue '' and will " call me back '' but no one has called me back or attempted to resolve this issue. 

At this point I am asking for the CFPB 's help in resolving this matter. It seems extremely dishonest that a financial services company, one that collects and keeps more than $ XXXX deposits from consumers simply has no desire or ability to service its customers and charges fees wantonly and contrary to the lease/purchase contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Had a email from bank of america which I have never had a account with. I called their fraud dept when I got the email they said it was probably sent one trying to scam me and to not open it that they didn't have anything with my name and adress in their system.then today I get a statement from them for a account in Mt name and XXXX transactions been on hold acouplw of time for over a hour and can't get anyone and I tried to go by the branch and theu said you have to make an appointment. 
I don't have a account with bank of america and I don't know these names on the XXXX transfers.cant seem to get this taken care of.

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 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America approved an XXXX credit card in XX/XX/XXXX and an XXXX XXXX card in XXXX of XXXX. Both of these cards were in my maiden name, a name that is no longer legal. I received notification from Bank of America that my claim for the first card was resolved on XX/XX/XXXX but they are refusing to resolve the second claim, saying the " information is correct '' even though XXXX disputed the claim on my behalf. Bank of America said both accounts were closed but my XXXX report stilled showed XXXX as open. This card ends in XXXX. I don't have the other numbers because I was instructed to destroy it. 

All credit monitoring agencies have been contacted and my credit has been frozen. 

I also received a letter from the Department of Labor from the state of Maryland about a fraudulent unemployment claim on XX/XX/XXXX. I immediately emailed the agency and indicated that this was not valid claim.

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 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/2022 I tried to open multiple checking accounts I got denied on all of them because of reports coming from early warning services about identity theft. I would for early warning services to stop those reports immediately because its preventing me from getting an FDIC approved checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/2022 I did a mobile deposit in the amount of XXXX this was an expense check sent to me from the company I work for. On XX/XX/2022 someone else produced the same check in the amount of XXXX and mobile deposited it into a XXXXXXXX XXXX with someone else 's name and address on the check. Both Wells Fargo and XXXX allowed an already negotiated check to be cashed. My company has a positive pay system in place so this doesn't happen. So I'm not sure how it was ever approved to be cashed.Furthermore this fraudulent check never hit their account. Instead Wells Fargo deducted the amount out of my account. I have filed four claims on this and each claim has been closed. I even received a copy of the check with someone else 's information on it.

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 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
A negative inquiry from XXXX XXXX was placed on my TransUnion credit report. I was never informed XXXX XXXX placed me for collection for {$87.00}, since then I have paid the account, thus bringing the balance to {$0.00} and the account has been cancelled.

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 2022-11-16 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:
This is my NUMEROUS complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX Balance : {$22000.00} ; XXXX Inquiry Date XX/XX/2022

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 2022-11-16 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: CA

Complaint narrative:
This is my NUMEROUS complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX Balance : {$22000.00} ; XXXX Inquiry Date XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Multiple calls in under a minute this is t a phone issue as it has been consistently going on for months.

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 2022-11-16 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: Atlanticus Services Corporation
State: NJ

Complaint narrative:
My account was closed for not using it my bank continued to make payments I have a credit balance of XXXX that I have been trying to get for XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: NV

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. 

XXXX : # XXXX, XXXX XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: RI

Complaint narrative:
Accounts XXXX XXXX XXXX  and XXXX XXXX do not belong to me these accounts are fraud and are harming my credit report, score and character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
My social security number was unauthorized usage of applications and fraud inquiries appeared on my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
This company calls 5 to 6 times a day for the past.6.months. In the state.of Texas that is harassment and if it continues I will.be filing charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A company named XXXX XXXX XXXX contacted my brother in law stating I needed to sign electronic documents. They said if I didn't sign them I'd be arrested. He called and gave me their number. I called them. They are trying to say I owe a debt for a capital one card that I have never had. Nor has this debt ever been on my credit report. They said I can be arrested if I don't pay. I have never heard of this debt nor have I ever received anything in writing regarding it. Their phone number is XXXX. And they said I have a legal case number of XXXX. 
I explained I have never had this card. Nor have I ever received anything from them. They said it doesn't matter and I must pay either in full or payments or be arrested and go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: CA

Complaint narrative:
In accordance with the fair credit report act XXXX XXXX XXXX XXXXXXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX A states I have the right to privacy. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX : it also states a consumer reporting agency can not furnish an 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