vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-12 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: CA

Complaint narrative:
On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
ALLY FINANCIAL ARE DEFRAUDING THERE XXXX XXXX  CUSTOMERS AGAIN. ITS TIME FOR ANOTHER LAWSUIT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: CA

Complaint narrative:
I am writing to inform you of a violation of my consumer rights by Equifax. Upon reviewing my credit report, I noticed several hard inquiries that were made without my consent or authorization. Specifically, on XX/XX/XXXX, there was a hard inquiry by XXXX, on XX/XX/XXXX, there was a hard inquiry by XXXX, and on XX/XX/XXXX, there was a hard inquiry by XXXX. 

These hard inquiries were made without my knowledge or consent, and as such, have violated my rights as a consumer. Pursuant to 15 USC 1681a ( 2 ), I have the right to be informed about the nature and scope of the investigation conducted by Equifax. Pursuant to 15 USC 1681a ( 3 ), I have the right to know the sources of information used by Equifax in compiling my credit report. Pursuant to 15 USC 1681a ( 4 ), I have the right to be informed of any person or entity that has received a copy of my credit report within the last year.

Additionally, pursuant to 15 USC 1681a ( b ), Equifax has a duty to ensure that the information in my credit report is accurate, complete, and up-to-date. However, these hard inquiries were made without my knowledge or consent and have resulted in inaccuracies on my credit report. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( a ) ( i ), Equifax is required to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in my credit report. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( a ) ( iii ), Equifax is required to conduct a reinvestigation of any information disputed by a consumer and to modify or remove inaccurate or incomplete information.

Furthermore, pursuant to 15 USC 1681a ( d ) ( 2 ) ( b ), I have the right to request that Equifax reinvestigate the accuracy of the information contained in my credit report. As such, I have already written a letter to Equifax requesting that they investigate the inaccuracies resulting from these unauthorized hard inquiries. 

I am deeply concerned about this violation of my consumer rights and request that the Consumer Financial Protection Bureau take action to ensure that Equifax is held accountable for their actions and fully deletes the hard inquiries that are reporting inaccurately. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: TX

Complaint narrative:
I noticed that a bill city collection was on my credit account. The original debt holder was a power company who stated that I had power with them in Indiana. Ive never lived in Indiana. Bill City informed me of all the documents that I needed to provide to them to verify it wasnt me. I sent them a police report that I filled regarding the identity theft, my lease agreement with my apartment complex during the time period of the power bill, my identification, and the information I had to complete with the identify thrift website. After doing all of this the account was removed from my credit report. I check my credit report Thursday XXXX XXXX because I received an alert that I new collection had been added to my account. Bill City had put the collection back on my credit. I called the em and the lady stated that she seen the paperwork and that it had been removed and then placed back on but the original best collect told them to place it back onto my credit report and that I needed to call them. I know that once a debt is sold to a collection agency the original collect doesnt have anything to do with it. She insisted that I call and they told me the same thing that they didnt tell them to put it back in my credit report that they sold it to them and had no say so. She stated that she would escalate my call to upper management to see what can be done to fix the issue. I still havent heard back from neither party and the negative account is affecting my credit and I need it to be resolved once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IN

Complaint narrative:
I have sent in police reports and arrest records and final investigation reports from the XXXX. I have sent in documents stating I have never had an account with the merchant. My account was used fraudulently and unauthorized and they keep denying my claim. I have been disputing this since XX/XX/XXXX of 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2022 XXXX XXXX alerted me to unusual activity with my credit card. My XXXX XXXX was hacked. My XXXX  id was breached & my XXXX  wallet & bank account app were compromised. I closed my XXXX  credit account & applied for a new credit card. The initial card & account were closed on XX/XX/2022. There was a balance on that account & in XXXX of XXXX  i paid the balance in full. That account no longer exists. I also lost XXXX that was on my XXXX  account. XXXX XXXX continues to send me bills each month claiming that i owe them XXXX. Every month they are reporting me to the 3 credit bureaus as delinquent on an account that doesn't exist any longer. I want my XXXX back & want my name cleared on my credit reports. I have called XXXX XXXX at least 10 times to rectify this & nothing has been done. My credit score before my identity was stolen was XXXX & now it's XXXX because they continuously report me delinquent. I live in XXXX. Pa & all of the fraudulent activity was done in California.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: 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 : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-04-12 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 : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-04-12 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: MI

Complaint narrative:
In accordance with the fair credit reporting act The following 5 Consumers Listed below Have Violated my Rights under the following laws listed below 15 U.S.C 1681 section 602 A. States I Have A 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: FL

Complaint narrative:
In XXXX XXXX I received a letter in the mail from Westlake Portfolio Management about my XXXX XXXX here in XXXX Fl. I applied for a personal loan with the company. I paid payments to the company. Apparently XXXX XXXX never forwarded my XXXX XXXX payment to the new servicing company I paid in XXXX XXXX. When receiving this letter from Westlake Portfolio Management. I called to inform them that I had paid the old company and asked for this company to send me correspondence regarding everything. I had paid my XXXX XXXX payment. I never received the information asked and they reported my late payment to the credit bureau. I have never received any payment statements nor have I ever contacted them and arranged anything in the letter they provided to the credit bureau. They says all calls are recorded get a copy of those calls. I never arranged anything with this company. I have contacted them in regards that the loan I had signed for is not an automobile loan it's a personal loan. But this shows up on my credit report as a car loan. I can't get a car loan because of this. The letter I just received in the mail is fraudulent I have never contacted this company for a payment arrangement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I have been sick the last 3.5 years in which I have not been able to XXXX XXXX XXXX a majority of the time. I have been charged and then rebilled for charges which I did not approve. So, I contacted the company right away to dispute the charges, told them about my health issues, contacted Amazon and closed my account, stop payment to all companies, and locked my card as well as sent for a replacement card. 

They are claiming I am liable for these charges even though there is a liability clause that says I will not be charged for fraudulent charges. I still have the card locked, asked that all authorized users be removed, and that my name be removed from any ones account because I have never been a co-signer for anything. 

Please tell me what I can do. I do not want this happening to other people. I am concerned it is my mother who has my social security number which I never authorized her to use for any reason or my sister who has a history of taking out cards and stealing from members of the family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
penfed bank i open my account online with then 3 weeks ego i can not access my money after i wire then the money pass 5 days the block my savings account, no respond i try call no answer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: NJ

Complaint narrative:
The following collections are reporting a debt on for a collection that is inaccurate : XXXX XXXXXXXX XXXX {$110.00} and XXXX XXXXXXXX XXXX XXXX.These following 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.C1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 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: NJ

Complaint narrative:
The following collections are reporting a debt on for a collection that is inaccurate : XXXX XXXXXXXX XXXX  {$110.00} and XXXX XXXX XXXX XXXXXXXXThese following 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.C1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
During XX/XX/2021 : XXXX XXXX  stored my cash at Citizens Bank as part of a sweep feature of a Cash Management Account. The cash was FDIC insured and incured interest. My XXXX Cash Management Account was compromised and unauthorized withdrawals took place, which included the EFT and Debit withdrawal of cash from Citizens Bank to another bank. XXXX XXXX claims they are regulated under FINRA and do not need to follow CFPB Consumer Protection laws, even though it was stored at Citizens Bank and advertised the program as regulated by federal banking laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2023 at XXXX XXXX  a woman went into A Bank of America branch @ Address : XXXX XXXX XXXX, XXXX, TX XXXX and withdrew XXXX from my husband and I joint account. The bank stated that she said that she was his daughter, but no one notified me and my name is on the account as joint owner. The bank teller gave her enough information regarding the account that this woman was able to get my husbands username and change the password to gain online access to the account information. My information was also compromised and I am now receiving alerts on my credit report that my information has been compromised. I feel that the bank was negligent because my husband had a XXXX XXXX XXXX and is XXXX. He can not type on a computer, so someone in the personal care home where he resides, or some one else now has access to my personal information as well as his. I believe this was possible due to negligence of the Bank of America employee 's negligence in handling the situation. I am filing this complaint because in a week my Credit Score has plummeted. I am very upset and frustrated by the entire incident.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I tried talking with them but they did not listen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Agencies do not always update information on credit reports in a timely manner, which can lead to inaccuracies and inconsistencies on my report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 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: FL

Complaint narrative:
There is an item on my credit report from XXXX XXXX XXXX stating that I owe {$940.00}. When I reported it to Transunion they said that they had to contact the company to verify if I owed the debt. When I researched it online, I found lots of complaints for this company in which they claim that people have $ XXXX {$1000.00} worth of unpaid magazine subscriptions. I have not had any magazine subscriptions in years and never in that amount. Further research stated that I should report it to the FTC which referred me to you. I do not owe any magazine subscriptions and I do not want this fraud on my credit report! XXXX XXXX XXXX shows as XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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