vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-22 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2022-06-22 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: OH

Complaint narrative:
The reason for my dispute is that there are multiple discrepancies still showing even afterfiling my ID theft report. Remove the following immediately : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX 'S XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX The information listed above is not only inaccurate and incorrect but also obtained without my knowledge, consent, or permission. PLEASE ADD A SECURITY FREEZE AND SEND ME A PIN NUMBER.

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 2022-06-22 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22 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:
XXXX XXXX XXXX XXXX Inquiry date : XX/XX/22 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i have send tons of letters to Transunion Credit Bureau and i have not got a responded regarding whether by email or letter in the mail or by app. i need some resolution regarding this issues

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 2022-06-22 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: OH

Complaint narrative:
The reason for my dispute is that there are multiple discrepancies still showing even afterfiling my ID theft report. Remove the following immediately : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The information listed above is not only inaccurate and incorrect but also obtained without my knowledge, consent, or permission. PLEASE ADD A SECURITY FREEZE AND SEND ME A PIN NUMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: OH

Complaint narrative:
The reason for my dispute is that there are multiple discrepancies still showing even afterfiling my ID theft report. Remove the following immediately : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The information listed above is not only inaccurate and incorrect but also obtained without my knowledge, consent, or permission. PLEASE ADD A SECURITY FREEZE AND SEND ME A PIN NUMBER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc.
State: GA

Complaint narrative:
I wasn't given enough information to verify that the debt belong to me. The debt collector was extremely rude and aggressive.

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 2022-06-22 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:
I DID CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( XXXX ). BLOCK AND REMOVE!

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 2022-06-23 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: Aldous & Associates, PLLC
State: NY

Complaint narrative:
1st error : Collection name : Aldous A gym litterally took my account to collection. 
I signed up for XXXX XXXX for 1 month in XXXX and cancelled my membership thereafter. 

Seems like they were still charging my debit card on file still and eventually that debit card wasn't working and there was a balance built up. 

They decided to take that balance to credit bureaus even though I never attended gym for the services I was billed for. 

Please help in removing this erroneous debtor on my report. 


2nd Error : Collection name : XXXX XXXX XXXX XXXX debtor under XXXXXXXX XXXX is showing on my report added on XX/XX/XXXX. 

I have not lived in the subject apartment since late XXXX. 

I had called XXXX and cancelled my meter and it was never honored they kept billing me for electricity by error/mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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:
My name is XXXX XXXXXXXX XXXX I have recently been a victim of identity theft. someone has used my personal information to apply for lines of credit with credit grantors. The following accounts are a result of my identity being stolen. 
-XXXX XXXX XXXX Opened XXXXXX/XX/XXXX XXXX {$23000.00} XXXX Opened XX/XX/XXXX XXXX {$71000.00} -XXXX XXXX Opened XXXX XXXX, XXXX XXXX {$74000.00} XXXX XXXX XXXX, XXXX Opened XX/XX/XXXX XXXX {$92000.00}. 
I don't know how the thief got ahold of my personal information but I am certain these accounts do 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 2022-06-22 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:
I DID CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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: GA

Complaint narrative:
I DID CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE!

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 2022-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
XX/XX/2021 I searched for a credit card, online, to consolidate my debt. I needed at least a {$10000.00} credit card. Only offers I found was one from XXXX XXXX for {$3000.00} and one from bank of america for {$3000.00}. I could only choose one. Being of insufficient amount I declined to apply for either one. On XX/XX/XXXX, bank of america deposited {$3000.00} into an existing XXXX XXXX credit card account I currently had for about a year. The deposit was made without my consent, knowledge or approval. I only found out it existed when bank of america sent me a bill for my first payment on XX/XX/XXXX. I called b.o.a. at least six times over the course of the next three months to no avail. They closed my account but still continued to not only bill me but since I refused to pay them they charged late fees. It has affected my credit rating drastically. I also contacted XXXX XXXX. They explained they often accept deposits from other financial institutions. I need help. I am about to pay off b.o.a. But before I do I would like to discuss this.

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 2022-06-22 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Hello, My name is XXXX XXXX. I have been working hard to increase my XXXX  score. In XX/XX/XXXX I tested positive for XXXX and developed XXXX XXXX. I was out of work for 3 months and developed severe XXXX XXXX resulting in having to file for FMLA through work. During my time off I called Chase Auto Finance and they did work with me and deferred some of my payments to help decrease my stress during recovery. However, 3 months was not the only recovery I have needed. I had to extend my FMLA on several occasions. The last time I had to file for FMLA Intermittent leave was from XX/XX/XXXX to XX/XX/XXXX. Back in XX/XX/XXXX, I had to use some leave as I got XXXX again, not as bad but needed some time off work. I called Chase Auto Finance twice in the same week nearly in tears asking them to help me again, I didn't want my payment to be late as I worked so hard to increase my XXXX  to XXXX. I spoke with two different people and they both denied a deferment stating that I did not meet the requirements for the deferrment. I called Chase Auto financial and spoke with the Supervisor, XXXX, on XX/XX/XXXX and explained my situation and asked if there was any way he could reconsider reversing my 30-day late notice to the credit reporting bureau , he said he could not. I explained to him I have been working hard to get my XXXX  stable and that I did call asking for help and was denied twice the same day when reaching out to Chase Auto Financial to try to avoid this late payment. I am not sure if there is anything you can do to help me. But what is the point to reach out for help if the financial organization shuts you down and lets you face a late payment over trying to help people during a global pandemic. I am a XXXX and unfortunately, I work in the XXXX  setting and risk my life and health every day being exposed to XXXX on a daily basis. Me contracting XXXX twice within two years is nearly inevitable being that I XXXX XXXX XXXX XXXX XXXX XXXX setting with close contact with XXXX. Please, if you can help me, I would greatly appreciate it. 

Thank you for your time. 
XXXX XXXX, XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
My son was in an XXXX accident  in GA with my car, both were insured by XXXX XXXX Both cars were total losses, and mercifully there were no reported injuries. My son 's passenger worked for XXXX at the time, and my son offered to our insurance adjustor that he had volunteered to bring her to a grocery store. XXXX XXXX denied our claim, stating that my policy did not provide such coverage, and their payout was zero. We had to incur stiff towing and storage fees, that were also not covered, we also have not been able to replace our car. 
USAA, the other driver 's insurance company, has hired XXXX XXXX to collect $ XXXX in subrogation costs that they paid out to her for her vehicle loss. 
Because XXXX XXXX denied our claim, we are being harassed by XXXX XXXX who is claiming to be a law firm, and is in fact a debt collection agency. They have called us no less than 9 times, emailed us, and sent 2 sets of demanding letters in 3 weeks. They have threatened to have our licenses suspended by the state of South Carolina if this debt is not paid in a timely manner. Never did they mention, or does it state on their demand letters, that this claim could be disputed. With each call they ask if we are able to pay this large sum. 
Although it is a hardship, we have spoken with a lawyer in order to dispute and potentially have this claim dismissed. We are not seeking litigation, and we do feel we are not being treated fairly or decently by XXXX XXXX. This has also negatively impacted my son 's condition of XXXX XXXX for which he is being treated. Our stress level is quite high at the prospect of a possible judgement against us, and having our licenses suspended. 
We do not have the funds to pay this debt that we feel is not ours, and really do not have extra revenue for retaining legal counsel at this time. 
Thank you for your time and the opportunity to state our case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/2022, I the consumer, natural person, and original creditor initiated a consumer credit transaction with TD Bank. On said date I applied for their TD Double Up XXXX Credit Card using my social security number ( SSN ). However, TD Bank denied my consumer transaction/application and mailed me an adverse action letter dated XX/XX/2022 ( a violation of 15 U.S.C. 1691c ). A copy is herewith attached. On XX/XX/2022, I sent TD Bank by certified mail notice alerting them of their violation of my federally protected consumer rights. Which they received and signed for as evidence by the signed certified return receipt ( XXXX ). 

Copy herewith attached. In the notice, I gave TD Bank ten ( 10 ) calendar days to rectify the situation by reassessing my application and approving it. I also clearly and conspicuously stated that " failure to respond is tactic agreement that [ TD Bank ] [ is ] civilly and criminal liable for the actions take against the beneficiary. '' In accordance with the postal rule, their failure to respond in writing to my notice to wit, is tacit agreement that they violated my federally protected consumer rights by not approving my application for the TD Double Up XXXX Credit Card. It has been over 30 days since TD Bank has received my first notice and yet has not responded in writing to my demands. 

To reiterate what my notice made clear : According to federal law ( 15 U.S.C. 1602 ( I ) ) my social security card is a credit card. A credit card is defined as " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' I used my social security card/number in connection here to obtain another credit device existing for the purpose of obtaining money, property, labor, or services on credit. Accordingly, as a consumer, natural person, and original creditor, it is unlawful to deny me of my own credit. Furthermore, 15 U.S.C. 1691 ( a ), provides that : " [ I ] t shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction.. " A denial of my open ended consumer credit constitutes to discrimination. Moreover, pursuant 12 U.S.C. 1431, Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore TD Bank is unable to lend a consumer, natural person, and original creditor anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 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.

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts include the following : XXXX is XXXX XXXX is XXXX and account number : XXXX XXXX XXXX is XXXX and account number : XXXX XXXX  which is for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My account closed, with an amount of XXXX in It, and i went to the branch and they told me my account wasnt in the system any more and to contact XXXX the XXXX, Ive called them and they said they should not receive calls from the customers and i had my report mailed to me, .when It was mailed to me i took It back to branch and they told me the same thing as they said the first time then i contacted fraud department, enterprise frauds department, credit card department XXXX and they all kept referring me back and forwards, and i was in the line explain my problem over and over and all i was tryna do was withdraw my remaining balance of XXXX from a branch or get my remaining balance mailed to me in mail to my address .. nobody was able to Help and my remaining funds that i put in this account myself which is MY MONEY, is now in a closed /locked account and i cant acces my funds, ,and no one on the truist team can either and Im in need of my funds immediately, if you can help 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 explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax has furnished incorrect information on my credit report. I have tried to resolve the issue several times via phone and letter correspondence. At this point they are in violation of three FCRA laws. Last letter sent was by certified mail on XX/XX/2022. Please see attached for letter, invoices and proof of delivery confirmation. This inaccurate information has caused irreputable damages and each violation is a recoverable fine of {$1000.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ACCOUNTS AREN'T MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX 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

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