vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 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: GA

Complaint narrative:
In accordence with the Fair Credit Reporting Act : 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.

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 2022-03-15 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: VA

Complaint narrative:
I didn't authorize these Inquiries and I am not benefiting from these Inquiries. XXXX  Date of inquiry XX/XX/2021, XXXX  Date of inquiry XX/XX/2021, XXXX XXXX Date of inquiry XX/XX/2021, XXXX XXXX Date of inquiry XXXX XXXX XXXX 
XXXX XXXX  Date of inquiry XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hard inquiry from XXXX XXXX XXXX XXXX did not apply for credit, disputed with XXXX and removed from my report. 
Received a call from XXXX about an account that was being attempted to be opened. I did not try to open account. XX/XX/22. Disputed with XXXX and removed from report. 
Received a letter from XXXX denying a Credit card as i already had a credit card from XXXX XXXX did not request a new line of credit -I called chase and they listed this as fraud., XXXX did not see this on my report. 
Hard inquiry from Bank of America- I did not request a credit card from them. 

I have placed a credit freeze with all XXXX credit bureaus so that no one will be able to open credit in my name. I'm not sure what else to do. 

*i did open XXXX XXXX with XXXX XXXXThat is the only recent credit line that i applied for.

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 2022-03-15 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hard inquiry from TD XXXX XXXX XXXXI did not apply for credit, disputed with XXXX and removed from my report. 
Received a call from XXXX about an account that was being attempted to be opened. I did not try to open account. XX/XX/22. Disputed with XXXX and removed from report. 
Received a letter from XXXX denying a Credit card as i already had a credit card from XXXX XXXXI did not request a new line of credit -I called chase and they listed this as fraud., XXXX did not see this on my report. 
Hard inquiry from XXXX XXXX  XXXX I did not request a credit card from them. 

I have placed a credit freeze with all XXXX credit bureaus so that no one will be able to open credit in my name. I'm not sure what else to do. 

*i did open XXXX XXXX with XXXX XXXXThat is the only recent credit line that i applied for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 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: Duvera Billing Services, LLC
State: NC

Complaint narrative:
There are XXXX accounts on my credit report that are not mine DUVERA BILLING SERVI {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX {$370.00} XX/XX/XXXX XXXX {$370.00} XX/XX/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 2022-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Have disputed with affirm back on XX/XX/24 stating order received wasnt what was ordered. Affirm has done nothing with dispute except send harassing almost daily emails stating I owe them money when on their website it says to not pay during dispute process

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear Sir/Madam : I am a victim of identity theft and I completed and submitted an identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. 

I disputed this account with as fraudulent with experian and the creditor and they continue to report this charge off on my credit report. They report it back as verified but verifying an account does not prove that it is valid. 


XXXX XXXX Account number XXXX Account type Cell Phone Date opened Indicates the date an account was opened XX/XX/2018 Sincerely, 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 2022-03-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my TRANSUNION Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$640000.00} ;

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 2022-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: 1st Franklin Financial Corporation
State: AL

Complaint narrative:
In XX/XX/2021 I contacted a repossession company to voluntarily repossess the SUV that had the title loan repossession company contacted first Franklin financial about the voluntary repossession. First Franklin refused and denied repossession company to repossess said vehicle. 

First Franklin has refused to update my credit report to reflect that's such loan has been fulfilled due to voluntary reposition on my behalf. 

First Franklin financial still to this date has refused to come get said vehicle vehicle has now been listed as abandoned and a new bill of sale and title is given to the new owner.

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 2022-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: DAS ACQUISITION COMPANY, LLC
State: GA

Complaint narrative:
1. On XX/XX/XXXX XXXX I bought his single-family home located at XXXX XXXX XXXX XXXX XXXX, GA XXXX for {$370000.00}. The legal description of the property is Land Lot XXXX, XXXX District, XXXX Section, XXXX XXXX, Georgia, being lot XXXX, XXXX XXXX. 
2. The day of the credit transaction completion and closing, I signed and endorsed a Check/Promissory Note and was made out pay to the order of : DAS Acquisition Company , LLC. 
XXXX. My Promissory Note check was tendered pursuant the law 31 CFR 103.11 ( u ) ( iii ) 4. However I have not received my closing documents in the quitclaim deed from the Seller/Grantor of the property as proof of transfer of all interest with clear and marketable title to the property, and I have not received the Title to the property according to the law at 31 CFR 103.11 ( u ) ( iii ) 5. Pursuant the Law of Money and Finance : Treasury at 31 CFR 103.11 ( u ) ( iii ) ( u ) Monetary instruments ( iii ) All negotiable instruments ( including personal checks, business checks, official bank checks, cashier 's checks, third-party checks, promissory notes ( as that term is defined in the Uniform Commercial Code ), and money orders ) that are either in bearer form, endorsed without restriction, made out to a fictitious payee ( for the purposes of XXXX ), or otherwise in such form that title thereto passes upon delivery ; 6. I have not received any closing agreements, or contracts thereof bearing both bona fide signatures and evidence of lawful consideration by XXXX XXXX, XXXX XXXX or anyone at DAS ACQUISITION COMPANY LLC 7. It appears DAS ACQUISITION XXXX XXXX, XXXX XXXX have devised or intending to devise a scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses or representations and making false claims and reports of making a loan of cash, check or money order. DAS ACQUISITION COMPANY LLC never made a loan. I have contacted DAS ACQUISITION COMPANY LLC and I have submitted a Loan Affidavit to be signed and notarized to verify and authenticate proof of any alleged loan. However over the course of 4 months, DAS ACQUISITION COMPANY LLC, XXXX XXXX XXXX, XXXX XXXX have failed/refused to sign and notarize the loan affidavit document supporting and providing evidence of a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: B9, Inc.
State: CT

Complaint narrative:
B9 card Debit card payday Advance take all my money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mercedes Benz Financial Services
State: PA

Complaint narrative:
I am XXXX Very Bad, XXXX, is hurting me causing damages to my Credit score, Health, Overall Life in general, where as I am due to relocate this month and can not let them check my credit due to XXXX, dropping my score drastically. It has cause headaches and pain not to mention XXXX, XXXX anguish, knowing my chances are next to none now because of XXXX. I have reached out to them multiple times Certified Mail, and they Ignored My Concerns of the Contract that was signed The Dates Were in facts incorrect which means Billing Error, Fraud and False Statements as well as Misleading Representation, I immediately Reached out to XXXX XXXX XXXX to Current all Certified Mail. XXXX Keep Sending The Same Documentation With Contract Dates and Letters From Vice President XXXX XXXX and XXXX XXXX Stating False Information. This is Clearly a Billing Error as we as Misleading Representation. The Date I, The Consumer entered XXXX making a purchase XX/XX/2021, Which is Not The Same Date on Contract Which States XX/XX/2021 and all other Letters Sent in By XXXX Stating XX/XX/2021, I then Ordered Information On Vehicle From DMV to Find Out XXXX has Committed Forgery by Forging my signature to power of Attorney Dated XX/XX/2021, I, did Not Swear Under Oath and Sign Power of Attorney Paperwork Nor Has XXXX XXXX In Front Of Me Nor Notary Dated XX/XX/2021 Whose Name Appears With Her Signature. XXXX Forged My name on Back of Title Vehicle Signed Again By XXXX XXXX. I, Demand XXXX In Writing to Rebut My Statement of Billing Error 's, Date 's, Forgery, False Statements as well as Misleading Representation, If Not Answered Here Through Third Party CFPB My Statement Stands as Truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On viewing my credit report, discovered I had 3 hard inquiries from Bank of America, XXXX XXXX and XXXX XXXX XXXX I never authorized.

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 2022-03-15 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion, XXXX, and XXXX have all been notified of my identity theft report to the Federal Trade Commission. I have specifically notified them that accounts being reported on my credit report by : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX For fraudulently obtained credit cards need to be removed under the FCRA. They have wrongly claimed that they have " researched '' the issues. Their research has been negligent and they are causing me harm by continuing to report this false 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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX reported to my credit 30 day delinquent my score went from XXXX to XXXX. I called XXXX they said the account has never been late and they did not report it as late and that the account is not delinquent. I asked why did they put it on my credit. She said her system shows they didnt, but XXXX was only XXXX  days and thats why it would show up delinquent. This makes no sense because 1st she says they didnt do it, there is no delinquent, then its dispute it, then oh XXXX is XXXX  days and thats why it was reported delinquent Please help me I went from XXXX to XXXX for NOTHING. And they wont help 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 explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY

Complaint narrative:
I am writing to dispute the following operations to my account that were not carried out by me in any physical or online form. I obtained this list by calling the telephone number of attention in XXXX that is on the back of my debit card ( XXXX ). 


Date Merchant/Operation Amount Reason for dispute XX/XX/2022 Cash Withdrawal {$8500.00} This transaction was not carried out by me or with my consent XX/XX/2022 Cash Withdrawal {$19000.00} This transaction was not carried out by me or with my consent XX/XX/2022 Transfer made in a branch {$2800.00} This transaction was not carried out by me or with my consent. I did not go to any Wells Fargo branch to make such a transfer. 
XX/XX/2022 XXXX {$69000.00} This transaction was not carried out by me or with my consent XX/XX/2022 Debit {$45.00} This transaction was not carried out by me or with my consent I opened a claim about unauthorized changes to my personal information on XX/XX/2022, the claim number is XXXX. I informed the bank I could not go to any Wells Fargo Branch for the next few months during the call. How is it possible that the bank did not put a hold on my account and allowed these unauthorized transactions of thousands of dollars after I filed the claim, knowing those are not usual transactions I would make. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amounts be credited to my account, that I get an accurate statement, and that my account is put on hold until I can physically go to a Wells Fargo branch to have my personal information updated and to prevent future unauthorized transactions.

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 2022-03-15 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: AK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act accounts : XXXX ( Original Creditor : XXXX XXXX  ) # XXXXXXXX XXXX XXXX ( Original Creditor : 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  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 instruction.

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 2022-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc
State: GA

Complaint narrative:
I sent Demand Letter to ABC Fitness Solutions for contacting me via ( autodialer or ATDS ) without my consent which violates the TCPA 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ). On XX/XX/2022 the business presented a Membership Agreement that claims I consented to be contacted by phone. 

But I didn't consent to receive calls from an ( autodialer or ATDS ). Autodailers are illegal without prior consent under TCPA.

Company response to consumer: Closed with explanation