vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint is in regards to XXXX XXXX XXXX XXXX # XXXX. I opted out from this company XX/XX/XXXX. They are violating my federally protected consumer rights. The Privacy Act of 1974, 16 CFR 433.2- Preservation of consumers ' claims and defenses, unfair, or deceptive acts or practices ; 16CFR 433.3-Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of 16 CFR 433.2 ( A ) ; 15 USC 1681-Permissable purpose, 15 USC 6802-Obligations with respect to disclosures of personal information, 15 USC 6805-enforcement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
This is a second attempt complaint : Subject : Dispute of Debt and Request to Cease Communication Dear Sir/Madam, I am writing to dispute the validity of the debt referenced in your letter dated XX/XX/2023. I was on a XXXX tour in XXXX, XXXX. According to your communication, I am purportedly indebted to Central Portfolio Control , Inc. in the amount of {$2200.00}. However, I have no knowledge of this debt and do not have any outstanding obligations related to the matter mentioned. In accordance with the Fair Debt CollecLon Practices Act ( FDCPA ), I am requesting that you provide me with detailed information about the alleged debt, including the name of the original creditor, the account number, and a detailed breakdown of the charges. 
Additionally, please provide any documentation you have to support the validity of this debt. I am also exercising my right under the FDCPA to request that you cease all communications with me regarding this matter. Please take note that any further communication from Central Portfolio Control , Inc. in relation to this alleged debt will be considered a violation of the FDCPA, and I will not hesitate to pursue legal remedies available to me. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: WA

Complaint narrative:
Opened the Loyalty Checking account on XX/XX/XXXX, deposited $ XXXX, received the {$300.00} welcome bonus. Then after successfully linking an external account, I proceeded to initiate an external transfer for $ XXXX on XX/XX/XXXX. Since then, my account has been locked. Called on XX/XX/XXXX and they said the account is under review for fraud. They requested to email my ID and a bank statement ( for external account ) to prove that the external account was indeed mine. They told me to call back in 10 business days thereafter. 
So adding an external account and transferring money out is considered fraud???!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting 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: AZ

Complaint narrative:
Without proper authorization, the creditor conducted this inquiry! Remove it as soon as you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of institutions below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Creditor Account # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Agencies 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 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. 

Please help me with these inaccuracies because they are stopping me from being able to get jobs that i have recently applied for. I am currently unemployed and i have had to give on great opportunities that could lead me to living a better life for me and my family. The possibility of me ever becoming a homeowner is becoming a greater threat as time passes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of institutions below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Creditor Account # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Agencies 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 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. 

Please help me with these inaccuracies because they are stopping me from being able to get jobs that i have recently applied for. I am currently unemployed and i have had to give on great opportunities that could lead me to living a better life for me and my family. The possibility of me ever becoming a homeowner is becoming a greater threat as time passes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Complaint filed Tuesday XX/XX/XXXX @ XXXX EST When I opened my Citgo Rewards Card ( serviced by Synchrony Bank ), I requested Paper Statements. I received my first paper statement which covered transactions for the period of XX/XX/XXXX to XX/XX/XXXX and had a payment due date of XX/XX/XXXX. I made my {$180.00} payment on time. Per their normal practice, they switched my statement delivery to electronic, without my consent. Since I did not have an online account to receive such statements, I never received the next statement for the period of XX/XX/XXXX to XX/XX/XXXX with a due date of XX/XX/XXXX. I called Synchrony bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a copy of the Statement for the period of XX/XX/XXXX to XX/XX/XXXX with a due date of XX/XX/XXXX and they say their system is Not able to retrieve that statement, because it does not even appear in their system. I was afraid that my credit would be harmed by a late payment, so I asked for their payment mailing address and what the current balance on the account was. I was told my current balance was {$220.00} which I am not able to substantiate or reconcile with my receipts, but mailed that amount to Synchrony anyway. Please order Synchrony Bank to provide me with the missing statement. Also direct them to stop switching Customers automatically over to the electronic statements after the first statement is printed, which I was told by a representative at Synchrony Bank is their normal practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/ XXXX reports an old account to the 3 major credit bureaus as delinquent. This is inaccurate and unfair reporting. I've disputed this account several times and requested that they remove the account in accordance with Fair Reporting Act codes. 

XXXX had the nerve to delete the credit account but leave the inquiry on my consumer report after already admitting fault for the unidentifiable account. The inquiry is still showing after the account was remove due to identity theft. This has cause GREAT HARM and I am currently under Duress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
IC SYSTEM ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account claims was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I received a letter dated XX/XX/XXXX from Bank of America stating they attempted to mail a check in the amount of {$1100.00} for the execess funds remaining on a home loan escrow account. I called Bank of America on XX/XX/XXXX regarding this letter, explained that I had divorced the co-borrower on the loan and asked for the check to be re-issued in my name solely, as the payments for the mortgage over the last year had come from my personal bank account. I was told to mail in the attached form and a copy of the Divorce Decree and Separation Agreement. I mailed these in the next day. 

I received a second letter dated XX/XX/XXXX stating that " The divorce decree and marital separation agreement states that the property will be split '', and asking for additional information regarding my divorce. I spoke with two different representatives on XX/XX/XXXX requesting the refund check be split, so I could be mailed my half of the amount in accordance with the decree. I was told they are unable to follow the Court Order without written consent of the co-borrower, my ex-spouse. I explained that it is not safe for me to be in contact with my ex-spouse, and asked for a Bank of America representative to contact him if they needed his consent. They refused. 

Bank of America is refusing to follow a Court Order, and instead is choosing to profit off of me by not releasing my half of the refund.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am highly disappointed with this company with the way they are handling this issue I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in a word document, I am a victim of identity theft.I have mutiple accounts I DID NOT apply for listed on my credit report.I ask that these items be deleted so my credit report will only show accurate information.I reported the theft of my identity to the federal trade commission and enclosed copies of the report, I will like these items deleted from my credit report as soon possible.I have attached my affidavit and other supporting documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX Pentagon Federal Credit Union reports an old account to the 3 major credit bureaus as delinquent. This is inaccurate and unfair reporting. I've disputed this account several times and requested that they remove the account in accordance with Fair Reporting Act codes.

I've included Two PDFs ( s ) showing the inquiry and showing Pentagon federal Credit Union Removing the inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried sereval times to submit my disputes and it seems as if my account is not allowed to do so. 
During my review of Transunion File # XXXX, I discovered that undisclosed personal information was shared with a non-affiliated third party without my written consent. This violates the Fair Credit Reporting Act ( FCRA ) and my right to control the disclosure of my personal data ( 15 U.S.C. 6802, 15 U.S.C. 1681b ). As per the FCRA, I must be informed and empowered to opt out of such disclosures, which did not occur.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
1. Jefferson Capital system keep reporting false credit reports and saying that I have debt with them at the amount of {$8600.00}. I do not have an account nor have I ever dealt with this unknown company.. 
2. XXXX XXXX XXXX keep reporting false report and putting this in my credit file in collections and I never have dealt with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo is reporting a closed account to third parties without my authorization, In accordance with the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, as the consumer, may have given said company whether written, verbal, or non-verbalper 15 USC 6802 to report my personal information to third parties such as credit reporting agencies like XXXX, XXXX, and 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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCM Finance LLC
State: MS

Complaint narrative:
I been trying to contact the company since XXXX of 2023 when I first seen it on my credit as ccm finance. The company is rude and asked me if I was going to pay a car note. I explained to them that I never finance a car with them. They asked me all kinds of questions about my address and phone number. Next thing I know I was getting harassed about a vehicle I have no knowledge of. The company let someone fraudulently open up an account in my name. They have been using my personal information trying to open up bank accounts, credit cards and auto loans. I have over 40 inquiry on my credit. The company has been fraudulent opening up auto loans in people names.they have copys of my identification and ssn. Im not sure how they got my information but they have .The contact information the credit account show is a fake contact number and an incorrect address. After looking on the XXXX XXXX website, i learned I wasnt the only one. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to follow up on a matter that I previously brought to your attention regarding these unidentified and unverified negative accounts on my credit report associated with : -- -- -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  -- -Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to follow up on a matter that I previously brought to your attention regarding these unidentified and unverified negative accounts on my credit report associated with : -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- -Experian -- -- - 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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
My identity was stolen in 2018. The individual that committed this crime apparently purchased a vehicle from Credit Acceptance Corp. The individual XXXX XXXX pled XXXX and went to XXXX. I have submitted all police reports regarding this crime to this company that I know nothing about. The Contract that Credit Acceptance Corp produced does not have my signature anywhere on it. It has my SS # wrong, my date of birth wrong, my address wrong, my name wrong, and my employment wrong. My attorney has written them habitually, however, IT IS STILL ON MY CREDIT REPORT! Due to this Company, my interest rates are higher for my vehicles and credit cards, can't obtain financing for a home. I have submitted the Federal ID Theft Documents, Police Report, and case number to both XXXX on 4 different occasions and XXXX AND CREDIT ACCEPTANCE CORP will NOT REMOVE IT FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
Hello, on XXXX, XXXX XXXX  I went to XXXX to finance a used vehicle. At the time of finance, I only authorized for my credit to be checked once in House. Now that I am reviewing my credit report, it appears that my credit was ran multiple times. This is affecting the number of inquiry that I have on my credit report, and it has a significant impact on my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
Hello, on XXXX, XXXX XXXX  I went to XXXX to finance a used vehicle. At the time of finance, I only authorized for my credit to be checked once in House. Now that I am reviewing my credit report, it appears that my credit was ran multiple times. This is affecting the number of inquiry that I have on my credit report, and it has a significant impact on my credit score.

Company response to consumer: Closed with explanation