vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Receiving bills during a time when I am considered " incapacitated '' and have been in and out of surgeries " since XXXX '' ( doctors note for XXXX XXXX XXXX attached ). 
And during this time, receiving Identity Theft notices and info about medical breeches from various companies. 
I lived at a different apartment complex at that time and was recovering from two surgeries, was on a knee scooter after that surgery ( using a walker currently ) and according to the date my bank says a check was attempted to be given at the leasing office. My personal emails and all info was breached and I even had to change physical addresses during my surgery recoveries.I even had to start sending my XXXX XXXX XXXX XXXX to my mothers home address in XXXX due to this event ( see attached as well ). 

I am still going through another surgery on XX/XX/XXXX ( next week ) but finally able to do a Fraud Report with XXXX XXXX on XX/XX/XXXX. The hack may have been due to the resident files that were stolen during a burglary in the apartment complex where I lived, called the XXXX by XXXX Management XXXX XXXX, TX ( XXXX referenced in complaint with CFPB # XXXX ). 

The XXXX reported the Burglary of the Building in XXXX, Case XXXX to precinct # XXXX to Detective Wall ( Phone XXXX ). 

The information I am giving is just a SMALL SAMPLE of the breach/identity theft issues I have endured, but wanted to al least send the state and federal proof so you do not think I am being dishonest about this. I deal with a permanent XXXX and this has been a nightmare for both me AND my creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$26000.00} XX/XX/2019 XXXX XXXXXXXX XXXX  XXXX {$9000.00} XX/XX/2019 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: TX

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I'm writing today to advise you that your agency is in a major violation.I have been doing some studying myself and i have learned that the only person that give consent is the consumer and thats me.you are allowing improper use of credit reporting against what the LAW has written.The consumer controls the credit reporting not the agency.also Late Payments are illegal to report with out my consent.15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.I XXXX XXXX DID NOT CONSENT to any bank or agency report my consumer report.15 USC 6802B.A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.I AM A INDIVIDUAL CONSUMER ..Under the FCRA, a debt collector must investigate any disputes that are made in writing within 30 days. I have disputed this debt in writing, and your company has not responded within the 30-day timeframe. This is a violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).

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 2023-04-11 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: TN

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and I have not received any investigation results.

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 2023-04-11 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: TN

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Me and my spouse financed {$5400.00} through Synchrony for our purchases at MattressFirm. On XX/XX/2023, we were charged the full amount of the remaining balance on this loan {$5300.00} on one single payment and resulting my spouse having- {$4900.00} on her main checking account. I spoke to Synchrony Bank to ask why has this happened and how should we fix it. I was alleged by them that I made a mistake myself when setting up the auto payment, which they stated I selected to pay the full amount of my statement balance every month regardless we signed up for 36 term loan from Mattress Firm. Their solution was issuing me the refund for my payment and which will take up to 15 days to arrive. They did not provide any solution to cover my overdraft fees nor the effects may gon na cause to lower 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 2023-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/XXXX I went online and paid {$6100.00} to pay my vehicle loan off with Bank of America. I clicked on the account which was the only account listed. I clicked pay my bill and paid {$6100.00}. On XX/XX/XXXX I logged back in and now there were two accounts listed. One was a credit card that was closed in XXXX which now had {$6100.00} on it. I spent hours on the phone with Bank of America on XX/XX/XXXX trying to get this fixed. I was initially told in the morning that they would expedite a refund and the money would be back in my account by XX/XX/XXXX at the latest. The same rep called me back on XX/XX/XXXX in the afternoon to tell me that he spoke with a team lead who was going to walk him through moving the money to the auto loan. Again I was told that this would be complete at the latest on XX/XX/XXXX. I asked to speak with his manager to confirm everything was good, and this rep hung up on me instead of transferring me. 
On XX/XX/XXXX there was no change on the account. I spent another hour of my time on the phone with Bank of America where I was assured by the first rep he could fix this. He then " placed me on hold '' but really cold transferred me to another rep. I had to repeat my story AGAIN to this rep who was so unnecessarily rude. She told me that it would be two billing cycles before I got my money back. I told her this is unacceptable as I have paid my account in full and now this will mean that I will be charged late fees and be reported to the credit bureau as a late payment. She said she could expedite it to 10 business days. Again this is unacceptable because I will be out of my grace period to make the payment again. I asked to speak with her supervisor who was RUDE. She basically told me that They will try to expedite to 4 business days but could not nail down the date of the 4 business days. I asked her about the late fees and possibility of reporting to the credit bureau. She said I could make ANOTHER {$300.00} payment so the account is not considering late. So now my {$6100.00} is in limbo for who knows how long while Bank of America collects interest on the money they basically stole from me and I have to come up with at least another {$300.00} so I am not considered late for THEIR mistake.

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 2023-04-11 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: TX

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I'm writing today to advise you that your agency is in a major violation.I have been doing some studying myself and i have learned that the only person that give consent is the consumer and thats me.you are allowing improper use of credit reporting against what the LAW has written.The consumer controls the credit reporting not the agency.also Late Payments are illegal to report with out my consent.15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.I XXXX XXXX DID NOT CONSENT to any bank or agency report my consumer report.15 USC 6802B.A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.I AM A INDIVIDUAL CONSUMER ..Under the FCRA, a debt collector must investigate any disputes that are made in writing within 30 days. I have disputed this debt in writing, and your company has not responded within the 30-day timeframe. This is a violation of 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
I sent U {$150.00} from USA to Colombia with express payment but the funds where not deliver not the day neither the next day and when I contacted the company they said the complaint may take 7 business days to resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
collection acount

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2023-04-11 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$26000.00} XX/XX/2019 XXXX XXXX XXXX XXXX {$9000.00} XX/XX/2019 2019

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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing inaccurate information that transunion is reporting ( Bankruptcy ). First they replied saying they're receiving information from the courts public documents and from XXXX I have already reached out to the courts and XXXX about this bankruptcy and XXXX was not able to validate this bankruptcy and has since deleted it from they records. I have submitted XXXX letter of deletion to transunion and they have not submitted proof of their verification. Due to section code 1681i if they can not show proper validation ( original contract, signature, ID etc it must be removed. The courts have also verified they do not report to the bureaus! I am in the process of buying my first home and this is greatly affecting 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 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Netcredit/XXXX XXXX my account was opened XX/XX/2021 account was closed and sold to a collection agency that is not legally licensed or registered in the state of Florida as a debt collector or collection agency. Since Netcredit/XXXX XXXX no longer own this account can they please remove all tradelines from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX I was contacted on my telephone by Bank of America, with their actual phone number, showing up on my caller ID. I was asked if I opened a new checking account, to which I replied that I did not. All of my accounts are with Bank of America so when they called me from their phone number, I didnt think anything of it. They told me that somebody was trying to XXXX payments through my new account and then I needed to send the money in my accounts to myself so that no money will be fraudulently taken. They gave me an email address to send it to you and told me within 24 hours the money will be back in my account, when I woke up in the morning and I realized I was scammed I was beyond livid. This happened on XX/XX/XXXX in the amount of {$1400.00}, {$1200.00}, {$110.00} and {$87.00}. 

Bank of America has been extremely unhelpful even though Ive been a customer for over 20 years, and I know other people who have been through the same thing and they were turned their money. I work in the financial industry and I know there are regulations that are in place to protect me and I want all of my money refunded.

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 2023-04-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I don't know what happened, but one thing is for sure : this inquiry is not authorized by me and was done by that creditor without my consent! You must remove this as soon as possible.

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 2023-04-11 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: AR

Complaint narrative:
Unauthorized Credit Inquiries reported to 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

Company response to consumer: Closed with non-monetary relief