vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-24 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: CA

Complaint narrative:
I still have inquiries on my report that are not connected to open accounts 2 from XXXX XXXX which I'm a authorized user and XXXX XXXX which I'm also a authorized user these inquiries are fraudulent and I want them removed an XXXX XXXX gave me 2 inquiries for the same application which is still fraudulent and bringing down my credit score I wish for Trans union to remove them XXXX and XXXX have deleted but Trans union refuses

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 2023-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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
Consumer complaint received 2023-11-24 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: NJ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 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: FL

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 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: FL

Complaint narrative:
A XXXX  ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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

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 2023-11-24 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX  XXXX XXXX, has violated my right. 
15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 2 : it also state a consumer reporting agency can not furnish a account without my written constructions.

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 2023-11-24 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: CA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-11-24 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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I lost my phone. And there were unauthorized transfers from zelle on my bank accounts from different bank. Those transaction taken place between XX/XX/2023 and XX/XX/2023. They change my bank account. I talked to my bank snd they denied my claim. And told me that these transactions are not unauthorized. I think somehow they have access to phones.

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 2023-11-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dankos Gordon & Tucker PC
State: VA

Complaint narrative:
XX/XX/2023, I was provided with written acknowledgment from Danoks, Gordon and Tucker to repay a debt in the total amount of {$2600.00} ( including fees and interest ). As of XX/XX/2023, I entered a written repayment plan to make 7 payments of {$370.00} to satisfy the amount owed with the first payment applied in XXXX. My first payment was made on XX/XX/2023, making the agreement effective and I have made a payment each month since that time ( as agreed upon ). As of XX/XX/2023, I received a new notice from XXXX XXXX indicating that the amount provided in writing on company letter head would not be honored and was no longer valid. She indicated that the debt amount had increased due to interest. There is nothing in the attached agreement or email ( from XXXX XXXX on XX/XX/2023 ) indicating that the amount owed would increase based upon a pier diem. In fact the amount of {$2200.00} does consist of interest as outlined in the written agreement, on company letterhead. I will continue to make a total of seven payments to satisfy the amount of {$2600.00} owed. However, a company can not provide an agreement and then change the terms of the agreement without notice. It is the responsibility of the debt collector to uphold the agreement as outlined. And this is not the case. At no time was I previously advised that the amount of the original debt would change based upon a daily interest. I was not advised the rate of daily interest or any other additional terms. Please review this matter to ensure that it is indeed within legal limits. I have asked for XXXX XXXX for documentation that I was provided indicating that the amount of the original debt would or could change based upon a daily interest rate from the collection agency and that has not been provided. This was requested on XX/XX/2023 and I have yet to receive anything were that was provided during the time I entered into agreement on or after XX/XX/2023. Nor is it outlined in the notice I was provided on XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I am a victim of Identity Theft and I would like to seek your help to help me remove these erroneous information and unauthorized inquiires, accounts, inaccurate names and inaccurate addresses from being reported on my Credit Report. I have no idea of how this fraudulent activity happens and I have no one to suspect. I have not taken any kinds of services, goods, and/or money as a result of this fraudulent activity. I would be more willing to help you if you may need any information to help you remove these items. Thank you in advance : XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Original Creditor ( XXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Original Creditor ( XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 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: NC

Complaint narrative:
NAME- XXXX XXXX XXXX XXXX EMPLOYER- XXXX XXXX XXXX I am writing you FOR THE XXXX TIME to dispute XXXX Inquires that where applied for in my name. I had no knowledge of these accounts, nor did I APPLY FOR ANY ACCOUNTS. Nor did I have a account with - XXXXXXXX XXXX XXXX XXXX, on XX/XX/XXXX. 
I am requesting A copy with my signature in agreement with any and all terms and charges related to the inquires accounts reflecting on my credit report. IF YOU CAN NOT produce THESE DOCUMENTS Please DELETE these Inquires and accounts- XXXX XXXX XXXX XXXX, on XX/XX/XXXX, and also XXXX XXXX - XXXX XXXX. I did not authorize the inquires or did I apply for their credit products. 

I am a real person and this is not the same dispute. No services were used to help me with my dispute. Common sense is common sense and I have sense enough to do things on my own. 

My current address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Please also update this on my credit report. 
Please remove XXXX from my credit report. 

Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!! 


Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: OR

Complaint narrative:
A fraudulent CHEACK was written out of My Bank, Without MY Knowledge or Authorization. Bank CLOSED account AGAINST MY WILL. 
and said that I closed account. 
Caused high Risk score. And prevents Opening a New bank account.

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 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I recently opened a credit card with capital one to use with my mother 's XXXX XXXX XXXXXXXX XXXX  expenses all in one place ... Capital One instantaneously sent car to restricted status and fraud alerting it once activated. Unable to provide assistance to my mother in her time of need and was treated like a criminal when I tried to use it at local XXXX XXXX  and XXXX. Will not do business with this financial institution again and hope they all end up in a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They are such a scam they're call center if filled with XXXX  who refuse to tell you that they are reading a script, probably in the XXXX. Not safe for American consumers financial or judicial lives!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: TN

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

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

15 U.S.C 1681 Section 2 : it also state a consumer reporting agency can not furnish a account without my written constructions.

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 2023-11-24 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my right. 
15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 2 : it also state a consumer reporting agency can not furnish a account without my written constructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Good evening, My name is XXXX XXXX. I have been a victim of Identity Theft. The thief took control of my online account and went did a bunch of unauthorized charges. The bank decided to close my accounts and flagged my accounts. By doing this, I can no longer bank with them OR open accounts in with other banks due to banking reporting systems such as XXXX XXXX XXXX and XXXX. I think it's unfair that even though I've shown proof of Identity Theft and have been a loyal customer for many years, I am treated with such disrespect. Every time I call customer service it's a huge run around and I simply don't understand what to do. I get transferred to another department, explain my story and get sent around again. Please have the bank fix this situation.

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 2023-11-24 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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I filed a dispute with XXXX over my Federal Student Loans being forgiven under a program I enrolled in for Public Service Loan Forgiveness. I submitted letters from XXXX and Federal Student Aid detailing I had met the requirements for Forgiveness and that the loans would be reported by XXXX as " Paid in Full '' XXXX has gotten one loan correct and are now reporting it as paid in full in good standing. My larger loan is being reported as delinquent and late but closed. This is inaccurate. It should reflect the same language as the smaller Student loan. I have called XXXX who has assured me they never reported my loan to XXXX as delinquent. This needs to be corrected. I have never been late over a 20 year period with my student loans. This has affected my credit score which plummeted XXXX points from exceptional to needs improvement.

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 2023-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
My complain is with PayPal I had my PayPal account for over 6 months and I used it regularly So on XX/XX/2023 I received a payment in the amount of XXXX $ split in XXXX payments XXXX {$500.00} $ and XXXX $ Because of this payment I struggled to withdraw funds from my PayPal account I called multiple times to know why, They claimed it was the algorithm that flagged my PayPal account because my account had never received such amount and they could not override the algorithm I explained how and where the payment came from but to no avail For 5 days I struggled and called to find solutions to withdraw my money On XX/XX/2023 I was finally able to withdraw the money which was subjected to a XXXX hour hold XXXX hours into that XXXX hours hold I got an email saying they could not process the transfer and cancelled it And few minutes later I got another email saying my account has been permanently limited Putting me in debt and subjecting me to series of embarrassment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
I believe they add more or extra things and they shouldn't add to my loan also I never receive ant benefit also Toyota financial services have been falling in sending my loan closing letter to receive my gap or whatever terms still pending and the dealer ship where I got havent helping me out to get I spoke before with sales XXXX and nothing including the guys who prepare the paper work in the back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I have many discrepancies on my report have asked for not apt complex for proper documentation verify a very large balance owed was told when I moved out it was XXXX have yet to receive the paper work verify the correct balance and now can not moved into a new apt complex due to this issue

Company response to consumer: Closed with explanation