vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-21 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: AL

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

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

15 U.S.C. 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
On XX/XX/2020 funds were garnished out of my bank accounts totaling {$1500.00}. The bank also imposed a {$120.00} legal fee. The funds that were garnished were unemployment funds that I transferred from my checking into my savings account which I have attached. I have also attached supporting documents showing that I was receiving unemployment from XXXX. I also have supporting documents showing I filed an exemption with the clerk of courts. I also never received any prior correspondence from Citizens Bank, N.A., XXXX RBS Citizens, N.A XXXX prior to garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX, I received an email from Chase Bank saying they received my application for a Chase Sapphire Credit card. I did NOT apply for this card. I did not click on any links, I simply deleted the email and contacted Chase to ensure the application was canceled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 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: PA

Complaint narrative:
I've sent letters to all 3 of the credit bureaus as well as the companies individually regarding inaccuracy reporting on my credit report of Inquiries I did not authorize and in accordance FCRA I'd like the inquires to be removed immediately. The list of inquires amongst the 3 bureaus as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION 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 2023-10-21 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: PA

Complaint narrative:
I've sent letters to all 3 of the credit bureaus as well as the companies individually regarding inaccuracy reporting on my credit report of Inquiries I did not authorize and in accordance FCRA I'd like the inquires to be removed immediately. The list of inquires amongst the 3 bureaus as listed XXXX EQUIFAX : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX EquifaxXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo made an unauthorized credit inquiry on XX/XX/XXXX that is being reported on my XXXX credit report. I did not apply for credit with Wells Fargo or otherwise authorize the enquiry. 
I have written to Wells Fargo multiple times. They have acknowledged that the enquiry was not authorized and told me that they have contacted XXXX to have the enquiry removed, but the enquiry is still being reported by XXXX on my credit report as of XX/XX/XXXX. 
The unauthorized enquiry has caused and is causing me harm by lowering my credit score and increasing my costs for credit.

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 2023-10-21 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: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
Charges totaling over {$3000.00} were made by a minor without authorization. We received no notification from the bank although this was not representative of our spending habits. We called the bank and were turned away. We were told there is nothing they can do and we must reach out to the vendor to resolve. The other option they gave us was to prosecute our child. We tried to arrange a refund through Google, but were denied. 

The line item for each charge was : XXXX Google XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: FL

Complaint narrative:
Lexis Nexis, I am requesting my consumer disclosure report - whose request online can be found here : XXXX XXXX XXXX  Attached to this are my : - valid drivers license - social security card - proof of address This is a formal request to receive my consumer disclosure report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: PA

Complaint narrative:
I've sent letters to all 3 of the credit bureaus as well as the companies individually regarding inaccuracy reporting on my credit report of Inquiries I did not authorize and in accordance FCRA I'd like the inquires to be removed immediately. The list of inquires amongst the 3 bureaus as listed 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-10-21 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: PA

Complaint narrative:
My name is XXXX XXXX, and I have recently discovered that I have been a victim of identity theft. I am writing this personal statement on my own behalf. My information was utilized to apply and or obtain for financial goods and/or services without my knowledge or consent. I am requesting that the following information be removed from my account : XXXX XXXX XXXX. I am a victim and did not make these changes nor authorize this account to be opened. According to the provisions of the Fair Credit Reporting Act I am entitled to a formal investigation and update of my report. I am requesting this account be removed and a free copy of my report with this change be provided to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
Advanced Resolution Services, I am requesting my consumer disclosure report Attached to this are my : - valid drivers license - social security card - proof of address This is a formal request to receive my consumer disclosure report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: NY

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

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

15 U.S.C 1681 section 604 A sub section ( 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-10-21 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: NY

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

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

15 U.S.C 1681 section 604 A sub section ( 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
Hello, I'm filling a complaint against Santander Consumer USA. They know I had a mechanical breakdown recall on my vehicle since XX/XX/XXXX. The vehicle is still @ the dealership waiting for repairs. Meanwhile Santander wants too put a charge off on my credit report knowing this vehicle is still down on a mechanical breakdown. I can't pay for a vehicle and pay for XXXX, XXXX, XXXX  XXXX and a car note for a car that is not running. I live XXXX mi out. I pay for these services now too get to work due too my vehicle being down for the past XXXX. They don't offer refinancing or don't want to help me in any way. Even when paperwork was presented too them on Lemon Law status of " Breach of Contract '' for vehicle. All they want is money I can't provide. This whole delima has caused me a hardship. Due too shady dealings on XXXX XXXX XXXX. This vehicle is declared a lemon vehicle.Santander consumer has set up repossession. But hasn't repo vehicle because they know it's on a mechanical breakdown. Manufacturer is closed for parts on strike rather. I need the charge off removed.They are trying too cause me more issues instead of providing me relief in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Captial One is appearing under my credit score however I do not own this account. I did not open this account. I requested this account be closed or removed from my credit report. Issue remains unresolved. Capitol one customer support was contacted on XX/XX/2023 they found no records unable to find using my name date of birth nor social. This must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has a lot of inaccurate and negative information on my report. When I tried to go online to obtain and dispute these information, I am getting error code NH. I called Equifax and they can't give a reasoning for the code. They stated it would be escalated. I was told I had to wait for my credit report to be mailed to me within 4-5 business days. I think that is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: GA

Complaint narrative:
I HAVE SENT EXPERIAN A POLICE REPORT AND FTC REPORT AND THEY CONTINUE TO REPORT THE XXXX CHARGE OFF ON MY REPORT THIS HAS BEEN AN ONGOING PROBLEM SINCE 2022. THIS HAS BEEN A HINDER IN MY LIFE AND HAS CALLED A GREAT DEAL OF STRESS ON ME WITH TRYING TO BUY A HOME AND FINDING EMPLOYMENT. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-10-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
I applied online for a personal loan for individuals with low credit scoresXXXX XX/XX/XXXX I received a call ( from phone number XXXX ) supposedly a loan company name " Prosper Loan XXXX. '' The man ( XXXX XXXX ) on the phone stated I was approved {$5000.00}. Mind you he had a thick XXXX accent, even with his name. He verified my personal information, so I'll take it that he retrieved my information through my personal loan application. He requested my checking account information too deposit the funds, after I acknowledged the contract information he sent to me via email. He also requested my debit card number to deposit funds into my account, which I was going to return back. This was just to validate my account, and to make sure my name is on the account, and that I am who I stated I am. 
He notified me that {$1100.00} into my checking account. When I checked my account, the funds was indeed in my account. He gave instructions to withdraw the funds and to buy 3 money card from XXXX and give him the card numbers, which I did. Only to wake up on XX/XX/XXXX to see all these reversed transactions in my chase checking account for the total amount of the funds XXXX XXXX claimed was money from his loan company. I called XXXX XXXX the next day to request my funds back, and that the {$5000.00} loan is not in my account. XXXX XXXX went on to say that the state counselor is requesting taxes because his loan company is in XXXX, and I live in XXXX I told him that XXXX don't have state taxes. He stated that is the law for obtain the loan. He again stated he is going to deposit the tax money, and I need to return it to him via cash app or XXXX money card. He did the same thing by accessing my checking account and reversing paid transactions totaling {$1900.00} from months ago. Payments made to my XXXX XXXXXXXX refused to send him the funds, which made him really upset once he realized that I was on to his scam. I have all the documentation and communication between this company and I. I also has a voicemail from " supposedly his boss who called and threatened me once XXXX XXXX informed him that I am not sending the money back, which they reversed my charges in my account. 
The emailed he used is XXXX. XXXX XXXX is another person who called from the company. XXXX who called and threaten me to blacklist my passport

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 2023-10-21 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: NY

Complaint narrative:
I believe Im a VICTIM IDENTITY the person who stole my identity ACCUMULATE NUMEROUS FRAUDULENT CHARGES ON MULTIPLE DEBIT AND CREDIT ACCOUNTS OVER TIMESPAN WHILE BEING A LIVE IN GUEST AT THE FAMILYS HOME FROM MID XXXX XXXX Ive notified the police in reach out to the company in no action has Been taken

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 2023-10-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: FL

Complaint narrative:
Our mortgage was purchased by XXXXXXXX XXXX  XX/XX/XXXX. Our account number is XXXX. We had damages to our home due to Hurricane Ian on XX/XX/XXXX and we received a check from our insurance company with both of our names ( XXXX and XXXX XXXX ) and our mortgage lenders name ( LoanCare ). We called our mortgage company to find out the proper steps to follow to obtain signature and for the check to be returned to us. We were advised because they had recently purchased our mortgage we could not proceed online and we were given a specific address : LoanCare XXXX Insurance Claims Processing XXXX XXXX XXXX, XXXX, XXXX  XXXX and were advised to write the tracking # XXXX on the bottom of the check. We were advised the check would be signed and mailed back to us in 5-7 days. We mailed the check to the above address overnight and it was received on XX/XX/XXXX. We received a letter dated XX/XX/XXXX which states : Based on your current mortgage loan status and the insurance loss, it has been determined that the claim is classified as non-monitored. This means we can endorse and return the loss draft check to you without further conditions, allowing you to immediately begin repairs on the property. We paid out of our pocket and all repairs were completed prior to receiving the check from our insurance company. We have made multiple calls and also spoke to XXXX XXXX from the resolution team and we still have not received our check. We called again today XX/XX/XXXX and were advised they were waiting to here back from corporate. I inquired where their corporate office was located and the agent told me she had no idea. They are holding our personal money that we could be getting interest on. This is not an acceptable practice and we get a different response every time we call.

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. 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. Please remove these accounts and send me an updated copy of my report after the investigation.

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