vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 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: TX

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: TN

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Numerous calls, all reroute to service teams overseas, NO one can fix access to my information on their system : XXXX XXXX XXXX 

I can not request my free credit report, I can not Freeze or Unfreeze my file, I can not do anything in their portal! 

I have to firmly inform them of the liability of not allowing me to access my information. I was transferred to the escalation team manager, who in a very few minutes, identified my account was linked to 2 addresses, mine and my son, thus not allowing for access. 

The manager told me this was a Transunion mistake and once she removed my son 's address ALL went back to work ... hours of being bounced in the phone. TERRIBLE, INJUST and...

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 2023-07-19 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 have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

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 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: NC

Complaint narrative:
I received my tax refund, which was paid into my credit karma spend account. Within 24 hours, my credit karma spend account was frozen, and there was no one to contact. I was able to contact them via chat, and they informed me that they had escalated my matter to another department and that I should expect an email. I have not been contacted, and my money remains in the account with no assistance. This has put me in a financial bind, and I am really dissatisfied with the situation. I want credit karma to release my funds so that I can take care of my banking needs elsewhere. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: PA

Complaint narrative:
I am making a complaint about an incorrect collection account on my credit report maintained by Equifax. The collection agency name is XXXX XXXX XXXX XXXX and the original creditor is XXXX XXXXXXXX. The information on this collection account is incorrect. Despite several attempts to dispute the collection account with Equifax, it is continually marked as 'verified '. Furthermore, I have sent a debt validation letter via certified mail to the collection agency, XXXX XXXX XXXX XXXX. It has been over 30 days since they received the letter ( see attached PDF of the Electronic Delivery confirmation ), but they have failed to provide any validation for the debt or proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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:
I do not owe any debt to this collector. While this collector did very a debt with a completely different company they do not and can not state that any debt is owed to them on my behalf. The collector issued a cease and desists on XX/XX/2023 but resumed reporting on XX/XX/2023. Please see attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: TN

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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: IL

Complaint narrative:
{$630.00} Was charged to me on XX/XX/XXXX When I moved out of XXXX XXXX apartments of XX/XX/XXXX. This company I.Q DATA CALLED ME AND TOLD ME I HAD TO GIVE THEM {$630.00} FROM XXXX XXXX APARTMENTS. BECAUSE I DIDN'T WASH THE WALLS THE REFRIGERATOR OR THE STOVE AND COUNTER TOPS. I DIDN'T CLEAN ANYTHING WHEN I MOVED TO THESE APARTMENTS IN XXXX THE APARTMENT WORE ALREADY OUT AND OUT DATE WITH PAINT CHEAPING OF THE WALLS! WATER LEAKS IN TOP OF LIVING ROOM CEILING OLD CARPET THEY VACUUMED. WITH BATHROOM DOORS FALLING APARTMENT. SO IM BEING ASKED FOR {$630.00} NOW AND THEY TRYING TO MAKE ME PAY FOR SOMETHING I DIDN'T DO I MOVED OUT ON XX/XX/XXXX. LIKE HOW LONG I'VE LIVE THERE THAT'S AGAINST THE LAW. AND YOU PUT THIS ON MY CREDIT AND You KEEP HARRSING ME. ABOUT SOMETHING THAT THEY SHOULD UPGRADE BECAUSE IT'S A DISGRACE TO LIVE THERE. YOU KEEP CALLING AND SENDING ME BILLS TO MY ADDRESS. AND I WANT TO NO WHAT HAPPEN TO THE {$350.00} I GAVE THEM THE MAN GONE LIE AND SAY IT WENT ON MY FEE. THAT WAS A SMALL 2 BEDROOM APARTMENT WAS NOT A THING WRONG WITH IT. IF IT WAS WAY SOMEONE MOVE IN THERE THE NEXT WEEK.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: MN

Complaint narrative:
On XX/XX/2023 I received a phone call from XXXX. A woman on the line who had a XXXX XXXX that was very difficult to understand said she was calling to collect on a debt. She claimed to be from US Asset Management Inc. She asked how I wanted to pay the debt. After repeated attempts to get her to name the company and receiving unintellibible answers I told her that the debt could not be legitimate, I was not going to give her any financial information and she was not to call me again. Though she claimed to be from US Asset Management , INC the caller ID showed XXXX XXXX XXXX  '' I performed a reverse phone number search via XXXX and neither company was associated with the above phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
on XX/XX/23 i mailed a formal dispute to equifax and have yet to get a response i have called them and they have my letters but have not processed the disputes i have requested

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
15 U.S. Code $ 1681C-2 a consumer reporting.agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
15 U.S. Code $ 1681C-2 a consumer reporting.agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
On XX/XX/2023 I made a mobile check deposit to my HSBC checking account. The check deposited was for about {$600.00} and it was a company check issued by XXXX bank. That same evening, I tried to sign into my HSBC mobile app and was unsuccessful due to my account being suspended. After several unsuccessful hours of attempting to reach XXXX, I was finally able to reach someone and was told that my account was blocked due to my mobile check deposit and that Id have to call back the the next day. 

On XX/XX/2023 I called the security department at HSBC as I had been advised. It took me five attempts of calling and being transferred to various departments before I finally reached a bank representative. The representative was less than helpful and told me that I would regain access to my account after they finished their investigation and verified my deposited check which could take 5 business days. 

I then contacted XXXX XXXX, XXXX XXXX Relationship XXXX as well as XXXX XXXX, VP via email and copied XXXX XXXX, XXXX. Hours later, I received the following response from XXXX : Thank you for your email and I understand your frustrations. Unfortunately, I cant remove a block placed by our Security Team and the Security Team will need to complete their investigation. I have logged a complaint on your behalf, XXXX and the XXXX XXXX can be reached at XXXX, Monday to Friday from XXXXXXXX XXXX XXXX to XXXXXXXX XXXX XXXX 

I replied to XXXX and left a third voicemail, asking her to call me. I explained that I certainly can understand HSBC holding the deposited check funds until they successfully verify that it is a good check. However, what is not acceptable is that HSBC has blocked me access to all of my funds including my payroll direct deposit that will be deposited this week. 

Due to the suspension of my account, my family has no access to any of our funds. Im unable to pay my mortgage on time or even buy groceries for my children. I have been a good customer of HSBC and have direct deposits every month that range from $ XXXX $ XXXX. It is appalling that HSBC would block me from accessing any of my money while they investigate a valid XXXX bank check. It is also appalling that HSBCs security team that placed the hold is impossible to reach directly and that Im advised to wait the length of the investigation. This is unethical and not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: MN

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

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 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.

Company response to consumer: Closed with explanation