vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-06-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Yes on XX/XX/XXXX and XXXX mo ey was taking out my credit karma account from XXXX which I never authorized got refunded back but on XX/XX/XXXX credit karma lock my account to where I can't withdraw fund or anything just get direct deposit I been waiting patiently for them to unlock it to access my fund but nothing yet and I need to pay bills

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act " XXXX XXXX '' with account number # XXXX, and " XXXX XXXX '' with account number # XXXX, and " XXXX XXXX '' with account number # 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 Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2023-06-01 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act " XXXX XXXX '' with account number # XXXX, and " XXXX XXXX XXXX' with account number # XXXX, and " XXXX XXXX '' with account number # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was XXXX 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXXXXXX and the abuse of a XXXX individual as documented in APS reports. 

I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 

Please remove these accounts from all three reports as I am not legally responsible for them as I was XXXX XXXX/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I request that you eliminate the erroneous late payment from my 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 non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Thaxton Investment Corporation
State: IN

Complaint narrative:
I was reading on the settlement for XXXX. I wonder why you haven't gone after a company like Heights Finance for similar practices. I had a loan with them several years ago and when I got to the office to sign it already had every kind of insurance product on it, including their home and auto. It wasn't discussed with me at all. When I said I didn't want it, they told me it was already part of the loan. I ended up calling and cancelling the coverages, but I didn't get any interest refunds. I feel like XXXX 's practices seem far superior to Heights Finance. I have even had my ex-husband and step-son get loans with Heights Finance and they did the same thing with the Auto plan. At least with my step son the first time he got a loan with them, they told him he NEEDED the auto plan in case he hit someone with his car, it would help him with it? Really??? Scare tactics? So why CFPB aren't you looking into companies like this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: OK

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-01 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: PA

Complaint narrative:
I dont have any recollection of these inquiries. I was told I couldnt dispute them if they was 6 months back. 
Name Requested On 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 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 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 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 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 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 explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was XXXX 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX  XXXX and the abuse of a XXXX individual as documented in APS reports. 

I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 

Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.

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 2023-06-01 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: FL

Complaint narrative:
n 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. Account name : XXXX XXXX XXXX Account number 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 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 non-monetary relief
Consumer complaint received 2023-06-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CITIBANK, for more than 4 years I had both personal and company citi bank service, in XXXX, a payment of money was made to me which was deposited in my company account, the payment was rejected due to insufficient funds, and my accounts and all the services I had with Citibank were canceled. 

I understand that one must take care of who receives these payments, but the check received was from a client who had an account in the same bank, and was not in the country, no withdrawal of the funds was ever made nor did the account remain with a negative balance, owing money to the entity. resulting in the closure of all my accounts, and that of the client who made the payment to XXXX XX/XX/XXXX, I went to open a personal bank account in the same entity and the account was opened without any problem, the opening deposit was made, and after 3 days that account was closed without any explanation, without having taken any type of action that could affect the bank or my accounts. 

To the date after I managed to open the account with them I was notified that the accounts were closed and I could not reopen the account with them, without giving me any reason and without knowing why if I comply with all the legal requirements I can not make use of banking services.

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 2023-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Receivables Management Partners, LLC
State: NC

Complaint narrative:
XXXX another XXXXXXXX XXXX XXXX XXXX XXXX in XXXX XXXX NC there is a lawsuit almost settled due to delays in my care and XXXX XXXXXXXX they know that they will be paid when settled the lawsuit is in XXXX XXXX XXXXXXXX that's where they messed me up, I could not even walk let alone work im still in XXXX and on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
My mortgage loan with Select Portfolio Servicing was paid off in XX/XX/XXXX. I recently had the title for my property checked and there was still a lien from them against my property. Unfortunately, the original Beneficial underwriter filed title paperwork for the loan that I declined as well as the loan that I accepted. The loan that I declined never existed. There was never a mortgage and the paperwork was destroyed. I called SPS regarding this issue on XX/XX/XXXX, and sent them a copy of the erroneous title lien the same day. It was uploaded into the account documents that I still had access to despite my account having been closed. I contacted their customer service department and was advised that the request needed to be referred to their reconveyance department for investigation which may take up to 30 days. I advised them to call me if they needed information or documents. I called SPS the week of XX/XX/XXXX and the associate got the impression that they were investigating the lien that was handled correctly despite my calls and the documentation that was sent to them. On XX/XX/XXXX there was a document added to my account that they were investigating my case with a new 30-day timeframe. This is unacceptable. I have a pending loan and this impacts a potential professional opportunity for my ex-spouse as his name is listed on the title as well. I have requested to speak to the reconveyance department and they do not accept incoming calls and I have not received a call from them. I need to have the lien against my property removed. There was never a loan for the corresponding lien.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
From XXXX to XXXX my bank of America account, I never present any type of setback, I never carried out any illegal action, I had my credit cards up to date, I properly used my personal account. 

In XX/XX/XXXX I was notified that my bank account and all accounts related to me would be closed, without any reason or explanation, that account only made transfers by XXXX, air transfer, and personal expenses related to me and my family. 

I was notified that I can not reopen an account with them without any reason for explanation, and arbitrarily closing my account, where at no time is any irregular action present. 

For the date of XXXX, I was never notified that making use of the XXXX was a violation of the bank 's rules. So I would like to know if I could solve this problem with the BANK OF AMERICA bank.

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 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MI

Complaint narrative:
On XX/XX/2023, I was alerted to a collections account opened on my credit report by ProCollect Inc for {$340.00} owed to a company called XXXX XXXX XXXX XXXXXXXX, which is an apartment community in Arizona. I have never lived in Arizona or done any business with this company, and have zero affiliation to this apartment community. I do not owe this debt, and never received any communication from the apartment community or collection agency to inform me of a debt or seek to collect any funds. The first notification I received was simply an alert from my credit monitoring service that the collections account was opened. Also on XX/XX/2023, I immediately filed disputes with XXXX, XXXX, and XXXX indicating that this collection account was not mine. All three credit reporting agencies claimed to have verified the debt with ProCollect and closed the disputes. However, as this debit is not mine, I have no understanding of how it possibly could have been verified. I have no past history with this apartment community or any Arizona company for that matter, which can be verified by looking at my credit history and seeing no credit checks, leases, or reported addresses for this apartment community. There has been no attempt to contact me, but rather, just immediately putting this on my credit report, damaging my credit and reputation.

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 2023-06-01 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: FL

Complaint narrative:
I have a hard inquiry that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: FL

Complaint narrative:
I have a hard inquiry that I have no knowledge of.

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 2023-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2
State: FL

Complaint narrative:
The Vehicle from original creditor, XXXX ( XXXX XXXX XXXX ) was XXXX XXXX in XXXX. I never received notice that the vehicle was sold nor what the remaining balance was after it was sold. XXXX THEN sold my information without my knowledge to a third party ( Persolve Legal Group ). The account has been reported as a charge off and NOT a repo. It was XXXX XXXX and I do not have the vehicle in my possession. Also with the vehicle being reported as a charge off, the third party company is reporting it as an open collection account. How is it open, but reported as a loss/charge off? Persolve Legal Group has also pulled my credit report on multiple occasions without my permission. They have also failed to provide me original documentation on the purchase of the debt and my original contract. XXXX is a predatory loan servicer conducting illegal business and sells your information post repo after claiming a loss on their taxes. So they have also conducted tax fraud. Also in the month of XXXX ( XXXX ), Persolve Legal Group falsely reported my account as 120 days past due. The vehicle was repo 'd THEN charged off in XXXX.

Company response to consumer: Closed with explanation