vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-19 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: NC

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In regards to the claim submitted on XX/XX/2022 experian did not have permission to buy, or purchase consumer report, sell or alter the social security number for profit. Theres no contract which proves any debt is owed which involves the furnisher which constitutes the employees of experian did not investigate the matters. No debt can be validated pursuant to 15 usc 1692g otherwise produce the contract. XXXX XXXX XXXX admitted experian, XXXX XXXX and XXXX XXXX have violated credit reporting rules. Theres no debt because theres no money. The financial institutions are running a racketeering and money laundering scheme for profit by altering and selling social security number and monetizing off the birth certificates which are all security instruments. If this is denied than proof must be provided!

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 2022-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is the same as my complined # XXXX against Bank of America XXXX I got a call from XXXX no last name from Bank of America on XX/XX/XXXX he left me a message with his phone number XXXX ext XXXX, yesterday XX/XX/XXXX I called him twice and he never returned by call, this is the XXXX they take, he made the call and that's all he need it to do. I want Bank of America protect the consumer that has already complainded twice and to flag this individual for identity theft.

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 2022-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LTD Financial Services, L.P.
State: FL

Complaint narrative:
No contract, fraud account no knowledge of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
Validation of debt was submitted to this company via certified mail on XX/XX/23. Receipt of confirmation as received. They failed to respond to the validation of the debt. IQ Data International and the Original Creditor XXXX XXXX XXXX  were contacted regarding incorrect charges. Both failed to respond. IQ Data International also violates FDCPA guidelines by not allowing enough response time on their original notification.

The amount of debt IQ Data International intends to collect is {$1900.00}. That is incorrect. I never refused to pay the debt. I asked the debt collector to contact the original creditor to revise the amount and contact me when the charges were revised. I was not contacted, and the company did not call me after they received the validation of the debt and had to cease all communication to remain in compliance. But they should've contacted me in writing. This indicates that they did receive the XXXX, yet failed to respond. IQ Data International proceeded to report this debt to my credit, they were also contacting my child who was a minor at the time the account in dispute was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Netspend Corporation
State: PA

Complaint narrative:
I recieved a Prepaid NETSPEND Credit Card in the mail that I did not ask for ... The tag line is " Welcome Back '' with my name under it. The mastercard circles are also on this mailer. This made me believe that someone had applied for a card in my name or that something else was happening. After reading the small print that this was a Prepaid card and that NO credit reports were pulled and that no application had been sent to generate this mailing and that I was to dispose of this securely if I did not want it. If I wanted it, I would have asked for it. It is not right for companies to send faulty advertising trying to XXXX consumers into stuff that we don't need. The only recourse I have is to report them to my State Attorney General 's office and 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 2022-10-19 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: DISCOVER BANK
State: TX

Complaint narrative:
I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: LA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-19 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: PA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-19 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: PA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: GA

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-19 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: GA

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX : XXXX Helllo, dear 1. XXXX I made a wire transfer XXXX usd to my partner to purchase a car on the car auction who has account in Bank of America 2. XXXX it passed my corresponding bank and now payment is on approval in Bank of America I attached XXXX and all the required information 3. Regarding to the uetr-code, the payment is on approval in BofA since XXXX 4. XXXX I sent the inquiry on payment cancel due to long approval time-several messages from XXXX XXXX XXXX my correspondent bank ) were not replied Please help me to get the reply from bank and cancel it because I and the seller receive the greatest amount of penalties due to the contract conditions All my attempts of contacts to Bank of America were canceled, no action or support was made Waiting for your kind support and reply Uetr-code : XXXX XXXX  detail attached

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 2022-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CarMax, Inc.
State: MI

Complaint narrative:
Carmax Financial repoed my car in the middle of the night with no prior notification. I sent off full payment to them on XX/XX/2022 and they still repoed my car. This is the 2nd time that theyve violated my rights and had my property taken without any judicial involvement and without any proper notifications. 15 USC 16926 ( f ) states that Carmax has violated the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-10-19 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-19 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-19 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: NY

Complaint narrative:
STARTED SAVINGS ACCOUNT IN. IN XXXX OF MANY WITHDRAWLS STARTED COMING OUT OF MY XXXX XXXX ACCOUNT FROM CREDIT KARMA. XXXX XXXX XXXX XXXX AND MANY XXXX DOLLER WITHDRALALS. WHEN I TRYED TO STOP THEM RELEAZED THE PHONE NUMBER TO ACCESS ACCOUNT HAD CHANGED. XXXX TRACKED MY PHONE TO THE SAME AREA WERE THE MONEY WAS TAKEN OUT AT A XXXX STORE. AFTER MOUNTHS OF DISPUTES AND TRYING TO GET THE NUMBER OFF MY ACCOUNTTHE MONEY WAS GONE MANY CHECKS BOUNCEED AND OVER XXXX IN FEES. XXXX XXXX FILED COMPLANTS CREDIT KARMA REFUNDED AND 1 WEEK LATER THEY TOOK IT BACK. IT TOOK 4 MOUNTHS TO GET THE PHONE NUMBER OFF MY ACCOUNT AND CTEDIT KARMA KEEP DISCONECTTING PHONE CALLS. WE FILED POLICE REPORTS AND CONTACTED FDIC WHO IN TURN SENT US TO YOU.IM SENDING SOME OF THE PAPER WORK THAT SHOWS UNKNOWN DEVICE AND TIME STAMPS THAT ARE TIMES WE ARE NEVER UP AND ON ANY COMPUTER.THIS HAS CAUSED US TO CLOSE DOWN BECAUSE WE CAN NOT RUN CREDIT CARDS BECAUSE OF THE FRURDULENT ACCTIVITY.IT HAS ALSO CLOSED 3 CDEDIT CARDS OF ARES BECAUSE OF BOUNCED PAYMENTS. WE CAN NOT OPEN A ACOUNT WITHOUT PAYING XXXX XXXX A NOTHER XXXX ON TOP OF THE XXXX WE ALLREDY HAD TO PAY BACK TO KEEP OPERATING. THIS IS CRAZY TO STILL BE TRY TO GET THIS RESOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Recently, the last month or two, Ally Bank has been very difficult to reach. I have banked with this company for over 10 years and they have always been immediately available or with wait times less than 10 minutes. However yesterday ( XXXX XXXX ), I wanted to replace my lost debit card. The first call cut off after 47 minutes of waiting, the second after 50 minutes of waiting. This morning ( XX/XX/XXXX ) their estimated wait time, at XXXX am, was 75 minutes At least today, they offered to call me back. It has been over 30 minutes and I am still waiting.

I realize that this is not an emergency situation. However, if I was traveling or some other dire occasion, what would I, or any other customer, do? There is a place on their website to 'lock ' your card. Shouldn't there be a place to request a lost or stolen card? I am sure there could be enough safeguards for that. At the very least their call time response needs to improve drastically. And dropping calls is not on my end, my phone never drops calls. I plan to find another financial institution in which to place my money.

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 2022-10-19 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: NY

Complaint narrative:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2005 Balance : {$14000.00}

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