vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX XXXX XXXX a inquiry from this company ( s ) was pulled from my credit without my notice or authorization. I did not apply for anything with these company ( s ), I believe I was a victim of fraudulent activity. These unauthorized inquiries have negatively affected my credit score and my ability to acquire credit. I need these false items removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: MO

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 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 non-monetary relief
Consumer complaint received 2023-03-01 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: Experian Information Solutions Inc.
State: MO

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 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 non-monetary relief
Consumer complaint received 2023-03-01 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
There is fraudulent information on my XXXX XXXX Credit Report. The following inquiries occurred without my approval or consent : BMO Harris- 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 2023-03-01 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: GA

Complaint narrative:
This letter is now the SECOND and FINAL time I will be contacting you in order to remove the following UNAUTHORIZED inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The documentation you submitted after my first request is entirely inadequate because it does not show authorization bearing my signature for you to access my credit file. Thus, you have not shown you had obtained Permissible Purpose which is a clear violation of the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.You are again instructed to forward any documentation that you believe authorizes you or your organization to make inquiries into my credit report to my address listed above. 
Let me be perfectly clear : I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry.

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 2023-03-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: VA

Complaint narrative:
Hello, I am a customer of PNC Bank. I have a checking account and a savings account. The savings account is a Performance Select Premiere Money Market Account. For the month of XX/XX/2023, the bank credited the savings account with an interest of 1 %. However, the interest rate was supposed to be 1.49 % ( 1.5 % APY ). Throughout the month of XX/XX/2023, I checked the PNC website for the interest rates applicable to my account and my XXXX ZIP code ( https : //www.pnc.comXXXX ). 

On XXXX XXXX XXXX, I contacted my local PNC branch to let them know about the issue. On XXXX XXXX XXXX I was able to speak with the branch manager ( XXXX XXXX ). The manager was also surprised that my account was not credited 1.49 % for XX/XX/2023. The manager elevated the issue. 

On XX/XX/, I received a call from PNC retail support. The customer service representative said that I was eligible for a 1 % interest rate because thats what the computer said. On XX/XX/2023, the customer service representative contacted me to let me know that it was impossible to credit interest on a retroactive basis and that I was still eligible for only a 1 % interest rate. 

I realize that the amount at issue is around {$60.00} ( not a huge amount ) ; however, I have spent over 20 years trying to save as much as I can and place it into my savings account. Given the rate of inflation, every dollar counts. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Flandreau Santee Sioux Tribe
State: MI

Complaint narrative:
I have asked XXXX XXXX XXXX to not contact anyone else but myself at phone number XXXX multiple times, they keep calling people they think are related to me after I told them multiple times not to. They also have given me multiple different stories about amount owed and said they dont know what a validation notice is. They call multiple times in a row multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: MD

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT SOMEONE WHO STOLEN MY IDENTITY APPLIED FOR CREDIT CARDS THAT IVE NEVER AUTHORIZED IVE REPORTED THIS TO THE FEDERAL TRADE COMISSION AND I DID A POLICE REPORT AND THE FRAUDULENT INQUIRY ARE LISTED BELOW XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022

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 2023-03-01 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: MD

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT SOMEONE WHO STOLEN MY IDENTITY APPLIED FOR CREDIT CARDS THAT IVE NEVER AUTHORIZED IVE REPORTED THIS TO THE FEDERAL TRADE COMISSION AND I DID A POLICE REPORT AND THE FRAUDULENT INQUIRY ARE LISTED BELOW XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXXXXXX  Inquired on XX/XX/2022 XXXX XXXX XXXX  Inquired on XX/XX/2022 XXXX  Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: Americas Car-Mart, Inc.
State: TX

Complaint narrative:
Colonial Auto Finance is reporting my nonpublic personal information which are credit transactions and my experiences between them. Which is illegal Pursuant to 15 U.S.C 1681a ( 2 ). I am now opting out of your reporting of my nonpublic personal information.

For as the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, nonverbal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: IL

Complaint narrative:
Inquiries to my Trans Union Report occurred without my knowledge and approval. The following inquiries are fraudulent : XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXXXXXX XXXX XXXX- XX/XX/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 2023-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
In early XXXX of XXXX, I checked my credit score, which I do monthly. I noticed a sharp decrease in my rating and decided to look into the issue further. My credit report listed a collection from a company called Cedar Business Services , LLC. I called Cedar Business Services and they told me a debt was opened with XXXX XXXX and they are collecting on their behalf. The debt was approximately {$750.00}. They told me the debt was opened up under XXXX XXXX using my SSN. My name is XXXX XXXX. Cedar Business Services told me they would obtain documentation on the debt from XXXX so that I can file a police report for identity theft. Despite multiple calls to Cedar Business Services, I still do not have the documentation of the debt. This identity theft on my credit report is materially impacting my credit score. Please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I served on the company a demand for validation of the debt they are reporting that I owe them ; company failed or refused to validate the debt and/or failed to investigate and the company continues to falsely/fraudulently report to the credit bureaus negative comments and/or remarks that injure me and drastically affect my credit score even after failing to validate the debt pursuant to law ( see demand for debt validation letter ( s ) included ), whereas the company is in default and their false reporting must be deleted from my credit report ; this company also violated the law when they canceled the associated credit card ( s ) without lawful authority and absent my consent. This/these lines of credit must be restored forthwith.

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 2023-03-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Florida XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing to dispute several items on my credit report that appear to be in violation of various laws and regulations. The following accounts and inquiries are of concern : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Additionally, there are several accounts listed that are in violation of various laws and regulations, including : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  Charge Off Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXXXXXX XXXX XXXX XXXX Collection Account I would like to request that these items be investigated and corrected as necessary to bring my credit report into compliance with all applicable laws and regulations. I look forward to hearing from you regarding the status of this dispute. 

Sincerely, 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 2023-03-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing to dispute several items on my credit report that appear to be in violation of various laws and regulations. The following accounts and inquiries are of concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to request that these items be investigated and corrected as necessary to bring my credit report into compliance with all applicable laws and regulations. I look forward to hearing from you regarding the status of this dispute. 

Sincerely, 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 2023-03-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Nationstar services the second trust deed on this home. I have requested a payoff multiple times and Nationstar states they do not service the loan or find it in their system. Nationstar needs to find the loan and send me a payoff or send me a lien release so I can close escrow on the sale of my home. If someone at Nationstar would just do their job and look at the facts and see that Nationstar took over the service of the loan only a few short months ago, I wouldn't have to file a complaint with the CFPB to pay them money. Unbelievable. Please deal with my real estate broker, XXXX XXXX, at XXXX and phone # XXXX. He has asked you for this repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I was a victim of identity theft and have a fraudulent account, XXXX XXXX XXXX XXXX, on my EXPERIAN report. I have attempted multiple times to resolve this error directly with the creditor, XXXX, and the credit reporting company EXPERIAN. I recently discovered there is a business account that was opened in 2015, while I was an employee of the company XXXX XXXX XXXX XXXX XXXX XXXX ( this company is no longer in business ). The creditor, XXXX, is claiming I had ownership and opened the account willingly. That information is incorrect and I did not. Without my knowledge, my information was fraudulently used to open an account with the creditor, XXXX. Once disputed with EXPERIAN, I was requested that I provide them with a copy of a identity theft report and a valid government issued identification along with the dispute. I provided both and have attached to this complaint. A federal affidavit, FTC Report # XXXX, stating I was a victim of identity theft and a copy of a valid government identification. The Fair Credit Reporting Act, states that I have rights, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. I know this information is inaccurate. The furnisher of this information, XXXX, is unwilling to accept the federally provided FTC # XXXX Identity Theft Report and the communication I have made stating the information is fraudulent and inaccurate. The furnisher and creditor XXXX, is also claiming payments to this account are currently being made, which is not being paid by me from whom this account is apparently tied to. XXXX and EXPERIAN will not recognize that is account is not mine, nor has it ever been. I was a victim of identity theft and this is fraudulent.

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 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: MN

Complaint narrative:
On XX/XX/2023, MONEYLION suspended my account ( without notice ) stating that they closed it due to unusual activity. They made no attempt to contact me or question me about these purchases being made, which I told them I DID make. They then told me there wasnt anything they can do. They said I had to submit proof of my license, address and a notarized letter from the company that most recently deposited into my account. Ive contacted the company that last deposited into my account ( XXXX XXXX, which is a tax service. I am not able to get a letter from them because they are so backed up with tax complaints. However, this same company deposited into my account early XXXX and MONEYLION had no issues. The supervisor I spoke with said theyve been dealing with this issue with other customers, but yet they cant do anything to fix the problem. They refuse to release my money to me ( a little over {$1000.00} ) and I am not able to pay my bills or rent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XXXX, XXXX. Someone uses a fake ID at TD Bank, Opens a new checking account in my name, and gets access to my TD bank checking account ( ending XXXX ), Transfer all my money I believe was {$2300.00}, to the newly opened account ( ending XXXX ). the newly opened account was overwritten my account. he/she changed my online banking password, address, and phone number. withdrawal of money in two transactions {$1000.00} and {$1100.00} on the same day. ( XXXX )

Company response to consumer: Closed with explanation