vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION
State: NH

Complaint narrative:
XX/XX/XXXX XXXX M & T Bank - email correspondence XX/XX/XXXX - XXXX XXXX XXXX XXXX - email correspondence XX/XX/XXXX - XXXX XXXX XXXX - called XX/XX/XXXX - XXXX XXXX - email correspondence XX/XX/XXXX - XXXX XXXX - phone and email correspondence XX/XX/XXXX. - XXXX XXXX - email correspondence Checking accounts with debit cards have been opened in my name at all of these institutions. I have been in contact with them all by email and phone to report fraud and all of the accounts have been closed. I was referred to my police department but they are unable to help.

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 2023-11-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stuart-Lippman and Associates, Inc
State: CA

Complaint narrative:
My name is XXXX XXXX this happened on the XXXX of XX/XX/2023 we reported this incident to my insurance I asked for video or proof but never got it. 
It was one of my very first experiences 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 XXXXXXXX. We all got out XXXX XXXX XXXX XXXX XXXX XXXX the XXXX said she was ok and her passenger as well. My passenger was OK and so was I. No police report was made because I didn't know I could do that they went on there way and I went on my way. Now fast forward 6 months and she's trying to file a claim towards me for {$7000.00}. Which I think is absurd. This XXXX  has been XXXX in the past and I believe she's trying to report the claim for something that happened within the XXXX XXXX. The debt collectors called me while I was working.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
i checked my report and noticed i had inquiries on there that i didnt recongnize or authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
hello i obtained my report and noticed some credit card accounts on there reporting as closed that im unaware of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
hello i obtained my report and noticed some credit card accounts on there reporting as closed that im unaware of 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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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.

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 inructions 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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hard inquiry that I didnt approve o give permission

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hard inquiry that I didnt approve o give permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Company : Rent recovery solutions Date : XX/XX/2019 XXXX In accordance with The Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Scott Fetzer Financial Group Inc.
State: CA

Complaint narrative:
UNITED CONSUMER FINL S OFFERED A SALES CONTRACT TO ME WHICH LATER FAILED WITH TIMESHARE LEGAL ATTORNEYS. IMMEDIATELY REALIZED I DID NOT NEED THE TIMESHARE LEGAL ATTORNEYS AFTER OBTAINING THE SALES AGREEMENT. THE DEALER IMMEDIATELY REFUNDED UNITED CONSUMER FINL S AND PAID OFF THE CONTRACT. UNITED CONSUMER FINL S REPORTED PAYMENTS LATE WHEN THEY WERE NOTIFIED OF REFUNDED WAS TO BE GIVEN BY TIMESHARE LEGAL ATTORNEYS WHO LATER PAID THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: AZ

Complaint narrative:
On Saturday, XX/XX/2023, I swiped my card at a gas station, for {$7.00} I went to another store, that took about 30 minutes to get to, and spent {$52.00} While i was in transit, someone " swiped my card '' at XXXX XXXX XXXX XXXX. ( I have physical possession of my card ) I noticed the transaction at around XXXX and called Cash App immediately and started a dispute. I called the ONLY XXXX open that day and the manager said he would call me back, which never happened. I then called the XXXX police dept and made a report. Cash app has repeatedly denied my claim and will not explain why other that I made the purchase. Which I did NOT. I have since stopped using the card, pulled all the money out and I'm still getting text messages that the card is still trying to be used by someone. I have notified Cash App that the problem is still there to which nothing has been resolved. 
This is what I found out XXXX does NOT take Cash App cards. 
XXXX does NOT charge XXXX for ANYTHING. 
XXXX is billed XXXX XXXX I am being billed by XXXX XXXX XXXX. which is either a pet shop in XXXX or a trucking company in XXXX AZ which is more than 2 hrs from me. Either way, usually when a legitimate company bills, they have an address or phone number attached to the transaction. In this case, there is no address or phone number. I am only seeking my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX added this account to my credit report, which does not belong to me only belongs to XXXX XXXX. I had my own lease at the time and this debt should not in be in my name. The rental company/landlord already updated the statement and account to reflect her name. They also written off the entire account due to an issue XXXX XXXX was having with them to prevent legal issues with her. XXXX XXXX has ignored my letters explaining this and has refused to remove these off my credit reports with the major credit bureaus

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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.

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 inructions 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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I tried submitting a request for a Legal Name Change with Experian, using their online portal at XXXX : XXXX as stated in the Instructions listed here XXXX XXXX XXXX Yet I tried three times already, and each time, I got an error message stating that it was unable to submit the documents.

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I iust looked at my credit report because I have huge goals. I am looking to buy my first house. I iust wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from 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 explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
i recently checked my credit report and noticed i had some inquiries on my report that i didnt make or authorize 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 2023-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/ I reported a fradulent charge against my bank in the amount of $ XXXX on XXXX The name of the merchant was shown as XXXX XXXX. According to Chase Bank the charge was made with a physical chip-enabled card and after an internal investigation, Chase has refused to reverse to fee. 

My wife has been hospitalized for almost one year and her card was in her purse at our residence all of that time. Nobody had access to her card and it has not been out of the house during that time period. 

I requested and received a phone number for the merchant and spoke to her yesterday afternoon. She indicated that she operates a massage business and her records to not show a charge of {$210.00} on XXXX 

Chase Bank says they have investigated the claim and found that the transaction was processed according to the information provided and was authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX added this account to my credit report, which does not belong to me only belongs to XXXX XXXX. I had my own lease at the time and this debt should not in be in my name. The rental company/landlord already updated the statement and account to reflect her name. They also written off the entire account due to an issue XXXX XXXX was having with them to prevent legal issues with her. XXXX XXXX has ignored my letters explaining this and has refused to remove these off my credit reports with the major credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I iust looked at my credit report because I have huge goals. I am looking to buy my first house. I iust wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from 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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, TD Bank, XXXXXXXX XXXX XXXX XXXX XXXXXXXX pulled a hard inquiry on my credit report. I believe it was for a new credit card. I immediately called each bank and stopped the inquiry and reported it as fraud. 2 days later, XXXX called me and said someone tried opening an account under my name. I immediately said it wasnt me and told them to stop it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
i recently checked my credit report and noticed i had some inquiries on my report that i didnt make or authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
i recently checked my credit report and noticed i had some inquiries on my report that i didnt make or authorize 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 2023-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
My aunt used my credit information while living with me and she eventually passed away ( XXXX XXXX ) is her name because she was alway there at the house I never would see most of the mail. So she was able to open several accounts in my name, the account in question was discover months after her death, all the other account were removed but this one was sent to collections I called NCB to explain what happe ; however they would not help me, they stated if I paid a portion of the debt it would be removed from my credit. Several years later they have not removed this from my credit file, they keep telling me to allow 90 days but tears have past and it still effecting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX, under the Fair Credit Reporting Act Section 609 I requested that Equifax provide me with information regarding items that was listed on my credit report from a company called XXXX XXXX XXXX. The information I requested was the source of the debt that was being reported on my credit. This request was received certified mail by Equifax on XXXX Equifax failed to provide me with the information that I requested within the 30-day period as prescribed by law. As of the present date ( XXXX  ) over a year later, I have not received the information that I requested. 
On XX/XX/XXXXXXXX I sent another request for Equifax to re-investigate this matter and to delete the disputed item with XXXX XXXX XXXX, as the company failed to send me validation of the debt, they had placed on my credit report. Equifax never responded, never reinvestigated, nor provided me proof/validation of the debt ; despite a year passing since my initial request. This letter was sent certified mail and received on XXXX 
On numerous occasions I have requested that Equifax to verify/investigate/delete this specific information on my credit report. Equifax has not complied, which is a violation of Fair Credit Reporting Act 611 ( a ) ( 7 ). I believe that Equifax is acting in bad faith as they have not complied with FCRA requirements.

Company response to consumer: Closed with explanation