vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
a month ago i received a copy of my credit report and i noticed some accounts that not mine i never used

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 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: MD

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2023-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
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

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 2023-12-09 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: CA

Complaint narrative:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt know follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-12-09 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: NM

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. 

Account name : XXXX XXXX XXXX XXXX XXXX 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 2023-12-09 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: NM

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. 

Account name : XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
Requested to have the late remarks stricken from my report so I can close on a house, but the lenders are refusing to remove said remarks due to their opinion that the information is accurate so they don't need to remove it. The problem with this is that the payments have been made, the delinquencies have been resolved, and a thorough explanation was given regarding what happened to cause the delinquency to begin with. They didn't care. They seem to think that just because it occurred to begin with, I should suffer from such and that they are under no obligation to help out at all. All communication was done over the phone with the lendersXXXX XXXX XXXX XXXX and XXXX. The lenderS said the information is accurate and to talk to the credit bureaus. Then the credit bureaus tell me that they only report what the lenders tell them and to go back and ask the lenders to remove it. I have been filing disputes and talking to them but they're dragging this out and I only have so much longer before the seller backs out and my loan possibly gets denied due to these late remarks. I don't know what else I can do because they won't work with me and they aren't doing their job of removing these remarks. I am working with XXXX XXXX  to do better and take the necessary steps to have a healthy credit. The date I'm referring to is XX/XX/XXXX  's payment for my {$2300.00} auto loan with XXXX XXXX XXXX XXXX and {$1400.00} loan with Fortiva. Yes I was late, but I've explained that it was due to medical issues with me and my XXXX  being sick and being worried and distracted by this that I ended up being late. I need a home for my family, so I won't let this happen again because I'm trying to do right by my child. I don't know what else I can say or do to get them to do their jobs, please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Trust Management LLC
State: TX

Complaint narrative:
They have been calling daily. They dont identify themselves. They ask me to verify my information and when I refuse because I dont even know whos calling the proceed to tell me they already have my information and then they tell me my address, date of birth and social security number and keep asking me to verify. They never say what the call is about. They have left a voicemail stating theyre from Global trust management and give me a number that does not match what global trust management has on their website. They call from various local numbers. I have asked them not to be calling my number but they yell over me and then hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was in the process of buying a house and i realized i had damages on my credit report. According to the ( 15USC 1681 law ) there should not be any damages on my report, it is a defamation to my character.

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 2023-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
I never received a phone call ( never left a voicemail ), mail, or email regarding this debt collection. I asked for the hospital to send me an itemized list to compare pricing to make sure they were not over charging me. And they never did. I called and let them know I never received the list. And they never called me back.

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 2023-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE & WEINER XXXX XXXX XXXX XXXX XXXX section XXXX A States I have the right to privacy. XXXX XXXX XXXX section XXXX section XXXX also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : No consumer reporting agency XXXX 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 more than XXXX years. XXXX XXXX XXXX ( A ) ( XXXX ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX  my account was compromised. Someone deposited fraudulent checks into my account totaling {$4200.00}. This amount was deposited into my checking ( {$2200.00} ) and savings ( {$2000.00} ) Someone also added themselves to my account via member-to-member and took an additional {$1000.00}. I contacted my bank ( Navy Federal ) about this and spoke with a representative and they assured me that this matter will be investigated. I received a letter around three days later saying that they investigated it and they found that no fraud occurred. The letter they sent me was dated XXXX, a day after I initiated my claim. I feel like if a true investigation was conducted, it would take more than a day. The representative I talked to said it would take 10-45 days. I called them back and talked with another representative and was told again that the investigation would take 10-45 days to complete. I again received a letter in the mail dated the day after my second call to them. They also sent me a copy of the checks and you can clearly see that these checks are fraudulent and the signature is not mine. These checks are for the same amount ( XXXX ). Whoever got access to my account deposited the same check multiple times. 
Once the money was available in my account, the fraudster then withdrew the money from the fraudulent checks into another account. It looks like an XXXX account. Then took my actual money ( {$1000.00} ) via member-to-member. I informed my bank that I did not know this person and I don't know how they got access to my information. 
Hopefully CFPB can help me resolve this matter so that I can get back the money that was stolen from me and put my account back in the positive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: NY

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 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: NC

Complaint narrative:
Credit inquiries that I did no authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: GA

Complaint narrative:
Dear CFPB, I am writing to express my dissatisfaction with the resolution provided by Equifax and XXXX concerning my credit report disputes. I believe their closure of my complaints lacks strong verifiable proofs and has left me in a state of frustration. 

Both Equifax and XXXX have informed me that the disputed accounts were considered valid, yet their explanations indicated uncertainty due to a lack of response from the furnishers of information. In contrast, XXXX has taken a different stance, declaring the disputed account as current and invalid. The inconsistency between these credit bureaus is causing significant distress and has led to the continued reporting of unverified and invalid information on my credit files. 

This situation is undeniably unfair and reflects a lack of diligence on the part of Equifax and XXXX. Their failure to thoroughly investigate and resolve discrepancies in my credit report is not only disheartening but also has tangible consequences on my financial standing. 

I kindly request the Consumer Financial Protection Bureau 's intervention in reviewing and addressing this matter. I believe that a comprehensive and unbiased investigation is necessary to rectify the inaccuracies in my credit report and ensure fair reporting by all credit bureaus involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax had a data breach and I checked to see if my information was part of that breach. And the claim form I submitted shows that my information was affected. 

Also, part XXXX of the problem is, XXXX  also had a data breach back in XXXX of this year. And my personal information was also affected in this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: FL

Complaint narrative:
After I used my direct Express comerica Bank pre paid debit card at the XXXX ATM machine at XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX on XX/XX/XXXX at XXXX to take out {$600.00} that left me balance of {$200.00}, I then started having issues with my direct Express comerica Bank XXXX on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX And at XXXX XXXX, it stated chip error and card not valid. When I went back to same XXXX ATM machine at XXXX it printed receipt saying the number of daily withdrawals has been exceeded, please contact your card issuer. And receipt shows no balance. I never used my card to get any money out on XX/XX/XXXX. I tried calling customer service to get agent on phone but it won't allow you to talk to live agent, it gives you pre recorded junk messages no option for live agent, was only able to close out card and request new card, But not able to dispute any charges on the account nor tell agent account is compromised putting my XXXX benefits at risk of further be stolen. I reported card damaged and requested a new card be mailed not received yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank - Issued a Cashier 's Check the date on the check is XX/XX/XXXX with " Void after 7 years '' printed right next to date. On XX/XX/XXXX ( within 7 years ) electronically deposited check and is was returned with the reason " Stall Dated. '' Went to Chase Bank to resolve issue and have Cashier 's Check reissued. They advised they follow California Regulations and after 3 years send to the State of California Unclaimed properties. Band provided that State of California Unclaimed properties phone number. Bank lied monies have not been sent to State of California when I called and went on CA Unclaimed website and my monies are not there. Bank has failed to in accordance to CA regulations sent me any notification monies need to be claimed or will be deposited with the State of California. 
Chase Banks explanation on " Void after 7 years '' printed on Cashier 's Check is Chase Headquarters is in Ohio and that is the template they use. This makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Toyota financial services is not marking a payment I made on my credit report. Rather than mark my payment current it marked as ND which dropped my credit report XXXX points. I had extended my loan and was told that it would not affect my credit and even paid my car off before the extension was over.

Company response to consumer: Closed with explanation