vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 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: NV

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right, * to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: TN

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, Bank of America closed my account for no reason. 

Today, XXXX months later, I have not received yet the money I had in my account. I just called the bank to ask for when would they release my money and they stated that they don't have a time frame for this. Meaning, they could hold my money forever? I truly do not understand. 

I understand that Bank of America can close my account at any time they want or for whatever reason. But, for how long can they legally hold my money? 

I ask CFPB to please intervene and help me in this situation, so Bank of America does not take advantage of me.

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 2024-03-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MN

Complaint narrative:
I am unaware of this debt I did not have the opportunity to dispute this debt, I did not receive proper notification, if in fact you believe I received proper notification of this debt please provide the certified mail receipt with my signature on there stating that I received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: FL

Complaint narrative:
Information that I previously informed you the Consumer Reporting Agency on or around XX/XX/2023 that was a result of alleged identity theft pursuant to 15 U.S.C. 1681c-2 and providing to you all the appropriate document inclusive of a FTC identity theft report and police report has no been reinserted into my consumer file as evidence on my consumer report.

I have not received any form of written or unwritten notification from you the consumer reporting agency in compliance with the FCRA section 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( Requirements Relating to Reinsertion of Previously Deleted Material ) section ( ii ) Notice to consumer. 

Information furnished by : XXXX XXXX XXXX ; Date Assigned; XX/XX/2023 ; Amount : XXXX ; Account Type : 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 2024-03-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AA Recovery Solutions, Inc.
State: TX

Complaint narrative:
I received a loan from XXXX for the amount of {$1800.00}. The payoff amount was {$2000.00}. I made numerous payments on time over 6 months paying off the full amount on XX/XX/XXXX. I received a collection account on XX/XX/XXXX. The Collection company called me regarding my assets and said I have no proof that I paid anything and they stated I had not made a single payment. I sent all the confirmation emails from every payment I made equaling the amount they claimed I owed. After receiving the emails they stated the last payment amount was XXXX which is not the last amount I paid and I have a time stamped emailing proving it. They told me I had to have something in writing stating that it was paid off from the original company. I contacted the original company and they do not have my account or any information on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
When I reviewed my XXXX XXXX  on XX/XX/24, I discovered a XXXX XXXX entry attributed to XXXX, amounting to XXXX, which was forwarded to Jefferson Capital Systems. Upon contacting both XXXX and Jefferson Capital Systems, they verified that no account exists under my name. I promptly initiated a dispute with XXXX and the XXXX  on XXXX and XXXX and XXXX on XXXX in the hopes of swiftly resolving this issue. The unauthorized entry has significantly impacted my XXXX XXXX, plummeting by XXXX points within a mere XXXX weeks. Regrettably, this marks the XXXX occasion I've encountered such XXXX  activity with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I am filing this identity theft report in response to the derogatory remarks that HSBC BANK and the credit reporting agencies are placing. I have been a victim of identity theft because I have never been associated with HSBC Bank. However, HSBC is reporting a fraudulent account to the credit reporting agencies with a balance of {$5200.00} Immediately after I noticed this account, I contacted HSBC BANK. I got the credit reporting agencies and informed them to place a fraud alert on my credit report and the creditor to remove my information from their database because I am not their customer. They should not have or share my information. The mentioned account was opened without my consent and authorization. It was opened without my knowledge, and I do not even know when the account was opened. Therefore, I filed this report with the CFPB to request that they get involved so that HSBC BANK can remove the fraudulent and derogatory remarks they report on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: Carvana Group, LLC
State: TX

Complaint narrative:
CarvanXXXX  and XXXX shared my personal information with multiple companies without my consent or giving me the opportunity to opt out. 
I also requested a cancellation of debt from the Trustee XXXX XXXX. 
I have sent the US code, CFR and IRS documentation to update the debt payments on my credit report.

They are abusing their power and sharing information without permission, taking advantage of their resources instead of properly using it's resources for just resolutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
XXXX and Bridgecrest shared my personal information with multiple companies without my consent or giving me the opportunity to opt out. 
I also requested a cancellation of debt from the Trustee XXXX XXXX. 
I have sent the US code, CFR and IRS documentation to update the debt payments on my credit report.

They are abusing their power and sharing information without permission, taking advantage of their resources instead of properly using it's resources for just resolutions.

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 2024-03-08 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: 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 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 XXXX 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 2024-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I checked my XXXX XXXX and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-03-08 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: 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 XXXX XXXX XXXX. 

Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account XXXX : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX XXXX  XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 by more than XXXX years. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2024-03-08 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I checked my XXXX XXXX and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: VA

Complaint narrative:
Unable to open a checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX there was an International ACH ( IAT ) transaction originated out of my Paypal account for an amount of {$750.00} to a counterparty unknown to me. I raised this immediately with XXXX and created a XXXX case. I received a message on XX/XX/year> that the case has been closed and deemed not unusual or fraudulent. PayPal then released the funds to this unknown counterparty. I will add that I had a XXXX Bank account connected to this PayPal account so technically the fund transfer went from XXXX -- >Paypal -- >Fraudulent IAT. 

I have not yet appealed with PayPal but I do not see how they can close a case if I am telling them that I did not make this transaction and that it is fraudulent. Also, the activity does not align to my transaction history on PayPal- which I use infrequently and have not made any payment to this counterparty before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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 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 XXXX 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 2024-03-08 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: GA

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  Account Number:XXXX Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2024-03-08 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: CBC Companies, Inc.
State: CA

Complaint narrative:
Not a duplicate request! I have 3 issues.

I still see a fraudulent identity theft account with XXXX that is not mine you still have not removed it and I still see a fraudulent identity theft address XXXX XXXX XXXX that is not mine you still have not removed. Please permanently remove those immediately. 

I also CAN NOT access my online account anymore even though I was able to log in 2 days ago. People over the phone were very unhelpful and did not know what to do. Please fix this. See attached photo for error. 

Please help me I am very frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
My XXXX had XXXX XXXX XXXX completed back XXXX. I applied for an XXXX XXXX XXXX  Card and a XXXX XXXX XXXX Card, both managed by XXXX XXXX Bank XXXX No card or account number was directly issued for either XXXX XXXX of XXXX to me or my XXXX, payment and account XXXX went directly to the XXXX. 

Soon after she had her XXXX work completed, this XXXX went out of XXXX. I signed up for XXXX on XXXX for both XXXX, but received XXXX in XXXX from XXXX that I was late and a payment had not been made for either card. I fixed them as soon as I could. 

All I want to do is be able to log into my account XXXX for both cards and make payments, otherwise, I have to XXXX them, be XXXX, never be sent XXXX for either accounts despite BEGGING for my XXXX to be updated or to receive my account XXXX XXXX, so I can sign up for an account XXXX which apparently does not exist and they can not provide me over the phone. 

Anything I've EVER received from them when I HAVE received something from them, through either a XXXX account XXXX or the XXXX or XXXX statements I received from my XXXX address, were XXXX account XXXX containing only the XXXX XXXX numbers. How am I supposed to sign up for an account if it's issued as a XXXX card, only the XXXX  XXXX numbers are provided, but they do not issue this XXXX card directly to consumers for XXXX XXXX? I can't win here and it's SO FRUSTRATING.

Company response to consumer: Closed with non-monetary relief