vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-21 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: Global Lending Services LLC
State: IL

Complaint narrative:
I DID AUTHORIZE THESE INQUIRES 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I DID AUTHORIZE THESE INQUIRES 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I DID NOT AUTHORIZE THESE INQUIRES. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-10-21 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: IL

Complaint narrative:
Please remove fraudulent Inquiries on my report, I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-10-21 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: GA

Complaint narrative:
I have identified unauthorized account transactions on my credit report that I do not recognize. The unauthorized transactions have ruined my credit reputation. I have performed my own investigation and have determined that transactions are a result of identity theft. I have completed an identity theft report with the Federal Trade Commission. 

The credit reporting agencies should have taken reasonable procedures to ensure that my nonpublic personal information and other identifying information was not being furnished in error and without proper authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 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: GA

Complaint narrative:
I have identified unauthorized account transactions on my credit report that I do not recognize. The unauthorized transactions have ruined my credit reputation. I have performed my own investigation and have determined that transactions are a result of identity theft. I have completed an identity theft report with the Federal Trade Commission. 

The credit reporting agencies should have taken reasonable procedures to ensure that my nonpublic personal information and other identifying information was not being furnished in error and without proper authorization.

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 2023-10-21 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 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-10-21 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 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 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 2023-10-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: IN

Complaint narrative:
On XX/XX/2023 I applied for a loan with Uprova. They were quick to give me money but they did not disclose up front that for a {$500.00} loan until after sending the money and expect me to pay back {$2100.00}. So they were charging a 668.54 % interest rate. This was found out after accepting the loan.

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 2023-10-21 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: IL

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-10-21 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: TN

Complaint narrative:
I am sending this complaint as a subsequent notification to inform the Experian Bureau that I will be updating my credit report once again within a 15-day period. I hold a strong expectation that the Experian Bureau has already DELETED these three residual inquiries from my credit report : EXPERIAN : 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 2023-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Bank of america new york branch ( cfpb ) has two previous complaints about 2 banks ( 02 ) as second XXXX XXXX XXXXXXXX XXXX now running as old bank name also up dated by XXXX XXXX XXXX but no response XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Due to my all funds invested at XXXX XXXX XXXX, I have no doubt about savings but to date not up dating my funds balances with interests paid for by 2 banks each year? As a customer its a my legal, civil rights at OFAC, CFPB to find and sent me the up date.l.asap send me the response Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: IL

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

Kindly remove this to my credit report. This is causing me a lot of stress and 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 2023-10-21 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: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I just noticed a hard credit inquiry from Ally Financial on XX/XX/2022. There was no direct benefit or authorization for Ally Financial to access my personal information.

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 2023-10-21 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: IL

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 2023-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On or about XX/XX/XXXX consumer found out that Capital One Credit CorpXXXX closed account. Consumer has been a Capital One customer since XXXX with timely payments and no adverse activity. Account ( s ) were closed without explantation and company will not respond to any request to provide lawful reason ( s ) for account closing. Consumer alleges that account was closed for discriminatory lending practices by Capital One Credit Corp.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
i received a XXXX payment from a friend. it has been placed on hold and now citizens is making me wait until wednesday to receive the funds. i have no money and theres zero reason to make me wait till wednesday. i need to buy food!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-21 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: FIRST PORTFOLIO SERVICING INC
State: IN

Complaint narrative:
I just noticed a hard credit inquiry from Revvi Bank on XX/XX/2022. There was no direct benefit or authorization for Revvi Bank to access my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: IL

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have a credit card from AMEX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called AMEX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and XXXX with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2021, and XX/XX/2021. There was an error on their part. I was never 30 days late twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: IL

Complaint narrative:
IQ Data International was employed by XXXX XXXX XXXX XXXX XXXX Florida to attempt to collect a debt owed by whom they thought was me. I filed a police report in XXXX which I will attach below to demonstrate this ongoing problem and after reviewing numerous evidence at the department, the individual who was using my identity was actually XXXX XXXX XXXX XXXX XXXX and I am a caucasian male. They altered the picture on my drivers license and were using a fake California address. Detective XXXX XXXX of the XXXX XXXX Police Department is happy to speak with any parties necessary as well. 

Furthermore, IQ Data International mailed me a fraud packet which came 1-2 weeks late and I filled out and returned the necessary information and then more. I followed up today and they stated they mailed another fraud packet on XX/XX/XXXX to my address, however, they stated they never received my initially returned packet well over a month ago. I had a return address on the envelope and I never received the mail back, therefore, it exists somewhere in their hands or more shady actors. This was deeply personal information to prove my true identity and they just blew it off stating they never received anything and to start over. 

XXXX XXXXXXXX XXXX was beyond faulty and potentially criminal initiating this lease as they did not run my credit as my credit is frozen with all three bureaus and distributed a false lease under my name. How this occurred and oversight was not utilized is deeply chilling and then employing a collection agency with similar behavior to drop the ball just exacerbates everything. 

Detective XXXX XXXX is going to have to subpoena the apartment complex and potentially the collection agency as they have not been cooperative. The issue is I live in Illinois and my identity in this instance was stolen in Florida and different legal jurisdiction has to be involved to pursue the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AAA Auto Title Loans, LLC
State: OR

Complaint narrative:
I have called this company and requested them to stop a payment. I was told that I can not stop the payment. They will continue trying to pull from my bank even though I requested them to stop. I then asked for my remaining balance which they could not tell me, I didnt ask for the amount that I have paid towards this loan which the representative told me she could not calculate or see, and then asked why I was not able to log onto my online account to see the balance or the remaining amount, and she said its an issue with IT theyre aware of I let them know its been months since Ive been able to see my online account Ive been locked out they could not reset it for me. I didnt ask for the corporate number. She gave me a different number for the same office when I called back I spoke to the same representative XXXX I didnt ask to speak with the right corporate office and she said her manager would call me tomorrow and that she did not have any of the information for their corporate office or for any of my loan information, and that I could not log on to my online account to see it myself. This was a {$300.00} loan I took out years ago and I wanted to know the amount I had paid towards it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-21 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: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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