vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 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 received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because this account is damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 

You must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This appears to be a rental home and I have been in a mortgage since XXXX. I do not know what this is or why this is on my report I have attached a copy of my ID for identity verification and a bill for address verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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:
I sent many dispute letters to request to the reporting company to delete inquiries that was not authorized by me that i don't recognize them. but they did not delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Levelset Collection LLC
State: IL

Complaint narrative:
Harassing calls. Calling family in a business debt that has nothing to do with me personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX NQUIRIES NOT RECOGNIZED XXXX XXXX  XXXX XXXX RMC 557, SYNCB 15 U.S.C, 1681section 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 an 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 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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX NQUIRIES NOT RECOGNIZED XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX 15 U.S.C, 1681section 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 an 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 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 explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
On or about mid XXXX I checked my account on PNC 's banking website. I found 3 UNAUTHORIZED transfers had been paid out to a " XXXXXXXX XXXX Web Transfer. XXXX XXXX {$1900.00}, XX/XX/XXXX {$2000.00}, and again on XX/XX/XXXX {$1000.00} for a total of {$4900.00}. I called PNC bank only to find out they were closed until the Next Monday. I called on Monday and froze my account which was now down to {$1100.00}. The bank manager tried to help and set me up with PNC higher ups who twice denied my claim basically saying it was I who authorized these transaction which I DID NOT. I signed PNC paperwork to that effect. I have tried all other avenues that I possible could to resolve this issue with no results. I am thinking you are my last hope of recovering my missing funds. My last contact with PNC was with XXXX XXXX at XXXX. I do have some copies of paperwork from PNC, but I am old and not computer savvy and am unable to attach. Your help in resolving this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
SchoolsFirst Federal Credit Union has closed my account and garnished my social security payment for XXXX leaving me unable to pay my rent. This put me at risk for eviction and XXXX. It is my understanding that garnishing social security payments is disallowed because it is considered protected income. 

SFCCU has told me they have done this because I have been unable to make my Mastercard credit card payments ( which had been active for the last 25 years ). I have had to stop making payments because I have a limited income, have been challenged by unemployment, and the need to travel to and from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) who have had several serious medical issues requiring XXXX  This has prohibited me from working full time. 

I respectfully request that the CFPB intercede and have SchoolsFirst FCU give me access to my social security benefits immediately so I can pay my rent ( due today ) and to continue to give me access to my social security funds for subsequent months so that I can remain in my home. I can not afford to move. 

Thank you for your time and consideration. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NV

Complaint narrative:
I received a settlement of $ XXXX and went to US Bank to open an account with them, I deposited $ XXXX into the account and when I was opening this account I clarified with the banker that if it was okay for me to use a different address from whats on my ID. ( I felt unsafe having any of this mail being sent to the address on my ID ), He said it was fine and used the given address, the problem that came is that I waited for the card and when I tried to pay my bills it was declining, I was denied withdrawals and when I called they said it was a fraud block on my account for address verification. I told this to XXXX different facilities and each one has said that this is unusual since this usually comes up with people who move out of state. Both addresses were in the state I reside in. 

I have submitted documentation to the bank ( gov issued ID which is XXXX of the accepted items and my credit card statement ) and waited the allotted time and theyve denied me access to my funds. I can not afford to feed myself, I can not pay my bills, and on the verge of being evicted due to the fact that this man ( the worker who set my account up ) said it would be fine and the bank not trying to give me access to my accounts. I dont trust them now to even send me a check of my money due to how theyve handled this so far so I have tried to verify again but I am running out of time, I am who I say I am why are they trying to hold my money from me? I have been dealing with this and having no access to my money going on XXXX weeks.

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 2023-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I contacted NCB management back in XXXX to have this debt resolved and removed off my credit report. NCB management blocked calls from calling their call center for roughly 2 weeks. I still havent been provided with no answers to any of my questions. I asked them to remove this account off my credit report until they complete their investigation. This company is holding me hostage and I explain to them that I was in the process of buying a house. They dont care and they only want to do what they want to do. Its completely sad that this company is just holding me hostage like this. The document that I received from the original owner of the debt show that the application is not even 100 % complete. I have failed 2 police reports so fair and is willing to go farther to fail charges against NCB management.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: AR

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-01 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: AR

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a victim of identity theft and the following accounts are not authorized by me nor did i give permission to furnish them. these accounts and inquiries need to be removed immediately. capital one account number XXXX, the FTC say the regulation is XXXX upon receipt to remove accounts and inquiries due to identity theft. I included the FTC affidavit that needs to be followed upon receipt and states it must be followed in four days. I also included ceased and desist that all parties need to adhere too in 4 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: TX

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 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 2023-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2023. I XXXX XXXX and account holder at Citi Bank purchased an official bank check. The check was in the amount of XXXX dollars made of too XXXX XXXX, my landlord. Short story, check was stolen in the mail and was cashed somehow. 
As of XX/XX/XXXX, I was informed that the check had not arrived. I immediately went to the branch to report it and I was told that I must wait some time to see if it arrives in the mail. I returned to the Bank Branch on XX/XX/XXXX now I was told that the check was cashed. I made a verbal complaint to the manager that my payee did not cash the check. I was again told that i have to wait to see where the check was cashed. Finally on XX/XX/XXXX an affidavit was filled. But i still have yet to have anyone reach out or any confirmation of this investigation. My funds are supposed to be guarantee with the purchase of a bank check.

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 2023-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: American Credit Acceptance, LLC
State: WI

Complaint narrative:
On XX/XX/ I signed a contract with American Credit Acceptance. The amount that was financed according to 15 usc 1605 was {$39000.00} This company was commited to providing me with top priority treatment and with a reliable car that i could use for household use. The nature of my dispute is the various violations of federal law such as the Equal Credit Opportunity Act 12 USC 1002 reg. B, Securities Fraud, T.I.L.A Violations, F.C.R.A, Federal Reserve Act, being that i provided an application, to which became the Security Collateral for this transaction according to section 16 of the Federal Reserve Act part 2. I also provided my social security account number which according to 15 USC 1602 ( l ) the term credit card meansany card used for the extention of credit. This company has not tried to resolve this situation and make things right as this has cause me great stress and pain and suffering. Certified mailed i sent tracking number XXXX XXXX XXXX XXXX XXXX. 
There is a pattern of misconduct by this company I applied for my own credit and got scammed and the car was repossessed Im greatly damaged. Withholding my access to my securities is securities fraud. Violating EQUAL CREDIT OPPORTUNITY ACT AND CONSUMER CREDIT PROTECTION ACT since Im getting denied access to my credit and would like to retract my application. Thank You By : XXXX, XXXX ATTORNEY-IN-FACT for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Credit Acceptance Corporation has preyed upon me as a XXXX adult and continues to repossess my vehicle without first giving me the option to voluntarily meet in an agreed upon location as is required by Florida law. XXXX XXXX has charged me alleging that I must pay XXXX XXXXXXXX in order to now recover my vehicle. I only have XXXX payments remaining on the loan at XXXX XXXXXXXX. There is no way I owe this amount on an {$8000.00} vehicle when I was unlawfully required to put down {$4500.00} as a downpayment. This is the 3rd time this year Credit Acceptance has extorted me without showing me proof of what is owed on the car loan. Credit Acceptance has not provided me a ledger or an adequate contract that notes the amount I allegedly owe. Credit Acceptance does not have a valid security agreement nor a XXXX financing statement that would allow for them to hire a XXXX XXXX  debt collector to steal and confiscate my car and narcotics within the vehicle. I am being targeted and coerced into being defrauded. Credit Acceptance shall not be allowed to oppress me while simultaneously and directly effecting my daily activities and my health as a whole. I am demanding proof and the immediate cessation of collection activities. Furthermore, Credit Acceptance continues to tarnish my reputation and cause me to be subject to prejudicial treatment as they continue to unlawfully report alleged late payments on my credit report when Credit Acceptance knows it does not have my consent not the authority to report such activity by law under the FCRA 15 USC 1681a ( d ) ( 1 ) ( A ). Remove the late payments and return my vehicle or I will be forced to take legal action.

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 2023-11-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent Experian a validation letter XX/XX/2023. Certified mail. I have not heard anything from them I disputed the XXXX accounts. 
I called Experian & XXXX to let them know that these account accounts were open without my permission. Its an identity theft investigation going on. 
I recently checked my credit report XX/XX/XXXX. Experian reported that the information was certified and accurate. I just got off the phone with XXXX and they said the investigation would not be complete into XX/XX/XXXX but Experian already reported that it was complete and that the account would stay on my credit report so Experian is lying. They never show proof, and they lied, and said that the information was certified when according to XXXX the investigation is not even complete. I also have the conversation recorded between me and XXXX to show proof that Experian lied about right about investigating and validation. 

XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : 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 2023-11-01 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: MI

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 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