vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: MN

Complaint narrative:
Dear Innovis Consumer Assistance, XXXX XXXX XXXX | SSN : XXXX | XXXX XX/XX/1993 I hope this letter finds you well. I am writing to make a formal request in accordance with consumer protection laws to receive my credit report from Innovis electronically via email. Due to my current homeless situation, receiving the credit report by email would greatly assist me in managing my financial affairs. 

As you may be aware, the Fair Credit Reporting Act ( FCRA ) empowers consumers to request and obtain their credit reports from nationwide consumer reporting agencies, such as Innovis. Section 612 ( b ) of the FCRA provides the right to obtain one free credit report annually, upon request. Furthermore, the FCRA does not specify any particular method for delivering the credit report, leaving room for flexibility in accommodating individual circumstances. 
Request to Freeze Credit Report : In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, I formally request that you place a freeze on my credit report. This measure is essential for preventing unauthorized access to my personal information and protecting my financial well-being. Please ensure that this freeze extends to all third parties who may seek access to my credit report through Innovis. 

Request for Removal from Innovis System : Considering my homeless status and the challenges associated with maintaining a consistent mailing address, I kindly request that Innovis remove my personal information from your system. Removing my information from your database will help safeguard my privacy and prevent any potential misuse or unauthorized access. 

Request to Suppress Personal Information : In line with applicable consumer protection laws, I request that Innovis suppress my personal information from any publicly accessible sources or databases. This includes any information that may be sold, shared, or disseminated to third parties for marketing or solicitation purposes. Suppression of personal information is vital for protecting my privacy and reducing the risk of identity theft or fraudulent activities. 

Regrettably, my present lack of permanent housing makes it exceedingly difficult for me to receive traditional mail reliably. Consequently, I kindly request that Innovis exercise its obligation under the FCRA to provide my credit report electronically via email. This would allow me to conveniently access and review the report promptly, thus enabling me to make informed decisions regarding my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IL

Complaint narrative:
ENHANCED RECOVERY COMPANY {$430.00} - VIA XXXX XXXX The debt originates from my deceased father opening a cable account under my name. 
I had no access or idea this account was opened. 
This debt was originally put on my credit report by XXXX XXXX XXXX, and I disputed and won that dispute, XXXX appears to have then sold the debt to ERC, who now calls me constantly, even after I have told them that I have not or do not hold a XXXX account in my name. 
They call me every five days like clockwork and it has been going on for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau regarding my account with Bank of America, which has been frozen since XX/XX/2023. Despite multiple attempts to contact Bank of America 's customer service, I have not received a satisfactory explanation for why my account was frozen, and I have been unable to access my funds or pay bills that are due. 

I have a bill pay feature on my mobile banking that I have been utilizing for over a year because my auto lenders offices are about 100 miles away. Because of this inconvenience, once I get this rectified, I am going to have to travel 100 miles every month just to pay off this bill because pretty soon they are going to stop me from having the option to do bill pay because theyve been trying to take money out of this account and have been unsuccessful. m I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you need any further 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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Synovus Bank
State: NY

Complaint narrative:
This is the 4th time I have tried to have the CFPB intervene on this 20 year old debt ( although I have never had an account with the bank mentioned in their letters ). 

They operate under multiple names but continue to pass it from one to another but it's clearly the same debt. 

I have asked them to STOP CONTACTING ME FOR ANY REASON so they simply contact me under a different collection agency name. 

I've attached 2 letters, sent under 2 separate collection agency names, the first dated XX/XX/2023, the 2nd XX/XX/2023, for a debt that is now 20 years old! The federal statue of limitations prevents any attempt to collect a debt anywhere near this old. 

In the event ANY of their agencies contacts me again, I have 4 other people who will join with me in a class action lawsuit to seek both a seek and desist order and any punitive damages the court will award.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I received on XX/XX/XXXX XXXX payment from my tenant ( at the time, is now evicted ) a payment towards XXXX rent of XXXX through Venmo... Unaware, until venmo took the money BACK FROM ME... and gave his his money back?? I'm beyond words, angry ... .HOW COULD THEY DO THIS ... which resulted in my account being negative on which I had to repay the XXXX to get my account in positive status... I want my money back... they had absolutely NO RITE TO TAKE what little money he did pay me BACK?????? I'm reaching out because I'm lost... Sad.. And I need help, they basically stole my money and I want it returned please.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
I noticed a few unauthorized inquiries on my report I do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And late payments when my account is never late T-Mobile In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO
STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
I have been the victim of identity theft I recently had purchases made from my bank account that I have no prior knowledge of this has been every troubling and I am looking to have some resolve

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED

MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO ST
ATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX  XXXX XXXX credit card account. I called to close the account in XX/XX/XXXX. Without any notice to me, XXXX XXXX  XXXX charged an additional {$23.00} to the account and did not close the account. 

Because I had no notice, XXXX XXXX XXXX listed the account as unpaid and in XX/XX/XXXX reported it on my credit report. I attempted to resolve their error but was rebuffed.

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 2023-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Harpeth Financial Services, LLC
State: MO

Complaint narrative:
I've contacted the company as there was a discrepancy with the pay off of the loan. There is no pay off date for the last withdrawal date as I was informed that this is an installment loan. Installment loans typically have a final draft date. {$130.00} is being drafted from my account as of XXXX, XXXX  and this being done biweekly. My bal owed is {$730.00} but they are saying to pay off the amt it's over {$1000.00} in addition to this they keep calling and emailing, harassing me to take out additional money and I keep informing them to remove me off their list as I am not interested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I've had Wells Fargo since about XXXX. I'm recently going through a divorce and added my soon to be ex wife on about XXXX or XXXX. I've tried closing the account but Wells Fargo wouldn't let me due to my soon to be ex wife needed to sign a paper to close the account even though it was my account originally. My soon to be ex wife won't sign the papers and the Wells Fargo account hasn't been used since XXXX so a bit over a year and a half. Each month they charge me a monthly fee and overdraft fee. Also last year my car was repossessed by XXXX and I read on your website about compensation about that. Please help and thanks.

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 monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX thats reporting on my credit report should have been deleted/removed off my my credit report since last year XXXX. its been on my report for 8 years and still reporting.Under the Fair Credit Reporting Act, debts can only appear on your credit report for 7 years. After that period is up, the debt can no longer be reported.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TIDEWATER FINANCE COMPANY, INC.
State: CA

Complaint narrative:
The dates and years when the account was closed are incorrect. 

I voluntarily surrender the car due to XXXX and not working. XX/XX/XXXX Originally The creditor listed 30 days late in the year XXXX as a loss charge off. When I filed a dispute the credit went in and changed the date and listed the closed account as of XX/XX/XXXX and filed a charge-off. This car was surrendered on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I purchased a XXXX XXXX XXXXXXXX from XXXX XXXX XXXX XXXX on XX/XX/2023. TD Auto provided financing and is listed on my contract. Today, XX/XX/2023, marks almost XXXX weeks from that date and TD Auto has not funded my loan. I talked to the dealership on XX/XX/2023 and was advised that TD Auto signed for my contract on XX/XX/2023 and has agreed to fund within 3 days. Again, today marks almost XXXX weeks and the loan still hasnt funded. Ive called TD Auto twice and was advised they can not help me and the dealership advised they have contacted TD Auto multiple times without a response. XXXX currently in possession of and driving a vehicle without any legal ownership, while my previous loan with a separate lender is nearing delinquency due to delayed funding of the new loan which prevents the previous lender being paid off. I also have a hard inquiry from TD Auto and no loan. The delay in funding also prevents me from making payments and could potentially run me to be delinquent on the new loan with no repercussions from TD Auto.

Company response to consumer: Closed with non-monetary relief