vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 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: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several inquiries that I did not authorize. These unauthorized inquiries have the potential to negatively impact my creditworthiness and financial well-being. They are also violating my rights under the Fair Credit Reporting Act. 

I have already taken the initial steps by contacting the credit reporting agencies involved to dispute these inquiries. Despite my efforts, the unauthorized inquiries remain on my credit report. I have listed the inquiries and the bureaus they are reporting to below. I have also attached my identity theft report. 

Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-05-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent multiple letters and called multiple times to the credit bureaus about how they're violating the fair credit reporting act 15 USC 1681i ( 5 ). The credit bureaus said everything was completed and accurate and i asked them how if the date opened is wrong. 

I also asked for description of the investigation according to 15USC 1681i ( 7 ) and it was not given to me although i have proof of my letter and complaint sent to the FTC.

Also according to 15 USC 1681 s-2A " 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 information is inaccurate '' Too many violations are causing me and my family distress and holding us back in many financial aspects. I ask that the credit bureaus be held accountable

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 2023-05-16 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: OR

Complaint narrative:
I have asked equifax XXXX and XXXX to have XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to provide proof of contract with my signature on it stating I owe these collection companys money and if proof of contract is not provided to have them deleted immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: GA

Complaint narrative:
I am writing to you in regards to a recent notification I received concerning new accounts appearing on my consumer report that I do not recognize or have any association with. This letter serves as a formal request for the information related to these fraudulent accounts to be promptly blocked and deleted from my consumer report, in accordance with the provisions outlined in 15 USC 1681c-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: MI

Complaint narrative:
I am a victim of identity theft and fraudulent transactions started happening on both of my PNC checking accounts since XX/XX/. It is now XX/XX/XXXX  and I have spoken to numerous customer service representatives and fraud detection services. PNC failed to put holds on my accounts after the initial fraudulent transactions occurred enabling addition fraudulent transactions to occur. I have been told several different wait times as to when the various transactions can be disputed and that they can not be disputed when they are pending, they must be fully posted to dispute. PNC has been negligent in regards to protecting my account and security. I was told that I now have to wait even longer for reimbursement of the disputes, leaving my husband and I with currently no money and that I can not close either of the PNC accounts until the transactions are fully posted and disputed ( disputes may take up to 90 days ) even though some of the transactions were ACH. PNC 's policy states that if a fraudulent transaction occurs via ACH the customer may close the account and obtain a new account while the disputes finalize. I have been a PNC customer for approximately 10 years and I am honestly shocked at the lack of action they have taken regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXXXXXX Has violated my federally protected consumer rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681 s-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 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity/Lands End Visa , a credit card account was opened in my name. I received the credit card though I never applied for it. It is either fraud, as in somebody has my personal information, or fraud in that they just issue cards to people that didn't ask for it. 

I called, and they wouldn't tell me the email address associated with the card, but did confirm it wasn't any of mine. 

They did cancel the card, and said they would instruct the credit bureaus to remove the account, though wouldn't guarantee that the credit bureaus would.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent multiple letters and called multiple times to the credit bureaus about how they're violating the fair credit reporting act 15 USC 1681i ( 5 ). The credit bureaus said everything was completed and accurate and i asked them how if the date opened is wrong. 

I also asked for description of the investigation according to 15USC 1681i ( 7 ) and it was not given to me although i have proof of my letter and complaint sent to the FTC. 

Also according to 15 USC 1681 s-2A " 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 information is inaccurate '' Too many violations are causing me and my family distress and holding us back in many financial aspects. I ask that the credit bureaus be held accountable

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 2023-05-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent multiple letters and called multiple times to the credit bureaus about how they're violating the fair credit reporting act 15 USC 1681i ( 5 ). The credit bureaus said everything was completed and accurate and i asked them how if the date opened is wrong.

I also asked for description of the investigation according to 15USC 1681i ( 7 ) and it was not given to me although i have proof of my letter and complaint sent to the FTC.

Also according to 15 USC 1681 s-2A " 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 information is inaccurate '' Too many violations are causing me and my family distress and holding us back in many financial aspects. I ask that the credit bureaus be held accountable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SUN LOAN COMPANY INC.
State: OK

Complaint narrative:
I took out the loan and was paying as agreed, extended the loan, and after a payment I had a family issue then job loss. I relayed this information to The Sun Loan Company. They aggressively harass by calling numerous times every day, and call the loan references multiple times. The references did not take out a loan and do not deserve to be harassed. They disclose protected and personal financial information which violates my privacy. They filed a lawsuit then continue to harass. They have googled family members and begun calling random people that may or may not know me, and even after I requested they cease all contact due to a lawsuit being filed they continue to harass.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX Bank of American locked all my three accounts including online access, one the accounts is my business account that has money that belongs to my clients used to manage their properties. 
I have been Bank of America 's client for about forty ( 40 ) years and during that time I have transferred money to other banks for CD purposes on a regular basis without any issues, however, during the last three months I decided instead to wire money to other banks for the purpose of trade. From the beginning BoFA would purposely delay the wires and contact the other banks alleging that the money is fraud to the point that those banks would deny my accounts with them. 
Each time I wired money I would get constant annoying calls from BoFA wanting to know why am I wiring money and why do I want to get involved with XXXX and badmouthing to those banks so that their clients would in turn denied my access, including a {$100.00} transfer that I attempted to send via BoFA debit card to XXXX as BoFA declined the transfer and consequently XXXX denied my access. 
BoFA is even delaying cashing a check that was transferred to BoFA when one of my CDs matured weeks earlier.

BoFA illegally locked my accounts without good cause knowing well that the trail of money came from matured CDs. 
BoFAs illegal behavior has caused me great financial hardship and emotional distress.

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 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I am requesting to open my complaint since i have n t received the requested document validating of this account.. the mistreated and threaten from this scam company. by law i am entitled to a copy of the contract and a payment t history from the original creditor. and i also want to ask this company to stop calling me after hours that is against the law. the original credit XX/XX/23 I was looking into my credit report and noticed an unknown collection from a company name Collect in Pro. I had no knowledge of this collection. Apparently, I never had to sign any contract with this original credit nor with this collection company that bought the debt for little money from them. On the same day, I called the collection company to request the original contract sign for me since I don own that debt and all the information pertaining to the account and request. the customer service representative started to mock me because of my language she transfer the call to someone else even though I told her I am very capable and able to speak English. She also got upset because I told her that I am not going to give detailed information such as SSC and address because I don't feel comfortable and I don't own that debt. then she proceeds to tell me that I own that debt and I have until the XXXX of XXXX to pay or that I going to lose my credit. Attached you can see the last bill I had before moving from that place. on XX/XX/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 2023-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This was put on my credit report there is a social security number on my credit report that doesn't belong to me. I don't know if this SS # was used to open this account XXXX XXXX XXXX XXXX XXXX, GA XXXX this debt was open in XX/XX/10 I wish to dispute this 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 2023-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several inquiries that I did not authorize. These unauthorized inquiries have the potential to negatively impact my creditworthiness and financial well-being. They are also violating my rights under the Fair Credit Reporting Act. 

I have already taken the initial steps by contacting the credit reporting agencies involved to dispute these inquiries. Despite my efforts, the unauthorized inquiries remain on my credit report. I have listed the inquiries and the bureaus they are reporting to below. I have also attached my identity theft report. 

XXXX : XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several inquiries that I did not authorize. These unauthorized inquiries have the potential to negatively impact my creditworthiness and financial well-being. They are also violating my rights under the Fair Credit Reporting Act. 

I have already taken the initial steps by contacting the credit reporting agencies involved to dispute these inquiries. Despite my efforts, the unauthorized inquiries remain on my credit report. I have listed the inquiries and the bureaus they are reporting to below. I have also attached my identity theft report. 

XXXX : XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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 2023-05-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Starting XX/XX/XXXX at XXXX I applied for a credit card with Capital One after getting approved and notified that my card was on the way I was prompted to log into an account that was fraudulently setup in my name XX/XX/XXXX. I explained that this accounts was not me and expressed that I need the account completely closed so that way I can make my own account. They stated I can not do that at the time due to customer protection not being opened. The next day at XXXX XXXX I gave them a call and spoke to the department explained the situation expressed I need to be able to log in to pay things like for the credit card I just signed up for. They stated they cant provide me with a log in or any information in reference to the account even though I gave them my full social security number to pull up the account as well as my first and last name. They refused to give me the information about the account as well as would not even provide with the last name of the people I was speaking with. That afternoon I went to my local sheriffs department gave the deputy authorization to speak on my account and they gave information, but only the last 4 of the account numbers and that in XXXX hours my account will be closed and I can recreate one to access my credit card that I just applied for. The next day on XX/XX/XXXX I called in before attempting myself they stated it was all ready and I can create another account. This is information was false as well as they kept changing when my account where closed during this process. They told me I have to wait another 24 hours and gave me the same explanation the past 2 days. Frequent told them about the situation and how all this is going on. Today I spoke with a manager he laughed when I asked to speak with his supervisor due to managers not assisting me then stated he will be the highest I can speak to. He told me he would get me transferred to a department that can assist me a voicemail played that said due to the status of your account we cant assist you and then it hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: SC

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.Equifax is govern by 15 USC. And they violated my rights numerous of times I demand the accounts below to be removed because According to 15 USC 1681 I have the rights to privacy and I did not give Equifax written permission to furnish these accounts. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX inquirys. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: CA

Complaint narrative:
XXXX committed Identity theft/fraud XXXX I am a victim of identity theft and I never authorized this inquiry/account. 
This company XXXX opened a trade/credit account using incorrect address & name. 
They falsely posted that account to my credit report. 
I called XXXX customer support but no answer. They have no fraud department to submit complaints.

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 2023-05-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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