vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC
State: MI

Complaint narrative:
The law states that the failure of the owner and/or lien holder to exercise their right to reclaim the vehicle or other property within the time provided may be deemed a waiver of all right, title and interest in the vehicle or property and their consent to sale of the vehicle or property at public auction. 

On XX/XX/2019 there was an application for Michigan Vehicle Title Submitted. The title/application has no secured party. I am also not the owner on the title or registration of this vehicle. XXXX  has been pursuing collections and repossession of this vehicle since the sale regardless of my multiple attempts to dispute the information. I have also requested a lien release from XXXX in regards to this vehicle. They have no security interest in the vehicle and there is no lien on the vehicle. Yet I am still being pursued with collections for almost 3 years now. 

I also have the Bill of Sale provided to me which states the vehicle was sold and released on XX/XX/2019 to XXXX XXXX, and signed by law enforcement. The XXXX states that it may be used to apple for ownership in purchasers name. 

Also in the SOS or DMV the registered vehicle vin shows no active LEIN. I have not been able to remove this collection from my credit reports and it has destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I'm sure I'm been hacked. This has been going for a wile. Identity theft. May be PayPal services. I've contacted them with success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair credit Act XXXX Account # XXXX h

as 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. 

XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX 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 XXXXXXXX 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 2022-04-16 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: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I am victim of Identity Theft. Upon checking my credit report I noticed there is information listed incorrectly in my file. I am requesting that these items be deleted, being so that there was no authorization prior to. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2022-04-16 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: FC HoldCo LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX FLAGSHIP CREDIT ACCEPTANC Attn : XXXX XXXX XXXX XXXX XXXX, TX XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX 2d 711 ( S.D. Ind. XXXX ) I have not initiated any transaction with FLAGSHIP CREDIT ACCEPTANCE. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with FLAGSHIP CREDIT ACCEPTANC for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 


By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 


Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Best regards, Your Name cc : CFPB via fax ( 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 2022-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
My XXXX WAS COMPROMISED AND IT HELD THE INFORTION OF ALL MY PASSWORDS TO EVERYTHING AND MY IDENTITY HAS BEEN STOLEN AND IS BEING USED RIGHT NOW. I HAVE REPORTED IT TO MY BANK XXXX BUT HE STILL WAS ABLE TO ACCESS MY ACCOUNT I REPORTED TO CASH APP AND HE STILL HAS ACCESS I REPORTED IT TO XXXX AND MY PHONE ENDING IN THE NUMBER XXXX IS STILL COMPROMISED I REPORTED IT TO XXXX I ALSO REPORTED IT TO IRS AND SOCIAL SECURITY AND XXXX AND MY KIDS HAVE BEEN REMOVED BECAUSE OF THIS SITUATION. IVE CALL THE POLICE NUMEROUS TIMES SINCE XX/XX/2022 AND JUST GOT A REPORT WRITTEN TODAY ALL THE OTHER POLICE THAT SAID THAT THEY WROTE A REPORT LIED I LET XXXX KNOW BECAUSE THEY ARE BUYING AND OPENING THINGS IN MY NAME AND MY KIDS. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX, I opened an acct with PNC bank based on its promotion that I would receive {$400.00} bonus. After opening the acct online, I called the bank and a male rep confirmed that I was eligible for the bonus and the bonus would arrive in a few months. However, the bonus did not arrive. In the phone call on XX/XX/XXXX, female rep said that there was a 24 months bonus requirement. I had no idea about the requirement when opening the acct. The male rep did not mention the requirement and confirmed my eligibility for the bonus. The female rep can not find the requirement to show me. The {$5000.00} deposit was a direct deposit income from my employer ACCT via another bank. 

I request PNC bank to keep its promise and give me the {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I am victim of Identity Theft. Upon checking my credit report I noticed there is information listed incorrectly in my file. I am requesting that these items be deleted, being so that there was no authorization prior to. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I am victim of Identity Theft. Upon checking my credit report I noticed there is information listed incorrectly in my file. I am requesting that these items be deleted, being so that there was no authorization prior to. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2022-04-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have submitted disputes to you and I have not get a response within 30 days and yall are required by law to do so. Please investigate my disputes please. 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 2022-04-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have submitted disputes to you and I have not get a response within 30 days and yall are required by law to do so. Please investigate my disputes please. 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 2022-04-16 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. The following accounts has violated my rights. 

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXXXXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXXXXXX XXXX XXXX XXXXXXXX I, XXXX XXXX XXXX never gave ( XXXX XXXX Experian, or XXXX XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute.

They also do not have any permissible purpose to furnish my personal information to any third party.

Permissible Purpose : 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it rela
tes.

As a consumer, I am demanding deletion of the following accounts

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 2022-04-16 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: Aldous & Associates, PLLC
State: SC

Complaint narrative:
On XX/XX/2022 Aldous and Associates claimed to have sent me Validation of the alleged debt that I owe to XXXX XXXX. The bill that they sent me happens to be what is called VERIFICATION that they are collecting on an alleged debt that XXXX XXXX XXXX  claims that I owe but it is not VALIDATION. I am attaching the debt validation to this complaint which details exactly what I am asking the company for. There is also a Cease and Desist attached to this complaint as well. Aldous and Associates continues to use extortionate means to collect an alleged extension of credit. The violator can face up to 20 years in prison, be fined or both. To avoid myself having to take legal action for such offense I advise Aldous and Associates to cease all collection activity including reporting of ; or verifying of this account on my credit reports. If the company chooses to not comply with my requests, I will have no other choice but to pursue legal action. I believe that XXXX XXXX XXXX is in charge of the operations of this company and will be seen as liable for his compliance in the use of deceptive means to extort money from uninformed consumers. Please take this matter seriously. My consumer file is a direct representation of my reputation and I take my reputation seriously. If the company claims to have the right to collect this debt from myself the consumer, please attach the trilateral contract in which I agreed to be party to the collection of an alleged debt by a third party. Your prompt response is both required and necessary. 

this is in response to complaint XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: GA

Complaint narrative:
I sent a dispute in to Transunion and I received an illegal correspondence back stating if Im working with a credit repair company when Im clearly working on my own repairing my credit. This is considered a stall tactic letter from this CRA and this is a violation of my consumer rights. Do they not know I am very well capable of repairing my own credit.

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 2022-04-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
The law states that the failure of the owner and/or lien holder to exercise their right to reclaim the vehicle or other property within the time provided may be deemed a waiver of all right, title and interest in the vehicle or property and their consent to sale of the vehicle or property at public auction. 

On XX/XX/2019 there was an application for Michigan Vehicle Title Submitted. The title/application has no secured party. I am also not the owner on the title or registration of this vehicle. Ally has been pursuing collections and repossession of this vehicle since the sale regardless of my multiple attempts to dispute the information. I have also requested a lien release from Ally in regards to this vehicle. They have no security interest in the vehicle and there is no lien on the vehicle. Yet I am still being pursued with collections for almost 3 years now. 

I also have the Bill of Sale provided to me which states the vehicle was sold and released on XX/XX/2019 to XXXX XXXX, and signed by law enforcement. The XXXX states that it may be used to apple for ownership in purchasers name. 

Also in the SOS or DMV the registered vehicle vin shows no active LEIN. I have not been able to remove this collection from my credit reports and it has destroyed my credit.

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 2022-04-16 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: Synovus Bank
State: FL

Complaint narrative:
They reporting a late payment last year 2021 I never was late they say they was Gon fix it and remove it but never did it's still there plz remove asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT

Complaint narrative:
I received a letter from USAA dated XX/XX/XXXX confirming the opening of a USAA savings account. I have never owned/opened a USAA-related account whatsoever. On XX/XX/XXXX, I called USAA 's fraud protection services about freezing the account. They said they would do what they can. On XX/XX/XXXX, I checked XXXX. It confirms the opening of a USAA savings account with a balance of {$8.00}. 

Additionally, on XXXX, I have obtained the address of the person who may have stolen my identity. I say this because I do not recognize the address whatsoever and have never even been to the state that has now been tied to my account. 

The address is : XXXX XXXX XXXX XXXX XXXX XXXX MN, 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 2022-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried calling dozens of times talking with employees, supervisors and managers none of which had any consensus when exactly payments are due. There is complete chaos at this bank. Each time you call someone there they give you a different answer. I asked specifically what day each month is the payment due and yet no one gives the same answer? I was told for 15 months there would be no interest and no payment due! I don't believe it now because there is a catch to the story. An employee said yes but it will affect your credit! I am so confused by this bank. There are no direct answers to simple straightforward questions.

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 2022-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
They reporting a late payment last year 2021 I never was late they say they was Gon fix it and remove it but never did it's still there plz remove asap

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 2022-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PERSONAL INFORMATION UPDATE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Sincerely 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