vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-01 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:
IN ACCORDANCE WITH THE FCRA XXXX ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602A I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX ACCT # XXXX {$470.00} EQUIPMENT WAS RETURNED AFTER MOVING OUT OF STATE, XXXX SAYS DIDN'T RECEIVE. REQUESTED THEY RUN CAMERA SURVEILLANCE AND THEY DENIED.

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 2022-04-01 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FCRA XXXX  ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602A I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX ACCT # XXXX {$470.00} EQUIPMENT WAS RETURNED AFTER MOVING OUT OF STATE, XXXX SAYS DIDN'T RECEIVE. REQUESTED THEY RUN CAMERA SURVEILLANCE AND THEY DENIED.

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 2022-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022 obtained services/product from a person/company. paid thru Bank of America ( XXXX XXXX never received products or service. company/person are two different entitys. later looked up she has several fraudulent names and companies. she is a fraud and bank of america XXXX XXXX  ) refuses to refund my money. I am not working due to COVID

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 2022-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was checking my credit report and saw some unauthorized and unvalidated inquiries and a debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I was checking my credit report and saw some unauthorized and unvalidated inquiries and a debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: GA

Complaint narrative:
I have submitted multiple dispute letters as well as validation of debt letter because this account XXXX XXXX XXXX in the amount of {$5900.00} is not mine however its still been fraudulently reporting on my report

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 2022-04-01 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I was checking my credit report and saw some unauthorized and unvalidated inquiries on there

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: SC

Complaint narrative:
I submitted a dispute letter dated XX/XX/2022. It is now XX/XX/2022 and there has been no response. According to the FCRA, if there is no response from a creditor within 30 days of dispute, items must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: SC

Complaint narrative:
I submitted a dispute letter dated XX/XX/2022. It is now XX/XX/2022 and there has been no response. According to the FCRA, if there is no response from a creditor within 30 days of dispute, items must be removed

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 2022-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
THEY CALL ME EVERY DAY!!!! all hours, constant empty voicemails! I have never been to the state they are located in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was checking my credit report and saw some unauthorized and unvalidated inquiries on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was checking my credit report and saw some unauthorized and unvalidated inquiries on my report

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 2022-04-01 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: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I was checking my credit report and saw some unauthorized and unvalidated inquiries on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I've been to 4 differe

nt Chase branches and each time they come up with new and exciting reasons why they can't cash my Cashier 's Check drawn by Chase.

The Cashier 's Check is from an old business account of Chase. I've been told I need a business account. I apply for a business account and Chase denies me. I tell them that they wont issue me one and they say they can't do anything without a manager. Of course there is no manager in today and they'll call me back. I've never gotten one callback. As far as I'm concerned Chase has stolen {$6900.00} from my business. As Chase refuses to cash the check that they wrote for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
There are XXXX accounts showing on my credit report that do not belong to me. I need them removed as it's affecting my credit and it's not even my fault.

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 2022-04-01 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: Credit Plus Inc
State: NJ

Complaint narrative:
I was checking my credit report and saw some unauthorized and unvalidated inquiries on there

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: Advantage Credit, Inc.
State: NJ

Complaint narrative:
I was checking my credit report and saw some unauthorized and unvalidated inquiries on there

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: Westlake Services, LLC
State: NJ

Complaint narrative:
I was checking my credit report and saw some unauthorized and unvalidated inquiries on there

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 2022-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2022, and XX/XX/2022, I, XXXX XXXX XXXX sent Experian, and XXXX a letter stating to remove the incorrect addresses. Later on in the month, I spoke with XXXX and he stated they received the letter on XX/XX/2022. He told me that I would have to wait 30 days from then for the dispute to process. It is XX/XX/2022, and they have yet to deleted the inaccurate addresses. I have attached the letters asking them to delete this information. This is a violation of my rights under the FCRA 15 USC 1681b ( a ) ( 2 ). I never gave Experian and XXXX written consent to report any addresses let alone these inaccurate addresses. They also have a name by XXXX XXXX XXXX and XXXX, XXXX are not my names and it needs to be deleted as well. Experian is well aware of the disputes as they have said they received it and are now in violation of 15 USC 1681n for knowingly reporting this information as it has caused me to miss out on multiple opportunities with finding housing. I seek remedy as a protected consumer. Please contact me as soon as Experian and XXXX responds.

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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sezzle Inc.
State: VA

Complaint narrative:
They are reporting I am 30-90 days late which I have never been. I can not view my account transactions and they have failed to provide account transactions and history after multiple attempts via phone and email to request the account history. The representative I spoke with today stated I have never been 30/90 days late and that information should not be reflecting on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX on Transunion and account # XXXX on XXXX ( different account numbers ), XXXX XXXX Account # XXXX, XXXX account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX on XXXX and account # XXXX on XXXX ( different account numbers ), XXXX XXXX Account # XXXX, XXXX account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sezzle Inc.
State: AL

Complaint narrative:
I have reached out to Sezzle twice about the wrong balance reported on my account. The first time I called about the issue I was told my issue was escalated to a supervisor & would be called back. That never happened. I ended up calling again and was told they were late updating everyones credit report for the month of XXXX. I took a look into my XXXX  report today & today is XX/XX/XXXX not update of my current limit, wrong limit shown and balance. Sezzle has continually hurt my credit score since Ive been using them my credit has continuously dropped due to credit utilization being too high when I have paid this account off and have a higher credit limit. It shouldnt take 2/3 months to update a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: FL

Complaint narrative:
I'm in the process of purchasing a home. I looked over my credit report and I noticed that there are inquiries on my credit report that I did not authorize. Every Inquiry that is not attached to an active account I did NOT authorize and needs to be removed 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
Consumer complaint received 2022-04-01 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I made a purchase online on XX/XX/XXXX and never got the product. I tried contacting the merchant but had no response and their website was no longer in service, this is obviously a scam/fraudulent website. I dispute the transaction with Citibank on XX/XX/XXXX and provided all the documents requested by mail, email and phone. I spoke to different representative and they either claims was not enough information or that they didnt receive it. Also said that they were going to escalate and file an appeal on my behalf. Meanwhile they tell me to call back in XXXX days to follow up which I do but then they said that I didnt give enough information. I am back and forth with Citibank and they clearly do not provide any help. Is XX/XX/2022 and now they claim I have to sign a letter to give them authorization to handle this dispute on my behalf. Im obviously giving them authorization since day XXXX that I file the dispute but now they want it in written? 
I never had these issues for a dispute before and the amount is {$82.00}. Im doing all the research, providing all the reference information and these people who seem very inept say that is not enough but fail to tell me what else is that is missing. Please investigate this issue with them, I cant believe this is happening and cant even imagine what will happen if is a larger amount that Im disputing.

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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
There are XXXX accounts showing on my credit report that do not belong to me. I need them removed as it's affecting my credit and it's not even my fault.

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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
There are XXXX accounts showing on my credit report that do not belong to me. I need them removed as it's affecting my credit and it's not even my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: TX

Complaint narrative:
Hello this is XXXX XXXX, I had sent you a complaint for a debt of a apt I do not own, you said you needed more information, I'f you can contact me at XXXX. I would also like to notify you that my XXXX XXXX of XXXX is XXXX .agen I was victim of identity theft I sent proof on my last complaint. Complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I just got a preliminary title report on my house and I realized there was a XXXX " judgment renewal '' filed by XXXX XXXX XXXX on behalf of FORD MOTOR CREDIT COMPANY LLC. 

Apparently XXXX XXXX XXXX filed a lawsuit and obtained a " default judgment '' on some vehicle around XXXX. 

I don't recall ever having a vehicle financed by Ford Motor, nor I ever heard of a lawsuit against me on that matter. 

Today, XXXX, I called the office of XXXX XXXX XXXX at ( XXXX ) XXXX to find out what this was about, and a male representative answer the phone and after obtaining the last four digits of my social security proceeded to accuse me of " irresponsible '' for not paying my debt. 

This guy asked me if I ever owned a XXXX vehicle, I said back in XXXX there was some vehicles owned/leased by my company but my company was closed due to the Market crash of XXXX and I also stated that I never heard of a lawsuit regarding their claims. He proceeded to lecture me on " it doesn't matter if you were notified or not about the lawsuit, the bottom line is this is your social security and therefore you owe the money. ", He further stated " you just admitted you or your company owned this vehicle. Plus knowing or not knowing about the lawsuit doesn't exempt you from the debt ''. I told him that I didnt recognize this debt and if he could please provide me information about it, but he barked " I am not going to assist you in providing you any document for you to challenge this debt, you need to contact the court for that. You need to pay regardless. '' I asked him if he was employed by XXXX XXXX XXXX, he responded he was. At that point I informed him that I was recording the call and that I was going to complaint against them, because all I wanted to tell them this debt must be an identity theft, because I remember in XXXX a lot of people got their information stolen to the extend that thieves purchase not only vehicles but real estate properties. I told him my intention was to together work to find the truth, instead I got a very aggressive individual that basically called me a liar. 

This employee should be either re-trained or fired. He twisted every work I use to try to explain the reason of my call and tried to intimidate me by suggesting that even if I file a lawsuit against XXXX XXXX XXXX, since they do this every day, it would cost me a lot of money to fight them because they will prevail in the end. I felt like a criminal. 

Anyway, I need to find now an attorney to help me resolve this matter. In doing research of their lawsuit I see that they " published '' their notifications of the court in a newspaper. This alone is ridiculous because I have had the same address since XXXX and same phone number since XXXX. I don't know how XXXX XXXX or XXXX XXXX XXXX, conveniently they could not reach me. 

XXXX XXXX XXXX have very abusive collecting practices and they need to be stopped.

Company response to consumer: Closed with explanation