vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 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:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. I also have fraudulent inquiries I attached with the FTC report of the 3 collections

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 2023-04-11 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: GOLDMAN SACHS BANK USA
State: NE

Complaint narrative:
XXXX XXXX was letting apple pay deduct money out of XXXX account without his authorization. They were little amounts so he didn't notice them. It did not explain on the withdraw what it pertained to. This has been going on since XXXX. Apple pay was notified and they are only willing to reimburse {$90.00} which was 60 days, I have calculated all of the charges up to when they were taken out and it reached over {$2000.00}. I contacted XXXX XXXX they let the fraud department look at it and says there is nothing they can do. I think apple should be responsible for these charges but they will not help with anything. 
I believe that apple should be responsible to XXXX XXXX and XXXX XXXX should have been wondering why apple did not state what those charges were for. I would like some compensation from apple pay but only XXXX XXXX can help me with that. This is fraudulant abuse and should be taken care of. I would like reimbursed my money from apple bay by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This all started when my wife was opening new service in XX/XX/2022 from XXXX for our new address. When I spoke to a representative, they stated I owe {$980.00} for service in Georgia USA. I explained we don't live in Georgia nor have we in the past. I gave the representative all of my current information as well as my personal information for verification purpose. However the representative stated I still owe for an account I did not open, and this is fraudulent. I asked the representative if they have identification on file and they said yes. 
They called several times requesting payment and tried to withdraw funds from my credit card for the past amount due from someone in Georgia. 

Yesterday I received a letter from XXXX. XXXX XXXX stating I owe {$4100.00}. 

This is illegal and I should not be charged or pay for something I have no knowledge of. I explained this to the representative, however they were not interested in hearing what I had to say. They wanted me to pay for someone's else bill.

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 2023-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: IL

Complaint narrative:
I have submitted three complaints XXXX, XXXX, XXXX and collector response was not a resolve to the issue to remove this debt from all credit bureaus. The collector stated it would remove once investigation was done and results were provided which is not needed. The collector has been aware of the fact by certified mail that the XXXX at XXXX were in litigation over this matter and has received dispute letters, court documents, and final decision then filed this fraudulent debt to all credit bureaus knowingly. No investigation is needed because the lakes at crossbridge has never provided collector with any valid information to support debt and since it was in litigation it should have never been filed originally anyway. This debt should be removed from credit reports immediately and is defamation of character as well as fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: Sarma
State: CA

Complaint narrative:
This company named Sarma made 2 unauthorized inquiries on my credit report without my permission and demand that these be removed immediately!! I never gave nobody theyre associated with nor them to pull 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 2023-04-11 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:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, instance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting * of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15. U.S. Code 1681 c-2 ( c ( 1 ) C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence!

Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked.

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 2023-04-11 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:
TransUnion continues to add these inaccurate inquiries and accounts to my consumer report. Ive continuously tried to fix this issue with them and they refuse to fix the problem for me. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2023-04-11 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : XXXX XXXXXXXX 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 XXXXe XXXX : # XXXX XXXX XXXX XXXX XXXX & XXXX : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Refund related to XXXX Honda Property Tax for a car that was sold in XXXX. 

I had leased a car with Honda in XXXX and had registered with KY license plate. In XX/XX/XXXX I sold my vehicle to a XXXX car dealer in the state of California with all the settlements. 
In XXXX, I did not hear from Honda Financial services or from the state of Kentucky for any property tax due. In XX/XX/XXXX, I got a letter from Honda Financial services that a property tax of {$210.00} was due for the XXXX. 

In the month of XX/XX/XXXX I called the KY department of motor vehicle and closed the license plate for my XXXX Honda XXXX and as per suggestion from them I opened a case with Honda financial for a refund of the tax amount for an already sold car. 

It has been almost 9 months and the refund has still not been processed. I have called the Honda financial services numerous times and they had promised to update me with the status of the refund. Since XX/XX/XXXX I did not hear back from them and each time I call the customer service a new associate picks up and confirms they are not aware of the case. It is becoming a challenge for me to get a refund as Honda Financial services is not assisting in any way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11 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 delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have no knowledge of this debt to Jefferson capital Systems in the amount of {$2900.00} which was opened on XXXX XXXX, nor do i know of the person who allegiantly opened this account are gave anyone permission to open this account. I know that this account was opened frequently and i wish to have it removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
See the attachments for : -Bank of the West notification to me of a breach in my online banking account. 
-Bank of the West Complimentary Service Offer for one year subscription for " Identity Guard '' credit monitoring and theft protection service. 
-Redemption Code and instruction to self enroll by XX/XX/XXXX. 
- ContacXXXX number for Questions. 
- Features to include " 3-Bureau Credit Report and Scores ( provided by Credit Expert )... etc. 
- Signatory on the letter by " Corporate Security Office, Bank of the West '' I enrolled in late XX/XX/XXXX. 
- I attempted to access and review my account in late XXXX or early XX/XX/XXXX. 
- The account was empty of any data other than my contact information. 
- Identity Guard explained to me that Bank of the West " had not paid '' for the service. And instructed me to call Bank of the West. 
- After a half dozen phone calls and hours on the phone ( various dates ) with BoW customer service people and supervisors on XX/XX/XXXX I was told by a woman in Online Banking that 1 ) they had found the letter, 2 ) were working on it and would be in touch with the resolution. 
- I followed up on XX/XX/XXXX. After 45 minutes of discussion with underlings I am told by " XXXX '' in XXXX Banking that they have no such letter and the issue doesn't lie with Online banking, plesse call the number provided in the letter. He then hung up on me. 
- I called the number in the letter again. For the third time they transferred me to Online Banking. 

8 months after the breach I still have not received the monitoring services or even a phone number for the office that sent me the letter.

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 2023-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have attempted to get all three credit bureaus to reinvestigate my account and to send me the information I had requested after they investigated. They would send me letters back stating verified every time I have tried to dispute this account due to in accuracies. 

I have sent this letter asking for this information and have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: TN

Complaint narrative:
Credit Reporting Agencies listed illegal information in pursuit to Section 15 USC 1681A.

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 2023-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This matter is from my XXXX XXXX car insurance bill. This company has somehow found a way into my bank processing system at Bank XXXX XXXX XXXX, alerting all my daily transactions to XXXX XXXX I had to request USPS mail billing ( Then the company increases your premium by {$100.00} ). I'm not paying this bill of {$110.00}. XXXX XXXX has been informed and they refuse to accept any responsibility for the matter. 

** And this matter needs to be forwarded to the OCC and other banking regulators in Washington.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: LA

Complaint narrative:
According to 15 U.S. Code 1681b ( a ) ( 2 ) without written consent specifically from the consumer, companies or credit reporting agencies are not allowed to report any information on my credit report. I never gave any company that is reporting accounts on my credit report my permission to report any of these accounts onto my credit report. This leads way to identity theft. Due to this drastic mistake I am asking that these accounts be removed according to 15 U.S. Code 1681c-2. None of these accounts report any transaction that was made by the consumer and must be removed immediately within the 4 day time window. I have sent every company a certified mail letter explaining these discrepancies but nothing has been accomplished. I am a federally protected consumer and should be treated as such.

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 2023-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I received a letter from XXXX XXXX regarding a fraudulent debt that FORTIVA has already stated theyd cancel/waive this due to identity theft ( See attachments ) however XXXX XXXX is trying to collect on a fraudulent debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
EQUIFAX is reporting inaccurate information on the consumer report. Ive already tried resolving the problem by communicating by mail. I demand EQUIFAX to delete all unverifiable non validated as well as the inaccurate information showing on the consumer report that I never gave my written permission or consent to. See attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NC

Complaint narrative:
Once again my auto payment was the XXXX and XXXX of every month. They took the money out on the XXXX of XX/XX/2023. I requested a return, since auto pay is one the first. They charged me a fee off {$35.00}. I made my payment on the XXXX of XX/XX/2023. The total payment in the contract is XXXX for principal and interest and XXXX for escrow, for biweekly is XXXX. I made that payment of XXXX for the principal and interest and a payment of XXXX for escrow which equals XXXX. This is the second time this company has messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: MA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-11 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: CA

Complaint narrative:
Recently, I became aware of an unrecognized charge to my PayPal account from XXXX XXXX XXXX XXXX for {$9.00}. I disputed the charge and was informed that it was initiated by an authorized user of my account. Upon checking it out, I learned that it was not authorized by the person XXXX claimed to have initiated the transaction, and the authorized user of my PayPal account has attempted to dispute the charge with XXXX directly as well. XXXX offered a credit in the amount charged. However, XXXX refused to acknowledge the transaction dispute and even went so far as to confirm the validity of the charge with XXXXayPal previously without making any legitimate confirmation. In doing so, PayPal has ceased to investigate my dispute claim and has left me with no other recourse. It is {$9.00} in question, and the nature of the transaction stems from fraudulent activity and poor oversight. Both companies, PayPal and XXXX, have failed to take proper action and accountability. This is of great concern. Continued abusive practices like this may lead to millions or more dollars being generated from unsuspecting consumers by large companies alike via erroneous subscriptions and fraudulent unauthorized transactions. Your assistance in resolving this matter would be greatly appreciated. 

XXXX XXXX ID : XXXX Amount : {$9.00} Date : XX/XX/2023 2023

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
EXPERIAN failed to comply with 15 U.S.C. 1681b ; the company is STILL refusing to remove ALL requested items of inaccurate information from my consumer report over the phone.

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