vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
My credit report states that I have/had an account thru XXXX XXXX XXXX opened in XXXX, and I NEVER EVER had an XXXX XXXX XXXX  account. I have been on my husbands plan since 2013. Either my information had been fraudulently used or an ex spouse opened an account under my identity. Its not my account, I have no account number, no bills ever came to my house or nor did I receive a cell phone from this company. My identity must have been stolen.

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 2022-07-25 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:
n accordance with the Fair Credit Reporting act XXXX XXXX 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 2022-07-25 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXnquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry XXXX 15 U.S.C 1681 section 602 A. I have a right to privacy 15 U.S.C 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 explanation
Consumer complaint received 2022-07-25 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date:XX/XX/XXXX15 U.S.C 1681 section 602 A. I have a right to privacy 15 U.S.C 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 2022-07-25 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: TN

Complaint narrative:
15 USC 1681 section 602A I have the right to privacy 15 USC 1681 section 604A It also states a consumer reporting agency can not furnish an account without y 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 explanation
Consumer complaint received 2022-07-25 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:
n accordance with the Fair Credit Reporting act XXXX 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 2022-07-25 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX 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 2022-07-25 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: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX 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 2022-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX XXXX I was scammed by a person named XXXX XXXX at XXXX. I was under extreme distress when he called and fell into his trap.He told me that he was from social security and that my card was used in human trafficking and the selling of drugs. He kept telling me not to hang up or that I would be arrested. My daughter has XXXX XXXX so I was afraid that this would happen. He told me to tell my bank that the money was being sent for remodeling. Yes, my bank did tell me that if I agree to send it they can not get it back. Nevertheless I agreed to send it. The banks name was Truist bank bank id # XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX. 
The recipient name is XXXX XXXX XXXX Account number XXXX located at XXXX XXXX, XXXX Ga XXXX I called XXXX  XXXX XXXX to report the scam on the same day I authorized the wire transfer and told them to hold the money and to contact Truist immediately to tell them to send the funds back. I gave Truist the FTC # XXXX, the police report and I filed an IC3. The amount was huge. Truist will not send back my money. How do I get my money back? I did everything right. In fact Truist from XXXX called me to tell me to contact my bank. I did that and was told that funds were put on hold. Later I learned that my private information was hacked at work, possible connection? I just want my money back

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 2022-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
COMENITY BANK XXXX IS REPORTING FALSE INFORMATION ON MY CREDIT REPORT. THEY HAVE A FRAUDULENT ADDRESS LISTED TO AN ACCOUNT THAT DOES NOT MATCH MY ADDRESS. THE ADDRESS USED ON THE ACCOUNT WAS A FRAUD ADDRESS AND SOMEONE STOLE MY IDENTITY AND USED XXXX XXXX as the address listed and my apartment number is XXXX. 
the apartment XXXX is NOT MINE. 

Account information Account name XXXX/COMENITY/XXXX  Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my right 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. 15 U.S.C 1681 SECTION 602 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 2022-07-25 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: GA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my right 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. 15 U.S.C 1681 SECTION 602 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 2022-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kinum, Inc., Indianapolis, IN Branch
State: CA

Complaint narrative:
( 1 ) I did not feel comfortable with XXXX using my ( minor ) daughters name on the call. He said, well wasnt the account for her? 

( 2 ) The charges happened during the State of emergency when the entire State of California was on lock down causing school and business closures ; only essential businesses were opened ; Per the State of California all businesses were closed that were not considered essential businesses Covid 19 XXXX  : XXXX ( 3 ) I continued to pay XXXX XXXX XXXX on time during the entire lockdown until my debit card was compromised and replaced by my banking institution XX/XX/2020 even though they were closed. 

( 4 ) My daughter was not using the equipment ( it was still in good condition once I returned it ) because her school was closed and due to the entire state being shut down until further notice, I wasnt sure how to resolve things since I did not received NO communication from XXXX XXXX XXXX  until the payment was needed in XX/XX/2020. 

( 5 ) XXXX XXXX XXXX have no records of me communicating with them and/or made no effort to communicate with me. 

( 6 ) When I finally got tired of disputing being reported to the credit bureaus after continuously escalating the call with corporate, I returned the equipment, updated my billing address and asked for an itemized statement of the charges from the store who referred me back to corporate. They never resolve the dispute and sent me to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received a letter from CAPITAL ONE AUTO FINANCE with the threat of repossession for the amount of XXXX, XXXX with the last day for payment of XXXX. A tender of payment according to UCC 3-603 was sent to CAPITAL ONE FINANCE on XXXX for the amount of XXXX, XXXX, XXXX. It was received at XXXX am on XX/XX/2022 picked up by a individual, at the postal facility. Speaking to XXXX XXXX ID XXXX from the office of the president on XX/XX/2022 at XXXX stated to me that CAPITAL ONE follows all USC AND UCC CODES. Today upon XXXX, XXXX  upon speaking to CAPITAL ONE AUTO FINANCE it was said to me that they had not received my tender of payment yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
On Monday XX/XX/2022 I reached out to Mariner Finance to negotiate debt settlement and ask questions in regards to how I can better my credit score. When talking to the rep she was very aggressive and started blaming me for not paying my bill and then started to scold me on the very matter. I said hey looked I am XXXX and have reasonable justification to why I needed to negotiate the debt owed as well as negotiate negative annotations on my report. The rep then said 'oh just because you are XXXX that means you can not pay up '. This is a direct violation in accordance with the American with XXXX act and due the exacerbation and harassment on my condition by the company 's representative. I had to end the call abruptly because of the negative toxic treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25 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: GA

Complaint narrative:
I went to a dealership to purchase a car and told the dealership to only run my credit through them. Come to find out my information was spewed everywhere with a lot of hard inquiries. As well I have accounts without any knowledge and without my permission. 
XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  FL 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/Georgia XXXX XXXX XXXX XXXX Georgia 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 2022-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Duncan Solutions, lnc.
State: PA

Complaint narrative:
On XX/XX/2022, consumer received documents in mail from Professional Account Management LLC alleging debt owed. Professional Account Management LLC is a third party for XXXX XXXX XXXX Both companies have violated FDCPA

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 2022-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX I went to a chase bank ATM branch I deposited over XXXX $ I got a receipt from the ATM for deposit confirmation but the money didnt show up in my account I called the bank claim department they told me that they didnt find the money I gave them a proof of that they money has been deposited in the ATM but the money is not in my account they refuse to credit the fund in my account after showing them the receipt. Im asking a trial against the bank to get my money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25 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: FL

Complaint narrative:
I submitted a dispute with you on XX/XX/2022 where I explained how unfairly Experian is going about when it comes to my disputes. When I called I was unable to dispute, when the dispute was done I didnt even get notified I had to find out by looking it up on the Experian platform. I was not properly notified by mail or email. Id like to start by saying that this is the only credit bureau displaying such information. I dont have a XXXX account on any of my other bureau credit reports. Most importantly, the information on this account is invalid. It has a phone number thats not mine, an incorrect address, and even the name seems off. This account is erroneous/invalid and must get deleted. Experians reluctance to delete this account is very suspicious since an FTC report has even been provided. They reach out to the creditor directly instead of a non-affiliated third party.

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 2022-07-25 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: GA

Complaint narrative:
I went to a dealership to purchase a car and told the dealership to only run my credit through them. Come to find out my information was spewed everywhere with a lot of hard inquiries. As well I have accounts without any knowledge and without my permission. 
XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  FL 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. XXXXGeorgia XXXX XXXX XXXX XXXX Georgia 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 2022-07-25 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: GA

Complaint narrative:
I went to a dealership to purchase a car and told the dealership to only run my credit through them. Come to find out my information was spewed everywhere with a lot of hard inquiries. As well I have accounts without any knowledge and without my permission. 
XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX FL 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. XXXXGeorgia XXXX XXXX XXXX XXXX Georgia 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 2022-07-25 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: SYNCHRONY FINANCIAL
State: WY

Complaint narrative:
Synchrony Bank declined issuing me a credit card because XXXX Credit reporting agency erroneously reported my death ( Synchrony Bank says XXXX XXXX, I'm dead ', which I am NOT ). I'm very much alive! 

I reported the error to XXXX, XXXX, TX, on XX/XX/2022 ; I also reported the error to Synchrony Bank, XXXX, FL. on XX/XX/2022. 

Synchrony Bank refuses to reconsider or investigate the use of bad information ) ' ; and, it's impossible to reach XXXX by phone ( XXXX has not responded in writting to my alert of wrong information ). 

XXXX and XXXX credit agencies report me as 'alive ', but Synchrony Bank refuses to use any information other than the credit information provided by XXXX. 

XXXX reported my death OR the credit reviewing officer at Synchrony Bank misread XXXX 's credit report ( It's impossible for me to talk directly to a Synchrony Bank credit analyst ). Synchrony Bank sez 'Synchrony can do nothing unless XXXX corrects the erronous information ; Synchrony Bank refuses to use the information provide by XXXX XXXX XXXX XXXX credit rseporting agencies. 

Its a quagmire ; unable to talk to anyone who cares or will correct the misinformation. I am ALIVE - I have other ACTIVE credit cards AND AN EXCELLENT CREDIT RATING ( @/ above XXXX XXXX score ). 

I think the error may result from the death of my wife on XXXX ; but I did not die. I am ALIVE! Did XXXX think the death was mine OR did the loan officer fail to note the difference : my wife died, I did not die! 

The only reason i want a Lowes-branded credit card ( XXXX XXXX makes credit decision ) is to buy a Lowes product. 

Please help, and if appropriate - issues santion/citation against XXXX and Synchrony Bank XXXX XXXX XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, WY 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 2022-07-25 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: TX

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 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 has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer for reporting agency can not furnish an 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 explanation