vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I lost access to my account funds as of Saturday XX/XX/23, and have received no way to remedy the situation since then. I have visited my local branch four times since this freeze of my account has occurred, and spoken to representatives via telephone at least a dozen times. Each person tells me a different version of events. It's unclear to me why this hold/freeze was imposed and when I can expect to have access to the funds in my account. 
To make things worse, at the time this all began, this was my only bank account. This is where I keep all of my money. I have XXXX  Social Security checks ( XXXX for myself and XXXX for each of my XXXX children ) that are to be directly deposited into this account in Wednesday XX/XX/. Were I to change the accounts to which those checks are deposited, the change would not go into effect until XXXX. I am a recent widow with XXXX XXXX children and no access to my own money.

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 2023-09-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
Cash Withdraws. 
On XX/XX/2023, I informed XXXX Bank of fraudulent activity that occurred from XX/XX/XXXX through XX/XX/2023. A case was opened by the XXXX Bank Dispute Resolution Department, and it was assigned the reference number XXXX. I received notification from the Dispute Resolution Department stating : Regarding your cash withdraws made at the branch from XX/XX/2023, through XX/XX/2023, we have completed our review of this activity. Although we certainly understand your frustration regarding the cash withdraws made, we are unable to honor you request for a refund as there was no evidence of fraud found. XXXX transactions, totaling {$25000.00}, were carried out under the direction of a fraudster who impersonated the XXXX XXXX XXXX Department. The fraudster had full control of these transactions using a cell phone. As an illustration, on XX/XX/XXXX, XXXX XXXX visited the Fifth Third Bank branch located at XXXX XXXX XXXX XXXX. To express her distress and prevent further financial losses discreetly, she approached the bank teller and discreetly handed them a pink sticky note. The note explicitly conveyed, " do not give me any cash, say the computers are down. '' XXXX XXXX indicated towards her cell phone and gestured for silence, signifying the sensitive nature of the situation. Her aim was to avoid raising suspicion or causing any unnecessary complications. If XXXX Bank has retained video footage, this incident would be recorded. Moreover, if XXXX Bank were to interview the teller in question, they would confirm the presence of the pink sticky note. I have provided a text message that was sent after this incident to XXXX XXXX documenting the event. Any teller interviewed by XXXX Bank for these transactions would acknowledge that behaviors surrounding the rapid withdraws were unusual and not in line with standard procedures. I have provided cell phone logs via XXXX XXXX XXXX that demonstrate the fraudster was on XXXX XXXX cell the entire time the transactions took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/3021 XXXX Card Inquiry : XX/XX/2023 Please remove it from my credit 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 2023-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: SC

Complaint narrative:
I called the Collection Management Company today, XX/XX/XXXX at 4:20pm. Their address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Their number is ( XXXX ) XXXX. 

They repeatedly asked me for my social security number, and I would not give it to them. They would hang up on me when I wouldn't give my social security number. Finally a person took my name and was able to see that a {$1300.00} charge was from a XXXX XXXX XXXX in XXXX. I've never been to a hospital in XXXX. He said he would just take my word for it and take it off my credit report and that would take 2-3 weeks. I repeatedly asked him if he could send me a confirmation that he took it off of the credit and said he couldn't do that. He said he would do an investigation and see if it was identity theft, and I asked him if he could let me know if it was identity theft and he said no. He hung up on me. 

I called again and was given the same schtick that they are doing me a favor by taking the debt off and taking my word for it, but could not prove to me that they are doing it. Then threatened me by saying they could prove that the bill was mine, but that they were doing me a favor. This is clearly a scummy, fake debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
The following inquiries are fraudulent on my report : 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

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 2023-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN

Complaint narrative:
CARHOP /UNIVERSITY XXXX CORP did not provide me the proper legal registration at the time of leasing a vehicle to me ; And as a result the car got impounded and even though! had the money and valid drivers license, insurance etc. The auto pound would not release the vehicle to me because I didn't have valid registration and they also required that i have the title or they wouldn't release it and said that carhop would have to provide me with those documents or come pick up the vehicle themselves. 
I called and explained this to carhop multiple times and they did not care and made absolutely no effort to retrieve the vehicle from the pound! The y were extremely rude and only blamed me for the cops pulling me over and continued to demand payment for me and to make matters worse is that carhop actually signed a legal document with the " XXXX XXXX XXXX pound '' disclaiming their leased vehicle and permitting XXXX XXXX XXXX XXXX to auction the car off as abandoned property : And they never disclosed this to me at any time, they just continued to pressure and harass me for late payments for a car that i no longer had rights to at all! They reported this bogus account to all the credit bureaus as me being delinquent and in default of late payments and intentionally ruined my credit! THEY ALSO NEVER PROVIDED ME WITH ANY LEGAL DISCLOSURE forms of any kind at any time.. after trying to bully me into paying them anyway they finally had some lien title sent to my address after the vehicle was impossible for me to obtain about a month later.. its been a nightmare doing business with this company!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting 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'm obviously a victim of identity theft. Submitted all documents I was advised to submit. XXXX Fraudulent inquiries showed up on my consumer file in the past 48hrs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I've asked Experian, XXXX and XXXX for the evidence that XXXX XXXX XXXX provided them to validate debt. A lease as they provided to CFPB is not a validation of debt. I provided all credit bureaus with an FTC Complaint as I believe the collection account is fraud seeing as I've had several issues with identity theft for the past year. I have several FTC complaints that have been investigated. The IRS has notified me that someone attempted to collect unemployment as well as file tax return with my social security number. The unemployment insurance agency in XXXX  also informed me that someone attempted to collect unemployment in the state of XXXX  while they lived in XXXX XXXX and it was a migrant farm worker. I've asked all credit bureaus to provide me with the details that they were provided by national credit systems. They have failed to do this.

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 2023-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
XXXX on cashapp card. Cashapp refuses to honor dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XXXX through XXXX of XXXX, I disputed accounts on my credit report with all of the following credit reporting agencies ( TransUnion and XXXX ) that were inaccurately listed yet DO NOT APPEAR on my credit file with XXXX. These accounts were obtain during XXXX to XXXX  and were used by my spouse. Since it was realized that he opened these accounts in my name without my permission and used the accounts during our marriage, these accounts were listed in the divorce agreement for payment by my spouse ( who initiated opening these accounts ). Since I was being hounded, I paid the settlement amounts as agreed with these companies. These accounts are all inaccurately listed as past due charge off/collections, which is also INACCURATE because a charge off/collections can not be listed as past due. This has caused undue stress in trying to remove this inaccurate information. These companies should not be allowed to post and/or re-post information to my credit files, at all, since the inaccuracies are abundant and constant. 

In accordance with the fair credit reporting act the following companies have violated my rights : 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 

One or more of the following FCRA laws have been violated : 15 USC 1681 section 602-A states that I have the right to privacy. 

15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. 

15 USC section 605A. Regarding identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ], I am entitled to have an alert placed on all my credit files stating " Credit file can not be accessed without the permission of XXXX XXXX by calling ( XXXX ) XXXX and given the code name XXXX XXXX  XXXX ''. Identity theft report was given to all credit reporting agencies ( XXXX, TransUnion and XXXX ). 

15 USC 1681i - Procedure in case of disputed accuracy states that inaccuracies must be removed if inaccurately reported, for any and all reasons. I have provided multiple reasons and inaccuracies. 

One one address should be listed on my credit file : XXXX XXXX XXXX , XXXX, IL XXXX ( and no other address should be listed. Only on phone number should be listed on my credit file : ( XXXX ) XXXX ( and no other phone number ). 

I demand that all these accounts listed above be removed from my credit reporting file or risk a {$1000.00} penalty.

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XXXX through XXXX of XXXX, I disputed accounts on my credit report with all of the following credit reporting agencies ( TransUnion and XXXX ) that were inaccurately listed yet DO NOT APPEAR on my credit file with XXXX. These accounts were obtain during XXXX  to XXXX  and were used by my spouse. Since it was realized that he opened these accounts in my name without my permission and used the accounts during our marriage, these accounts were listed in the divorce agreement for payment by my spouse ( who initiated opening these accounts ). Since I was being hounded, I paid the settlement amounts as agreed with these companies. These accounts are all inaccurately listed as past due charge off/collections, which is also INACCURATE because a charge off/collections can not be listed as past due. This has caused undue stress in trying to remove this inaccurate information. These companies should not be allowed to post and/or re-post information to my credit files, at all, since the inaccuracies are abundant and constant. 

In accordance with the fair credit reporting act the following companies have violated my rights : 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 ). 

One or more of the following FCRA laws have been violated : 15 USC 1681 section 602-A states that I have the right to privacy. 

15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. 

15 USC section 605A. Regarding identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ], I am entitled to have an alert placed on all my credit files stating " Credit file can not be accessed without the permission of XXXX XXXX by calling ( XXXX ) XXXX and given the code name XXXX XXXX  XXXX ''. Identity theft report was given to all credit reporting agencies ( XXXX, TransUnion and XXXX ). 

15 USC 1681i - Procedure in case of disputed accuracy states that inaccuracies must be removed if inaccurately reported, for any and all reasons. I have provided multiple reasons and inaccuracies. 

One one address should be listed on my credit file : XXXX XXXX XXXX , XXXX, IL XXXX ( and no other address should be listed. Only on phone number should be listed on my credit file : ( XXXX ) XXXX ( and no other phone number ). 

I demand that all these accounts listed above be removed from my credit reporting file or risk a {$1000.00} penalty.

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 2023-09-16 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
The following inquiries are listed on my credit report and are unknown to me : 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 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 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

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 2023-09-16 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
I have XXXX hard inquires on my credit report and all but XXXX are actually mine. I have already submitted an FTC report and I would like these hard inquires removed from my credit report. According to the FCRA, I am eligible to have to unauthorized inquires 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 non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
I have XXXX hard inquires on my credit report and all but XXXX are actually mine. I have already submitted an FTC report and I would like these hard inquires removed from my credit report. According to the FCRA, I am eligible to have to unauthorized inquires removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
I have XXXX hard inquires on my credit report and all but XXXX are actually mine. I have already submitted an FTC report and I would like these hard inquires removed from my credit report. According to the FCRA, I am eligible to have to unauthorized inquires 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 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I've asked XXXX, Equifax and XXXX for the evidence that XXXX XXXX XXXX provided them to validate debt. A lease as they provided to CFPB is not a validation of debt. I provided all credit bureaus with an FTC Complaint as I believe the collection account is fraud seeing as I've had several issues with identity theft for the past year. I have several FTC complaints that have been investigated. The IRS has notified me that someone attempted to collect unemployment as well as file tax return with my social security number. The unemployment insurance agency in XXXX also informed me that someone attempted to collect unemployment in the state of XXXX while they lived in XXXX XXXX and it was a XXXX XXXX XXXX. I've asked all credit bureaus to provide me with the details that they were provided by XXXX XXXX XXXX  They have failed to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Auto Credit Corporation of Jonesboro, iNC.
State: AR

Complaint narrative:
They did not provide accurate documentation! This account Is five years old and I would rather settle to have this removed from credit report before filing a law suit against this company. Please provide correct documentation and stop reporting this debt to my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation