vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: The Aligned Company DBA Extra
State: TX

Complaint narrative:
i had made a dispute about numerous transactions from XXXX. i disputed because either didnt receive refund for merchandise or i was unable to return defective items due to XXXX closing my account. i had then preceded as requested by EXTRA to provide specific evidence about the transactions and they then given me credit for the transactions. They then denied my claim saying that i didnt provide necessary evidence. which is incorrect because i provided all pieces of info asked of me and also if there was more info that was needed that should have been stated sooner and to not close the claim before talking to me about it. Now they are saying that the claim is denied and that i cant open it back up since its closed already and they are repeatedly trying to recharge me for the amount. they are also threatening to report this to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: PR

Complaint narrative:
On XX/XX/XXXX at XXXX I received a call and voicemail message from XXXX XXXX fraud department saying that they wanted to confirm suspicious activity with my information. I ignored the message because during that time I have been receiving many scam calls and texts to my cellphone. 

On XX/XX/XXXX, I was browsing my XXXX XXXX and found a hard inquiry done to my credit report that I had not requested or authorized. The hard inquiry was made on XX/XX/XXXX and the institution Information is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I quickly went to Equifax and submitted an online dispute describing what had happened. The resolution came on XX/XX/XXXX, and it determined that " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' The whole result of the dispute is attached in this report. 

On the same day, I called XXXX XXXX, and they told me that they are not able to do anything about it and that I have to take the concern to a Credit Bureau. 

After that, I called Equifax. They added a fraud alert on my credit information and prompted me to make a report to the Federal Trade Commission. From the FTC, I was redirected to this forum.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: Westlake Services, LLC
State: GA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Incorrect information on my credit report Address : 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 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
XX/XX/2024 - Someone opened a Capital One Business credit card in my name and obtained a credit report from XXXX. 
Called Capital One and alerted them to this fraud. They said they would stop the issuance of the card and send the matter to their fraud unit. They recommended I file a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A.
State: RI

Complaint narrative:
Hello, I simply needed a letter staing I am not a current customer. They would not produce it. My closed account is still being reported late to the credit bureaus. They are forcing me to file a dispute to fix. I needed a letter today. I dpoke to 3 peopl 2 supevisors, with not imediate help. 



Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: MI

Complaint narrative:
I believe my information is been sold by third party companies I keep receiving notifications of hard inquires I dont recognize

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 2024-02-07 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: MI

Complaint narrative:
I believe my information is been sold by third party companies I keep receiving notifications of hard inquires I dont recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
I have reason to believed that the XXXX XXXXXXXX XXXX XXXXXXXX is not associated with me. I have no record of any financial transaction or agreement with XXXX XXXX, and I request that you verify the accuracy of this account 's ownership and show me a copy of the ( purchase agreement ) between XXXX and creditor for this dept If such authentic document can't be presented to me, I suggest TransUnion to delete this account from my credit report 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 non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have received your recent correspondence from the Complaint regarding the reinvestigation of the accounts mentioned in my previous communication. However, I remain unconvinced by the information provided, as it differs significantly from the data presented by other credit reporting agencies.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: IL

Complaint narrative:
I have attached letter with all incorrect rporting items on my credit report sent to credit report company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received my card in the mail so I tried to activate it online. It was asking questions I dont recall setting up. I was locked out. Call citi. They said they couldnt text but would call. No one called me so I called back and they said that I couldnt be verified. They asked me for my full checking acct number and then said they couldnt get ahold of XXXX XXXX which is scary that she asked me for my acct number and then claimed to not reach anybody during business hours. Its hard to understand the agents since theyre not from the us XXXX I feel so descriminated against. I was added by XXXX XXXX who speaks highly of city bank. This is the worse. Is it because XXXX XXXX? This is horrible. The agent kept saying she cant hear me. Im XXXX XXXX XXXX. Im trying to handle business as an adult but its hard when Im being treated poorly

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
the credit reporting agencies keep reporting late payments to my credit report which is illegal ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

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 2024-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CHERRY TECHNOLOGIES INC.
State: TX

Complaint narrative:
The issue involves the reporting of a charged-off account and the failure to provide the required Form 1099-C for canceled debt. A formal request was made for the issuance of Form 1099-C to ensure accurate reporting of the canceled debt, as per IRC Section 6050P. Despite previous requests and the company 's commitment to resolving the matter, the necessary documentation has not been provided.

It has been noted that once a debt is canceled and a Form 1099-C is issued, the credit report should no longer show a remaining balance due. However, the status of the account has not been updated to reflect this. Relevant laws and regulations, including the Fair Credit Reporting Act ( FCRA ), Internal Revenue Code ( IRC ) Section 6050P, and others, were cited to emphasize the importance of accurate reporting and compliance with legal requirements.

The resolution requests include the issuance of Form 1099-C within 30 days, immediate deletion of the reinserted charge-off from the credit report within 45 days, and compliance with the Servicemembers Civil Relief Act ( SCRA ) within 60 days, among others. Failure to provide Form 1099-C within the specified time frame may result in the filing of IRS Form 3949-A.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have had issue after issue using an Amex Gift Card. Every physical store I go to - my transactions are declined. This is beyond embarrassing as everyone tells me that there's probably no funds on the card. When I check the Gift card balance it remains the same - and says its Activated. All he instructions on ways to use the card do not work. I've tried using the card for a transaction that is below the balance amount and those transactions are declined as well. I have called and Amex says to wait a couple days and try again. This is extremely frustrating as there are funds on this card that I am unable to use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
To Whom It May Concern, I recently received a copy of my Experian credit report, and I noticed an late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b. Your company is in clear violation of the law. Under 15 USC 1681b - permisible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. Best regards, 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 2024-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: ALL WESTERN MORTGAGE
State: CO

Complaint narrative:
In XXXX of XXXX I applied for a refinance mortgage with Allwester Mortgage to take equity out of my investment property in order to purchase another investment property. I had just filed my XXXX XXXX XXXX taxes and still owed {$35000.00} on them. Allwestern Mortgage required the XXXX taxes be paid so they took additional equity out in order to pay the XXXX taxes at closing. However, Allwestern gave XXXX XXXX ( title co ) the XXXX estimated tax vouchers to pay instead of having them pay the XXXX taxes. Now the IRS had penalized me an additional {$8000.00} and the threat of having a tax lien put on my property since the mortgage company told the title company to pay the wrong taxes. 
I reached out to the title company who sent me the chain of emails stating the mortgage co told them to pay the XXXX estimated vouchers. I then reached out to the mortgage company via phone and several emails with no response. The IRS will not accept my XXXX XXXX XXXX XXXX since my XXXX taxes were not paid. I have attempted to settle the issue, but Allwestern Mortgage will not return phone calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My identity was stolen and was used to open two separate bank accounts with Bank of America one personal and one business the one business is under XXXX XXXX XXXX XXXX which is not mine which I've never heard of, the other one was under my personal name but spelled wrong, it was resolved, the XXXX XXXX XXXX XXXX is not resolved they have Black flag me and I can't even cash a check nonetheless anything else I have spoken with them several times sent in their paperwork twice on top of that I've had a mortgage with Bank of America since 2008 and never missed a payment and they have black flagged me across the board it needs to stop and they have cost me money they have cost me time and they have drug my name through the mud

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 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
dispute XXXX i never got my item and chime refuses to issue my money back i have filed a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2023, XXXX XXXX entered the TD bank branch in XXXX XXXX FL and removed me from several co-owned bank accounts without authorization or consent. The branch manager was complicit in this fraud and did not require proper written consent to make these account adjustments. TD bank violated my rights and has created irreparable harm. They may have accepted falsified documents and otherwise failed to protect my privacy and failed in their own due diligence. The bank refuses to provide relevant policy and procedures that were followed in taking their actions and has failed to investigate my concerns. 

The impacted accounts end in XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Selene Holdings LLC
State: NV

Complaint narrative:
Sent 2 requests to XXXX XXXX and they failed to respond prior to filing an adversary complaint. 

I filed a Foreclosure Mediation Petition. The mediator committed perjury and the court court did not conduct a hearing and ruled against me. 

I filed for bankruptcy ( XXXX ) in XXXX of XXXX. 
I filed an amended adversary complaint ( XXXX ) against all attorneys falsely claiming they represent USBT ( and attached a letter of proof from USBancorp ) See Exhibit XXXX. 

All attorneys maliciously intend to deceive the public and me under the false premise that knowingly recording false documents with XXXX XXXX XXXX XXXX XXXX would have the legal effect that U.S. TRUST BANK NATIONAL ASSOCIATION, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR RCF2 ACQUISITION TRUST, a defunct and closed [ trust ] since 2016, with whom Defendants were not authorized to represent, owned the Note and Deed of Trust, thereby committing mortgage lending fraud pursuant to NRS 205.372 ( 2 ).

Company response to consumer: Closed with explanation