vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 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: IL

Complaint narrative:
I have been trying to get these fraudulent accounts off my credit reports for years and the credit buearus don't even investigate my claims and just respond that the accounts been verified. But they have never sent me proof of any documents with my live signature that I signed and opened these accounts. I have proof I was incarcerated in jail when these accounts was opened. I have never lived at XXXX either. My information was lost and breached by XXXX of the credit bureaus. I have police reports as well. I had other accounts before that was opened as well, but they was removed. The credit bureaus taking a company word over my word. Its the credit bureaus right to report accurate information and I'm letting them know that the information being reported is not accurate. It's my credit file and I know what I apply for, and I know my rights.

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 2023-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation
State: CA

Complaint narrative:
On XX/XX/23 I discovered an unauthorized charge on my XXXX  banking account for XXXX  XXXX XXXX XXXX for XXXX . It seems someone has fraudulently connected my bank account to an XXXX  account. I DO NOT have an account with XXXX  and have never opened signed up for any of there services.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One claimed an alleged account was opened on XX/XX/2018 ( XXXX yrs, XXXX mos ) The account was closed on XXXX XXXX. 

The account is causing my score to drop tremendously. 

I have been in contact with capital one numerous times and have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Vehicle loan or lease — Loan
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: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
I moved from XXXX to XXXX. I started the process to get my car title transferred from Hyundai Motor Finance in XXXX through XXXX XXXX XXXX in Audubon so I could register my car in the state of Pennsylvania. I called Hyundai Motor Finance multiple times in XXXX and XXXX for updates on the title transfer process - each call an agent would tell me a different thing. Sometimes they said the process would be completed in a few business days, sometimes they said they were waiting on documents ( even though the documents were already sent and the Auto Tags location confirmed they received it ), sometimes they said they couldn't send the title because it wasn't a notary location ( XXXX XXXX XXXX is a notary location ). 

Hyundai Motor Finance would give me false timelines- they would say I would have an update in XXXX business days and I would call back in XXXX business days and they would say they have no updates and no information on when the title will be processed or when it will be sent. It is now the end of XXXX, I still do not have my title to complete my car registration in Pennsylvania, and I received a letter from the DMV that my current California car registration will be revoked and I will lose my license if the registration is not completed by the end of the month. 

I am at a loss here- I can not get someone from Hyundai Motor Finance to tell me a real timeline or what the hold up is. I'm given different information and timelines every time. They told me on XX/XX/XXXX that the title was printed and just needed to be sent via mail and will be completed in XXXX business days, but it still has not happened. I am going to lose my car registration and license because of their business incapabilities.

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 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
Violation of 15 USC 1681 No permissible permission or contract with the company Unauthorized use of Assumed Name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX

Complaint narrative:
I requested validation of alleged debt twice from BUSINESS PROFESSIONAL SERVICES.I have no contract with BUSINESS PROFESSIONAL SERVICES and there is no debt owed to them. The first request for debt validation was sent on XXXX and was responded to on XX/XX/XXXX. A second request with detailed information including the full name, senders return address and last 4 of social security card number. BUSINESS PROFESSIONAL SERVICES responded with an identical copy of the first response, requesting information already provided. As well as a clear decription of the documents requested by sender, possible violations by BUSINESS PROFFESIONAL SERVICES, with ample opportunity to remedy. BUSINESS PROFESSIONAL SERVICES has potentially violated 18 U.S.C. 8, 12 U.S.C. 1955, 12 U.S.C. 1957, 15 U.S.C.77K, 15 U.S.C . 77w, 15 U.S.C 77x, 15 U.S.C. 77y, 15 U.S.C. 77q, 18 U.S.C. Ch 47, 18 U.S.C. 1911, 18 U.S.C. 1953, 18 U.S.C. 1957, 18 U.S.C. 1962, 18 U.S.C. 1963, 18 U.S.C. 2073, RICO Act, FCRA, FOIA, Securities Exchange Act of 1933, Securities Exchange Act of 1934, 15 U.S.C 1631, 15 U.S.C. 1637a ) among others I will be contacting the Securities Exchange Commission as well regarding this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 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: NY

Complaint narrative:
I notice these inquiries that weren't authorized on my behalf and spoke to EQUIFAX about the matter in which they wanted me to write an FTC report so I did that as well but still no response and these inquiries still remind on my credit report, I attached the FTC report and did my part to get this resolve, I hope you could help me with this matter with EQUIFAX and come to a resolution. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: PA

Complaint narrative:
I am writing to advise I have been a victim of identity theft for the following account XXXXXXXX XXXX XXXX XXXX XXXX hard inquiry. I did not authorize the use of my name or personal information to obtain credit loans, goods and or any other services pertaining to this report. I am requesting this fraudulent accounts be corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to advise I have been a victim of identity theft for the following account XXXXXXXX XXXX XXXX XXXX  XXXX hard inquiry. I did not authorize the use of my name or personal information to obtain credit loans, goods and or any other services pertaining to this report. I am requesting this fraudulent accounts be corrected as soon as possible.

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 2023-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Violation of 15 USC 1681 No permissible permission or contract with the company Unauthorized use of Assumed Name

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 2023-01-25 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: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Bad experience with BECU I got my business checking account until one day on the on XX/XX/XXXX of 2022 someone took XXXX dollar on my account and make a payment on a credit card wich it belong to XXXX XXXX and I went over and complain but they say that they cant do anything I m so upset with BECU but they never do anything they say that its my obligation to check my account every day plus the dont give me XXXX XXXX XXXX so I dont recommend BECU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was working with a lawyer XXXX XXXX from XXXX XXXX XXXX. to get my bankruptcy filed and I received, what is now to be known as a fraudulent email from someone impersonating XXXX XXXX telling me that the company was having trouble processing payments through their normal portal and I was XXXX enough to request an bank transfer on XX/XX/2022 to the so-called bank account of the lawyer. The email appeared to be from the paralegal ( XXXX ) that I was working with but it was not her. I lost {$1800.00} through it because the bank will not refund the money because I initiated the transfer. I reported it to the police here, but doubt they will do anything. The lawyer informed me a month later that they never received my money. and that is when I started to contact the bank and reported it to the police

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 2023-01-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I did not open a credit card from Bank of America from XXXX to XXXX. The account # is XXXX on 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 2023-01-25 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: OH

Complaint narrative:
Beginning in late XXXX, I began receiving a number of alerts from the credit monitoring services that I have, saying that either new inquiries had been made on my credit report, new addresses added to the report, or in some cases even new accounts opened. I contacted Experian, XXXX, and XXXX in order to dispute these items, and I have also been contacting the individual companies that are making the inquiries/ opening the accounts in order to ensure that all accounts are closed or applications denied. Originally, the credit reporting agencies suggested that I place a fraud alert on my credit report, which I did early in the process. However, that did not seem to have much effect, as I continued to get alerts about new inquiries and accounts. More recently, I discovered the option of a credit freeze ( which was never explained by the reporting agencies - Experian did suggest that I sign up for a paid service they offer in order to lock my report, but did not explain that it was also possible to do essentially the same thing for free with a freeze ). After placing freezes at all 3 bureaus, the alerts have definitely slowed down, but I did receive another address change and inquiry today ( 3 days after placing the freeze ). 

I am submitting this report because I was directed by Experian to submit a report through reportfraud.ftc.gov and upload it to them, and that site sent me to the CFPB website to submit this when I selected the type of 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 2023-01-25 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: IL

Complaint narrative:
I have been trying to get these fraudulent accounts off my credit reports for years and the credit buearus don't even investigate my claims and just respond that the accounts been verified. But they have never sent me proof of any documents with my live signature that I signed and opened these accounts. I have proof I was incarcerated in jail when these accounts was opened. I have never lived at XXXX either. My information was lost and breached by one of the credit bureaus. I have police reports as well. I had other accounts before that was opened as well, but they was removed. The credit bureaus taking a company word over my word. Its the credit bureaus right to report accurate information and I'm letting them know that the information being reported is not accurate. It's my credit file and I know what I apply for, and I know my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been trying to get these fraudulent accounts off my credit reports for years and the credit buearus don't even investigate my claims and just respond that the accounts been verified. But they have never sent me proof of any documents with my live signature that I signed and opened these accounts. I have proof I was incarcerated in jail when these accounts was opened. I have never lived at XXXX either. My information was lost and breached by one of the credit bureaus. I have police reports as well. I had other accounts before that was opened as well, but they was removed. The credit bureaus taking a company word over my word. Its the credit bureaus right to report accurate information and I'm letting them know that the information being reported is not accurate. It's my credit file and I know what I apply for, and I know my rights.

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 2023-01-25 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:
In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. D15961 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A : It also states a consumer reporting agency can not furnish an 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 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
No answer from customer service

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are addresses and employment information on my credit report that are inaccurate. I will like them removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I disputed a collection on my Experian on XXXX. The debt collector sent a letter with private medical information, no written consent for them to have this, so they violated HIPAA. I dont feel it was investigated, as I also included proof that the was in 2016 and its being reported as a new debt. I didnt know of this debt because I was covered by XXXX, but found out they had my information incorrect, so it didnt cover this debt. I cant contact the original debtor because they no longer exist.

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 2023-01-25 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: TX

Complaint narrative:
I did not open a credit card from XXXX XXXX XXXX from XXXX to XXXX. The account # is XXXX on 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 non-monetary relief
Consumer complaint received 2023-01-25 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: TX

Complaint narrative:
I did not open a credit card from XXXX XXXX XXXX from XXXX to XXXX. The account # is XXXX on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not open a credit card from XXXX XXXX XXXX from XXXX to XXXX. The account # is XXXX on 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 non-monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: NY

Complaint narrative:
Couple of years ago, my student loan was transferred to XXXX. I was enrolled on an XXXX XXXX XXXX XXXX. As requested by XXXX, I was making my students loan payments on a timely manner. In the early part of last year, I had financial difficuties and I contacted XXXX to see what I can do. The Representative I spoke to told me that she will have my student loan in pause because of the XXXX and XXXX XXXX student loan pause that was in effect. 
XXXX XXXX, I received a collection call from Aspire Servicing Center that my loan was one month defaulted. I tried to explained that my loan was in pause with XXXX. She told me that XXXX was no longer in business. I futher explain to her about my financial hardship and also informed her I was not working due to a car accident that I had. She continued to ignored me. I further requested information about the transition of my loan, As of today 's date, all I have received are statements of late and accumilations of non payments of my student loan. I have called and also send letters via regular mails and cerified mails to Aspire to explained my concerns, my request has gone nowhere. Instead, all I havereceived are statements which far more exceeds my XXXX XXXX XXXX that was originally with XXXX. XXXX Aspire Servicing Center has destroyed my credit and I am frustrated and dont know what to do. 
Please, I will appreciate and greatful for your assistant to resolve and rectify this matter. 
Thank you.

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