vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 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.

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-09-20 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: PA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-09-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
We have received your complaint to the Consumer Financial Protection Bureau regarding the reporting of the above referenced credit card on your credit report. We reviewed your concerns and understand that you are claiming that this account was opened as a result of identity theft. Our records show that this account was opened in person on XX/XX/XXXX, at our TD Bank location at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Your last successful payment was a recurring auto pay receieved on XX/XX/XXXX in the amount of {$180.00}. Our investigators have also reviewed your previous claim and indicated the decision remains the same. The consistent payments made to this account from XXXX have been verified and the tradeline has been deemed legitimate. I have the right to request copies of the documentation that TD Bank used to verify the account. This includes the application, signatures, and any in-person identification provided. as the stated I went in person which that is not true XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not even my district and in the auto pay you are nuts I pay all my debts through cash not auto pay your claim is weak and not legitimate also I have filea complaint with the occ

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: TX

Complaint narrative:
My wallet and phone were stolen on XX/XX/24, the thieves used my debit card and made over XXXX dollars in purchases. They had access to my phone so they changed all my banking and email passwords. I reported the incident to Chase and they proceeded to give me temporary credit to my account. After about a week they took the money back and said that in their investigation they came to the conclusion that it was not clear to them that what I was saying was true. I asked for evidence or what proof they used to reach that conclusion but never got an answer. Every time I called I got different answers on what to do next. They said that I was required to have proof of what I was saying. I now have proof of my police report which I will send to Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a business account with Bank of America under the name XXXX XXXX XXXX. I had previously encountered fraud and asked them to freeze my account. Today I received a notification that there were ACH payments sent out of my account, which were unauthorized and not sent by me. I called the bank to ask them to help handle the fraudulent charges and they told me that my freeze had expired and that I had to fill out a form and email it in to dispute the fraudulent charges. Additionally, they NEVER notified me that the account would be 'unfrozen ' after XXXX ( which they told me today. ) The bank should protect the consumer. Instead I sent off a form and received the following message- Please allow XXXX business days for your XXXX claim to be resolved. 

I called back to ask for additional help and was basically told that I am a liar and hung up on. The bank doesn't care about their customers and I am asking for help to get these fraudulent charges reversed and credited back to my account.

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 2024-09-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NETWORK CAPITAL FUNDING CORP
State: CA

Complaint narrative:
On XX/XX/XXXX, I was a round of inquiries from different lenders to get quotes and possibilities. Network Capital was one of them, and I simply wanted a quote with a soft pull, like the rest of the lenders were doing for me. Without my consent, they made a hard pull on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I called to try and remove the hard inquiry request, but they said they didn't have my application on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: GA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX. HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2024-09-20 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: GA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX. HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: CA

Complaint narrative:
This is a new complaint in follow up to complaint i.d . : XXXX Please address these issue 's below : Dear TransUnion, Thanks for investigating and providing results of your investigation, however, I am not sure what you are VERIFYING as accurate butthiscollection is ACTUALLY being reported as inaccurate and false by XXXX, XXXX & XXXX XXXX XXXX XXXX on XXXX XXXX XXXX behalf. This law firm is also falsely acting as a collection agency, when they are a law firm, along with their client, XXXX XXXX who has been sent multiple correspondences via certified mail with return receipt regarding the inaccurate and false amount their client claims that I owe them. Under California tenant/landlord law, XXXX XXXX XXXX my previous landlord has failed to send me an itemized state of deductions from my {$300.00} security deposit within 21-days. Therefore, XXXX XXXX is NOT owed any money from me, including the bogus {$150.00} amount they are claiming with XXXX XXXX XXXX XXXX which is being reported incorrectly/falsely on my credit report, which you continue to allow them to falsely furnish on my credit report and cause damages to my credit that are not true and accurate. NO money is due to them, as under California law they have forfeited any rights to not only withhold any funds from my {$300.00} security deposit or to be able to charge anything above the {$300.00} security deposit. Instead, XXXX XXXX actually OWES me a full and complete refund of my {$300.00} security deposit, which they have NOT returned back to me. I have contacted both XXXX XXXX and their law firm XXXX XXXX XXXX XXXX XXXX XXXX and both have been non-cooperative and non-responsive in refunding me the {$300.00} security deposit or removing the false {$150.00} collection amount which is NOT legally owed to XXXX XXXX. I am demanding that you take action and remove the inaccurate collection being reported on 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 2024-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently deposited a check from work to my Capitol One Checking, it went through, got my funds and threw away my check. I didn't rip it but threw it away with other trash. Someone found the check and deposited it and they got the funds and my money was reversed. I called the bank and they advised me to get a new check and let my employer know so they can dispute it. I deposited my new check and the next day, i went to check my account, my funds are in but it now says my funds are locked. I called the bank this morning to see why, they say that the account is locked because there is an ongoing investigation and have decided to no longer do business with me and close my account. 
They didn't allow me to speak with a supervisor or investigator to send my money but just told me when the investigation closes they will send my money by check in the mail. This is all through phone call today at XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: LA

Complaint narrative:
The account was charged off on the following date XXXX XXXX since then, the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. The inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

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 2024-09-21 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: LA

Complaint narrative:
The account was charged off on the following date XXXX XXXX since then, the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. The inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

XXXX  XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: PA

Complaint narrative:
I am not associated with the creditors mentioned, and these inquiries are not mine.

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 2024-09-20 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: NV

Complaint narrative:
My credit report has an inquiry I don't recognize nor applied to, I did not give permission to this companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently checked my credit report and found inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my credit score unfairly.

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 2024-09-20 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: NC

Complaint narrative:
To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate charge off account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
In XXXX of XXXX i filed for forbearance due to divorce. No forbearance payments were missed. As of XX/XX/XXXX they stated that i owed XXXX $ plus my current payment to continue. my divorce ended and they gave me scenarios to add remaining balance to end of the loan which would not be due until XX/XX/XXXX. They have since reported delinquency of 120 days. They clearly stated that this option would 100 % not affect credit and mot normal payment would resume XX/XX/XXXX. There was NO payment for XXXX. But the previous conversation had me pay an extra XXXX $ to make sure i wasnt delinquent. This exact thing has happened all over to people. My credit score dropped by XXXX points in 1 day. I was told the remaining balance would be added to end of the loan and this would NOT be reported along with forbearance that would not be reported. The house has been sold and pennymac made whole, no idea why they went against their word.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Ive told them to stop calling me and that this is considered fraud. Ive already reported it, but that did not work at all. I dont know what else to do, but I just wanted to stop already.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation