vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-25 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 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: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
Since XX/XX/2023 I have been receiving multiple harassing calls and when I answer no one is on the other line and the line disconnects. After calling back and speaking with several people to identify why I am receiving these calls I was informed of three different balances that I allegedly owe and to date, no one has identified what amount is the true balance. I was also told I would have to call back to identify where this balance has come from. I also have not received any written documentation regarding this matter and was told several notices were sent out to the incorrect address since XX/XX/2023. I also want to include that my credit has now been impacted with negative and derogatory comments, this is an unfair and deceptive business practice as I have held multiple accounts with Hyundai and have never had this issue.

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 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a credit card with capital one in XX/XX/2022. It wasnt until the end of that year that i began using the account and subsequently allowed my daughter to use while out one day. She lost it... meanwhile I never received any type of statement or call from them regarding payment etc recently i was applying to refinance my mortgage and the lenders report showed the account to be over the limit and late. I immedialtey reached out to cap one only for them to advise that they had my info incorrect in the system so i couldnt make a payment and would have to mail a copy of my id. so you can see me kinda, its on my report, im calling to make a payment and there is NO record... 

they advised that it would take a full 10 business days to research after receiving my license but weirdly in that process i receive my FIRST bill / statement, which i paid in full. Im not even sure that all of the transactions are mine but i want to do whatever works in the best interest of my credit the fastest

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX and 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 2023-05-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX 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 2023-05-25 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd
State: OH

Complaint narrative:
Wise prompted me several times to go through an appeal process after a month of raising the first appeal, holding my money for more than a month and finally refunded it partially, surprisingly for reasons that was never communicated to me. This is totally unacceptable The company ( Wise Inc ) has not fulfilled all my requirements and has based their conclusions based on their own hypothesis/assumptions, without following the normal standards and procedures which are agreed in the customer agreement. I have briefed below the points in breach by Wise Payments : 1 ) Wise has listed the potential reasons of account closure ( 4 reasons ), however, they didn't elaborate which reason in specific is related to my case or how they arrives to their own conclusion. They claim that the " way how they are regulated '' prevents them from discussing this forward. This is totally random and against the industry best practice. Moreover it diminishes the basic customer rights inline of financialregulations worldwide. 

2 ) Wise decided to act on their own discretion to " refund '' senders in response to disputes raised by them pertaining transactions XXXX from XXXXXXXX XXXX ( XXXX XXXX  ) & XXXX ( XXXX XXXX ). They performed the refund from " my account '' without intimating me, raising specific questions as to why or how I received these funds or what I have provided in return and/or without a court decision to perform this action! This is totally unacceptable and reflects a discrimination against their own clients, aligning with " potential scammers '' without proper reasoning or justification. These transactions took place as a trade of virtual assets/crypto ( XXXX/XXXX ) on a peer-to-peer platform. Screenshots of the completed trades and/or my conversation with the buyers ( who turned out to be scammers have been sent to Wise Payment 3 ) While I am now in loss of ( XXXXXXXX XXXX ) due to the random illegitimate action of Wise Payment performed on my account, Wise is offering in a return a compensation of {$150.00} for the damages impacted me and my family due to the delay and unprofessionalism of their action!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX 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 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts XXXX 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 non-monetary relief
Consumer complaint received 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-25 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: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
XXXX PLEAE DO NOT ALLOW TD BANK TO CLOSE THIS AFTER 1 DAY FALSELY CLAIMING THIS AS A DUPLICATE COMPLAINT. THE DISPUTE IS VALID AND THEY ARE BREAKING THE LAW BY REFUSING TO INVESTIGATE AND REMOVE THIS FRUAD ACCOUNT. 


TD Bank issued credit to third party for XXXX, unknown to me, without my knowledge or consent. I have lived and worked in XXXX since XXXX and before that I was working and living in XXXX. This account appeared on my credit during a routine security clearance check in XXXX, of XXXX. I disputed this with TD Bank, and provided proof that I am in XXXX now, since XXXX, and in XXXX before that. 

TD did not investigate at all. They again reposted this on my credit profile, knowing it is a fraud account again in XX/XX/XXXX! 

This is, and never was my account. I can lose my security clearance and my job due to TD Bank 's multiple error 's and continued false reporting of an account that I do not have with them.. 

I am again sending you my IDs showing where I am and have been since XXXX. 

Please santion TD Bank for posting slanderous details about me, that are for an account that ism and never was my account. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 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: OH

Complaint narrative:
In XXXX of 2021 i attempted to open a line of credit from XXXX XXXX  to purchase merchandise from XXXX XXXX  in XXXX XXXX, OH. Due to unforeseen circumstances once the line of credit was opened i immediately closed it before any purchases were made. The account was closed in XXXX and was removed from my credit report then it was refurnished in XXXX. 
I was given a letter from bobs furniture stating i never received any products but acceptance now continually furnished account saying i did. After almost two years of back and forth they finally deleted the tradelines with XXXX and XXXX. Experian is refusing to honor the request for deletion that was sent to me and the other credit bureaus.

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 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Opened an account with an associate in the branch of Bank of America, everything was online. The next day account was locked and when I called customer service, I was told that I needed to verify my identity in the bank. I went into the bank and was told that there are glitches with the online opening of an account so the associate reopened an account for me. A few days later I deposited my paycheck from work and the teller said it would be in my account on XX/XX/XXXX, it was in the account on XX/XX/XXXX. On XX/XX/XXXX I checked my account online and it said my funds were on hold. I immediately called the customer service number and they stated I needed to go into the bank again to verify my identity yet again. I went to the Bank of America location and the associate called the Risk Management Dept and they were not much help but stated my funds would be released on XX/XX/XXXX. She gave me a number to call to try to get this expedited. I called the number and was told they could not verify my identity but would not tell me why. I called the bank manager at Bank of America to try to fix this situation because I needed my money for living expenses. She stated I could file a hardship and they would possibly release my money sooner, so I called the number she gave me and the supervisor stated that my account was being closed on XX/XX/XXXX and they would send me a cashier 's check with my money at that time. When I asked why they are not able to verify my identity, no explanation was given. I filed the hardship and contacted the bank manager again to try to help me with this situation. My money was finally given to me on XX/XX/XXXX, but this was very scary and I'm afraid to open another account with anybody at this time. I still want to know why they were not able to verify my identity and why they held my money for over a week and a half. This situation has put me very behind on my bills as I live paycheck to paycheck.

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 2023-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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