vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-26 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: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
I see many hard inquiries on my credit report that I did not authorize. I have not applied for or requested any credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
In reviewing my credit reports, I noticed a collections account from Jefferson Capital for a XXXX XXXX account that is not mine. The original creditor listed is XXXX XXXX. The amount shows as {$2100.00} I have no knowledge of this account. I have never had an account with XXXX XXXX. Upon contacting XXXX, they confirmed that they have no account associated with my name, phone number, or address. This is clearly an unauthorized and fraudulent account. 

I contacted Jefferson Capital and disputed this collection account. They have failed to provide validation of the debt and have not removed it from my credit report. 

This inaccurate information is damaging my credit score and ability to obtain credit. I am requesting that the CFPB immediately open an investigation into this fraudulent account and require Jefferson Capital to validate the debt or remove it from my credit report. Please also require the credit bureaus to delete any reference to this unauthorized collection. 

I have attached copies of my my correspondence with XXXX XXXX, and my dispute letters to Jefferson Capital as evidence. 

Thank you for your assistance in resolving this matter. Please let me know if you need any additional information from me. I look forward to your help correcting this unlawful entry on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: Kikoff Inc.
State: CO

Complaint narrative:
To Consumer Financial Protection Bureau ( CFPB ), Subject : Unauthorized Transactions with Kikoff Inc. through XXXX From : XXXX XXXX I am writing to bring to your attention an ongoing issue I have been experiencing with Kikoff Inc . I have observed unauthorized transactions on my account via XXXX, transactions that I never initiated or authorized. 

I had previously filed a complaint with the CFPB regarding the same issue, expecting a resolution, but my efforts have been in vain. In response to my complaint, Kikoff Inc. did reach out to me, asking me to call them directly to provide further details on the unauthorized transactions. To that end, I have contacted their customer service department on four separate occasions. Each time, I have been met with a lack of clarity, inconsistent information, and confusion. Their representatives seem unable to explain the situation or even confirm whether disputes have been opened for the said transactions. 

Adding to the frustration, their response from XX/XX/XXXX is misleading. I had contacted them well before that date and provided all the information they had requested in their reply to the CFPB. Their claims are inconsistent with the actual timeline of events and the steps I have taken to address this matter. 

Moreover, the consistent inconsistency in the information provided by Kikoff 's representatives is concerning. It has been challenging to get a straight answer, and it feels as though I am being given the runaround. I place a high value on transparency and honesty in all my financial dealings, and it's troubling to feel this trust might be breached.

I understand that errors can occur, but the lack of responsibility and communication from Kikoff Inc. is unacceptable. I am seeking assistance from the CFPB once again, hoping for a decisive resolution to this matter. I need these unauthorized charges to be addressed promptly, and I would also like an explanation from Kikoff Inc. about their misrepresentation of events and their inability to assist their customer adequately. 

I appreciate the CFPB 's assistance in this matter and hope that with your intervention, this issue can finally be laid to rest. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
i have already filed a complaint XXXX over a month ago. I have reached out to the contact person multiple times. XXXX XXXX resolution specialist at Bank of America XXXX he will not return calls. This is unacceptable. I have been a long time customer carry sufficient balances and i have been pushed to the side. I have contacted XXXX XXXX office as well. I beleive there is senior financial abuse and would like all my accounts to be looked into. All i want is confirmation that i withdrew XXXX from my account in XXXX. And if they can't produce it I want my XXXX put back in my account. This has been going on since XXXX of 2022, and everyone at Bank of America seems to hand it off to some one else from the branch to escalation department and now to resolution department.

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 2023-08-26 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/XXXX Dear Transunion, I, XXXX XXXX, have written this letter to dispute two late payments that are falsely listed on my credit report with your bureau. 

Party Owed : XXXX XXXXXXXX XXXX  Amount : {$0.00} Account : XXXX XX/XX/XXXX falsley marked as late payment. 
Party Owed : XXXX XXXX XXXXAmount : {$0.00} Account : XXXX XX/XX/XXXX falsley marked as late payment. 

I AM REQUESTING THE LATE PAYMENTS BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.

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 2023-08-26 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: SC

Complaint narrative:
I am writing to formally dispute the accuracy and validity of an account that appears on my credit report. I believe that the credit reporting agency has failed to conduct a thorough investigation of my previous complaint and has neglected to rectify an error that directly impacts my financial well-being. 

Details of the Disputed Account : Account Name/Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$10000.00} In XX/XX/XXXX, I noticed a similar fraudulent account on my credit report and promptly notified the credit reporting agency . At that time, two accounts were erroneously reported under my name. The agency acted by removing one of those accounts but has neglected to remove the current account in dispute, even though both stemmed from the same error or fraudulent activity.

The continued presence of this fraudulent account on my credit report has adversely impacted my creditworthiness, causing undue stress and potential financial repercussions. I have no knowledge of or responsibility for the aforementioned account, and I reiterate that this is a case of fraud or error.

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 2023-08-26 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 did not give XXXX XXXX or Equifax consent to share my personal information with any company and place any hard inquiries on my credit report. This is a violation of my right to privacy act. I am asking that all consent forms from each company to be forwarded to me immediately or remove those hard inquiries from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: DC

Complaint narrative:
XXXX XXXX XXXX  reporting should be removed an block

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: DC

Complaint narrative:
XXXX XXXX XXXX  reporting should be removed an block

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 2023-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Back in XXXX, I entered into a lease agreement with a company that approached me claiming they had purchased my home at a foreclosure auction at the county courthouse. The confusing part is that I had been under the impression that my home was not going into foreclosure, as I was actively engaged in the loss mitigation process with the bank. 

When I realized that I might fall behind on payments, I proactively contacted the bank seeking assistance. Unfortunately, they were not able to provide the help I needed at the time. It wasn't until I received a letter from an attorney, attempting to collect a debt, that I was given a contact number to seek further assistance. Without wasting any time, I reached out to the advised company and initiated the necessary processes. 

What makes this situation even more peculiar is that the company initially approached me to buy the home, but I declined their offer. However, a few months later, they came back and informed me that they had indeed purchased my home. Feeling somewhat cornered, they offered me the ultimatum of either renting the property or facing eviction. Given the circumstances, I reluctantly accepted the rental option. Upon agreeing to rent the company offered a 2 year buy back option, after I approached in 2 years they told me they never said anything about a buy back option. I told them they did say it. They denied, however the rep said ( which is the same rep that told me this initially ) I was told these files were housed in a storage that will take a long time to go Through and permission was needed, Permission was declined. 

Now, the issue lies in the fact that both the bank and the purchaser are aware that I am still actively fighting against this situation. It has come to my attention that they have resorted to some illegal self-help eviction tactics, which is causing additional stress and confusion. 

I am reaching out to you today because I truly value your opinion and would greatly appreciate any advice or assistance you can offer. Perhaps you know someone who has dealt with a similar situation or can recommend a reliable resource that can guide me through this complex ordeal. 

Thank you so much for taking the time to read my email and for being there for me during this challenging time. Your support means the world to me, and I am grateful to have you in my life. 

Wishing you all the best and looking forward to hearing from you soon. 

Warmest regards

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 2023-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XXXX XX/XX/XXXX  when I did my last money transaction the ID XXXX for {$15.00} in my Paypal account and by XXXX XXXX got an email that my Paypal account has been permanently deactivated and that I can nolonger receive or send money using the account, this gave me no warnings and I do not understand the rules and regulations that I violated to have my account permanently deactivated. 

I have triend sending massages to paypal customer service agents but no response yet, please help me reach the company and have my account activated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: GA

Complaint narrative:
I have unauthorized inquiries listed on my credit report and I have reached out to the companies and they can't be verified. I've reached out to Equifax on numerous occasions and asked Equifax to remove the inquiries and they're refusing to do so. All of the inquiries that are unauthorized happened in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Once I saw accounts on my credit profile i immediately ask for verification, company didnt verify or tried to unlawfully verify account and Im a victim of identity theft 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Once I saw accounts on my credit profile i immediately ask for verification, company didnt verify or tried to unlawfully verify account and Im a victim of identity theft 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 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: DISCOVER BANK
State: AL

Complaint narrative:
On XXXX XXXX A company called Discover Financial Service decided they would check my credit of which I never applied for any kind of service from them. Someone applied for a credit card in my name, I don't know if the card was issued or not. The credit check was on my XXXX credit report I did not apply for any credit from anyone. 
I have a block and a freeze on all 3 credit reports but someone was able to get into my credit report and check it without my consent. What is the since of having a block and a freeze on your credit if these companies can still get into your credit reports. I did not ask this company to check my credit for any reason. On my reports it states that they are to call me first before they do any credit checking on me. I have my phone number listed for anyone to call me before they check my credit. They checked my credit without my permission. They checked it on XXXX XXXX. How they got into my credit I have no idea, I don't even know it a card was issued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: WV

Complaint narrative:
The company saying they bought this debt is called CKS Prime Investment and the amount is XXXX but was bought from XXXX XXXX XXXX, I have asked for proof of debt, contract and signature to prove this is my debt but they have failed to provide me with any documentation or information. They keep reporting it to my credit over and over and over which in turn is making my credit go down as I am working really hard to build it back up.

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 2023-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
When I purchased my home at XXXX XXXX XXXX in XXXX XXXX XXXX Florida XXXX, I always made my payments on time. I never missed a payment. I have been with XXXX and XXXX XXXX XXXX XXXX. Now with Rushmore Loan Managment it seems they are always saying I missed a payment or after a payment has been paid, they raise my mortgage. On XX/XX/XXXX, XXXXRushmore claimed that I owe them two months past due, so I paid Rushmore with a cashier 's check in the amount of {$1000.00} and I do have the copy of the check. I paid this knowing I did not owe them anything, but talking to any representative is very hard. The mortgage started in the amount of {$520.00} due to a loan modification. In the year XXXX. Through then and now the mortgage has been changed seven times. I do not understand. why is this happening.? I am tax exempt being disabled and my home insurance is not high. My taxes are exempt. Every time I try to talk to a represented at Rushmore, they become very rude and will not listen, no matter who I talk to. Almost every month the amount owed changes, After I contacted the XXXX XXXX XXXX Rushmore sends me a letter on XXXX stating that they are reviewing my inquiry to the XXXX. This is not the first time Rushmore has reviewed. Now they are threatening to take my home away. I would love to know after 16 years of paying my mortgage where is the money, I should be owing XXXX the amount of purchase. Could you please help myself and my son and daughter. Thank you XXXX XXXX

Company response to consumer: Closed with explanation