vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-26 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX  - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.

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 2023-09-26 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: LEXISNEXIS
State: IL

Complaint narrative:
I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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:
15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions to a consumer reporting agency. I need the transactions reporting as late, collection/ charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '' let 's be clear that I am not asking you to validate or verify anything. So please don't respond by telling me that cause that would be a waste of my time. Some of the negative accounts have been placed in Collection/charge-offs, late payments/ other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns relating to the Cancelation of indebtedness by certain entities. If this derogatory account information is not deleted from my consumer reports within 30 days I will be forced to officially file IRS form 3949A : Information Referral and IRS form 211 : Application for award for original information overview with the IRS against ALL entities involved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: EQUIFAX, INC.
State: FL

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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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 2023-09-26 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: FL

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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 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 2023-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
My sister applied in XXXX of this year for credit with Affirm. This company works through XXXX. She purchased merchandise and has two outstanding loans with this company. She said she only put my phone number on the application and not my name, because she had no phone at the time. In XXXX I requested through XXXX my credit report. On my report I saw to delinquent loans from Affirm, but I don't have an account with them? I have tried to talk to various supervisors there and they for some reason keep trying to verify the info they have and they have both me and my sister 's info all tangled up. And they keep refusing to accept my sisters payments on this account. I feel my identity was robbed from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Upon trying to get XXXXXXXX XXXX cellular phone service I was informed by one of the representatives that I had accounts open in my name that I did not authorize or know anything about for over a XXXX dollars. The fraud prevention specialists then inform me to make out a police report and provide proof of my address and identification and send back to XXXX XXXX. Upon doing that I looked on my credit report and notice all types of inquirys and accounts in my name that I didnt authorize or know anything about. Someone run my credit for a car loan and put more then ten inquirys on my credit. Also I have inquirys for XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX Also a account for XXXX, LVNV FUNDING LLC XXXX and XXXX XXXX that i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

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

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 U.S. CODE 1692G - XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: MI

Complaint narrative:
I, XXXX XXXX, informed the Experian my personal information ( addresses ) were wrong on my credit report. 

I filed a dispute on XXXX To remove the personal information that I dont want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. According to 15 USC 6802. No financial institution is not supposed to share my information to third party people.

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 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Coinbase, Inc.
State: PA

Complaint narrative:
So on XX/XX/XXXX and the XX/XX/XXXX I noticed some transactions I was disputing due to some ongoing issues at home with someone Im helping out. I filed the dispute promptly and not long after my account was restricted and I wasnt able to do anything. And then I come to find out that they wont release my account because somebody opened an account in my name. And they say I owe the money. Im not even sure this account was open but I just filed identity theft affidavit, a year and a half ago due to ongoing issues. I explained that to them before and they wont unrestrict my account until that account deleted. But I have no way of doing so. I disputed funds and I want this other account taken care of please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2023 someone purchased concert tickets in Pennsylvania using our credit card. We were in California at this time. We were first alerted to this when XXXX received a text from Chase asking if the purchase was legitimate. We said no. The text response said we had already approved the purchase. We then logged into XXXX 's email account and saw that someone was actively in his account accessing and deleting emails. We attempted to log them out but were unable to with XXXX. 
We contacted the Chase fraud department to alert them of the purchase, gave the information on how the email seems to have been hacked. We also contacted XXXX the site the tickets were purchased from to alert them of the fraudulent transaction. We were able to save one email before it was deleted and I sent that email to XXXX alerting them that it was a fraudulent transaction and to cancel the tickets. 
Chase then put the charges back on our credit card stating that XXXX said they were a legitimate purchase. I then sent Chase Fraud Recovery the email I sent to Gametime telling them it was not legitimate and then sent a following email with my call log showing I had called Gametime to alert them of this fraudulent purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America 's website as is does not allow me to pay my XXXX XXXX Bank of America Credit card from my external bank

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 2023-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
- XX/XX/XXXX received notice from a lender because of form IRS XXXX pursuit lending notified had outstanding balance of XXXX with IRS XXXX XX/XX/XXXX researched that evening and knew I had paid and found out on XX/XX/XXXX chase improperly withdrew funds and paid TD bank and endorsed to an individual called XXXX XX/XX/XXXX called that evening and spoke to XXXX told me need to fill out unauthorized endorsement and claim would not start until filled out and faxed from branch - XX/XX/XXXX filled out police report - XX/XX/XXXX Same day went to XXXX XXXX XXXX and emailed and faxed- confirm by team member - XX/XX/XXXX called claims did not receive- NO ANSWER same message XXXX days and XXXX days to conclude and see what the claim will be - XX/XX/XXXX claims by phone still did not receive and suggested email from branch to supervisor and upload the file via email - XXXX on phone lso told to fax document from IRS from penalty and fees, called IRS can not do anything it is not their fault and can only fill out a document after to waive the penalty - XX/XX/XXXX phone claims received document but said missing marked check told to check the appropriate box - XXXX Checked the right box and faxed with branch manager in in XXXX and told to fax again and I did check mark XXXX XXXX called again claims by phone said they saw paperwork but did not see check mark - XXXX went to branch and had XXXX verify received and check marked - XXXX spoke with XXXX XXXX XXXX and XXXX handling case - XXXX XXXX confirmed that claims did not receive proper documentation XXXX XXXX took another week until XXXX for XXXX to speak to branch manager XXXX - XX/XX/XXXX spoke to XXXX she confirmed on XX/XX/XXXX info was sent to TD bank but can not insure for the interest owed to the IRS said she would speak to managers and get back to me and that the case now may take 120 days to event resolve and not even guarantee funds will be retuned - XXXX filled with XXXX for XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX Filed a complaint with attorney general # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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:
In accordance with the Fair Credit Reporting act the following two accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 2023-09-26 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following two accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 2023-09-26 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:
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. 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 inructions 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