vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have received a credit report from Experian Credit bureau with a fraudulent account issued by XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX. Which is an action of fraud. I had a previous account with self dated back on XX/XX/XXXX with the account number of # XXXX which was marked Paid, Closed/Never late on my report. The Scheduled Payment Amount is consistent through in and through out, from XX/XX/XXXX til XX/XX/XXXX. The fraudulent account was created in XX/XX/XXXX which means that it was fraudulently made during the duration of my successful Paid/never late account with XXXX  The Fraudulent account also reports inconsistent Scheduled Payment Amounts of various Amounts, those of which arent even the policy of XXXX services. I disputed this issue with Experian as well and did not receive the results I deserved in this case. I would like to see this fraudulent account removed from my credit report so that I can continue on with my credit journey. Please and thanks 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 explanation
Consumer complaint received 2023-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are credit inquiries that i want removed Immediatrely.These accounts were never given my permissible purpose to furnish these accounts, furthermore they infringed upon my rights to privacy in pursuant to 15usc 1681 ( 4 ) these corporations have caused damage to me mentally and XXXX is said in pursuant to 15usc 1681 ( XXXX ) any transaction or experience should be excluded from my consumer report.THESE BANKS and lenders has also violated the billing error practice act in pursuant to 15usc 1666 they never gave me the right to opt out and are not reporting accurately i want these inquiries removed immediately as they are identity theft.I do not want my account closed i just want the inquiry deleted off 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 2023-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX. I identified discrepancy with account listed under ABSOLUTE RESOLUTIONS INVESTMENTS and validation was requested as this was an account that I did not recognize. I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent on this day. After reviewing credit report again on XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

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 2023-04-03 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: MA

Complaint narrative:
Some stole XXXX $ from card some how I dont how and wisely denied me twice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: NY

Complaint narrative:
A XXXX XXXX XXXX credit card is listed on my credit report and I am named as an authorized user, however, I do not have a XXXX XXXX XXXX credit card. I called XXXX XXXX XXXXXXXX and let them know and they said they would take action to get this removed from my credit report. I also called XXXX and they said they would do the same.

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 2023-04-03 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: NY

Complaint narrative:
A XXXX XXXX XXXXXXXX credit card is listed on my credit report and I am named as an authorized user, however, I do not have a XXXX XXXX XXXX credit card. I called XXXX XXXX  XXXX and let them know and they said they would take action to get this removed from my credit report. I also called XXXX and they said they would do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: VA

Complaint narrative:
I am writing to request that you remove the following inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently checked my credit report and noticed that these inquiries were made without my knowledge or consent. I have no relationship with the companies who made these inquiries, and I believe that they were made in error. 

These inquiries are negatively impacting my credit score and making it difficult for me to obtain loans or credit cards with reasonable interest rates. I take my credit score seriously and have been working hard to improve it, but these inquiries are holding me back. 

I understand that credit inquiries are a normal part of the credit application process, but in this case, they were made without my permission. Therefore, I request that they be removed from my credit report. 

I hope that we can come to a resolution that will help to rectify this situation. Please let me know if you require any additional information or documentation from me. 

Thank you for your consideration. 

Sincerely, 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 2023-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch
State: CO

Complaint narrative:
The account was opened on XXXX XXXX, 2023, and now they sent it to the collection between XXXX XXXX, 2023, and XXXX XXXX, 2023 this debt doesn't belong to me and is affecting my credit debt collector agency : XXXX XXXX the original creditor was XXXX XXXX XXXXXXXX XXXX  XXXX Please help me with this, is affecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: IL

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 I have not authorized any these inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: PENTAGON FEDERAL CREDIT UNION
State: MT

Complaint narrative:
So I have been months behind on my credit cards, my personal loan and my two credit lines from PenFed credit Union. I called them about a week ago, maybe two and the man I spoke to said that I can make two {$100.00} payments to my two credit cards and then call them back and apply for temporary hardship. But after I went to the website, I noticed that my two credit cards were closed and the man I spoke with never told me that. 

I feel that they are a predatory lender, because they approved me for a {$20000.00} loan with my girlfriend as a co-signer. Then I was approved later on for two lines of credit. One for {$4000.00} and one for {$5000.00} And I was also approved also for two credit cards, that are now closed due to being late on payments.. 

My mother had a light XXXX in XXXX so I went down there with my girlfriend. I didn't have paid time off so I wasn't working much when I was in Arizona to go visit my mother and now I'm really behind on all my payments to PenFed and other other places that I owe money to.

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 2023-04-03 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: NY

Complaint narrative:
A Bank of America credit card was listed on my credit report with a {$1000.00} balance and had me listed as an authorized user ; however, I do not have a Bank of America credit card. I called Bank of America and they said they were going to work to resolve 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 2023-04-03 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: PA

Complaint narrative:
Someone stole my information and tried to open an account under my name with all the correct information from date of birth Social Security phone number address, but it is not me

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 2023-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BMW Financial Services NA, LLC
State: PA

Complaint narrative:
Greetings. A representative by the name of XXXX continues to call me from BMW Financial Services which is XXXX XXXXXXXX. He continually harasses me! I've asked him to stop. He called again today and I said to him " Please stop calling me! I don't owe you people anything! I've asked you to stop calling and it is illegal for you to keep calling me. I will be contacting the Consumer Finance Bureau to file a complaint ''. He stated " I'm going to keep until the dead is collected and I don't care anything about the Consumer Finance Bureau ''. I advised him that I will be filing a formal complaint and he said " I'm still going to continue to call ''. His name is XXXX and he has called me 23 times so far to date in each call is getting more and more aggressive and in a threatening tone. 
This amount they're stating I owe is from an end of lease vehicle, in which all balances were paid, and I purchased another lease on the SAME DAY I turned in this lease, as there was NO BALANCE OWED or due. I have documentation stating XXXX BALANCE. They have stated that they sent me the wrong letter which is the PDF form stating there is a XXXX BALANCE on the account. Additionally, this account was charged off XXXX of 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: National Credit Systems,Inc.
State: AL

Complaint narrative:
Method of verification Highly Requested Under15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business nameand address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the validity of the invalidated items below { XXXX XXXX XXXX  } Items Highy Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute.

5. Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt. 
6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY 1000 per VIOLATIN YOU ARE COMMITING. 
In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance proceduresI am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under15U.S. Code 1681nand15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021 I got fired from Wells Fargo for having overdraft fees. 
During XXXX I opted out of overdraft fees but they still overdraft me 4 times. 
They ruined my chances of working in finances and it's been over a year of trying to find job security. This has caused me much pain and suffering. As I am a young father of XXXX children and can't provide for my family. I have gotten mail about Wells Fargo settlement cases but have not received my settlement

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 2023-04-03 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: LA

Complaint narrative:
Please see attachments detailing right to privacy violations and inaccurate reporting 15 U.S.C 1681 section A. States I have a 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. Code 1692c 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 Several inaccuracies in reporting as per FRCA guidelines I have done my own investigation and have researched numerous legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each and every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: LA

Complaint narrative:
This company has illegally obtained my personal information from a company without consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ATG Credit, LLC
State: TX

Complaint narrative:
I used my XXXX tuition assistance to cover my classes. After 2 years, the college, XXXX XXXX XXXX, never requested the funds be paid from the XXXX. I have zero ability to pay those classes through the XXXX system, as they are required to request the money for classes I've taken. Since they never did that, I am left with a hanging debt I was never responsible for. They then sent my owed amount to collections after I told them repeatedly they needed to request the money from the XXXX. This credit hit is extremely impactful to my security clearances and my general credit power as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
Honda Financial repossessed my vehicle XX/XX/. Prior to the vehicle being repossessed i was in contact with the lender. I called to make a full payment after giving them dates that I would be able to catch up on my payment. My private information was then sold to a repo company in which I did not sign a contract with. Repo agent went to my aunt property and also was arguing with her outside. Repo agent had cops assist in finding my vehicle. Police officers called me 3 days prior to find out where the vehicle was and mentioned they were calling on behalf of Honda Financial. When asking to speak with a supervisor its takes them 24-48 hrs. I called weds and they had someone impersonating as a supervisor call back on XXXX and didnt hear back from someone until XXXX. I explained to them I have the money to pay in full and they will not take it and told me they will no reinstate my loan.

Company response to consumer: Closed with explanation