vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: OK

Complaint narrative:
Frontline Asset Strategies informed me via email on XX/XX/, that I owed money to XXXX XXXX XXXX from XXXX XXXX. XXXX XXXX has not provided me with any services in several years. To ensure the email was legitimate, I performed a XXXX search and visited the company 's website via the search page. I dialed the number listed on the website seven times : ( XXXX ) XXXX. The phone number displayed in the email differs from that displayed on the website. The communication contains the phone number ( XXXX ) XXXX. Each contact was met with an automated message informing me that a representative was unavailable, and then it disconnected the call. I replied to the email I received but have not yet received a reply. I require validation of the debt, as well as copies of any executed contracts and other evidence demonstrating that I have utilized this company 's services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc.
State: OK

Complaint narrative:
I contacted payliance dispute department about fraudulent checks that were written in my name to XXXX XXXX XXXX XXXX. I opened a case with XXXX police department regarding identity theft. I contacted the bank regarding the checks that were supposedly written. The bank stated, " that their was no existing account and the checks were fraud. '' The checks were not my correct name, not my signature and the ID used was reported stolen with XXXX police department way before checks were written. I've set several emails to payliance with the fraudulent case reported to the police department. I have called and left messages. The company does not return calls, gives the run around and does not respond to emails. I have requested that the debt be removed from my credit on numerous occasions and it still has not been resolved. 

-- -- -- -- Original message -- -- -- -- Date : XX/XX/23 XXXX XXXX  ( XXXX ) To : XXXX Subject : Attention dusputes department Here is the following here is the following " XXXX Police Department Case Summary '' report requested. 

After contacting XXXX XXXX for a second time after speaking to you. I was told by XXXX XXXX that due to the fallowing fact regarding the fake checks all charges should be immediately dropped and my credit should be restored. 1, The checks are fake and there is not actually account associated with them. 2, The name is not my actually name. 3 The signature does not even remotely resemble my signature. 4 The ID number is written on the check was reported stolen way before the check was ever written. 

You can also contact XXXX police to get that report. XXXX, XXXX XXXX has given me his contact information to pass on to you if you have any further questions regarding this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-23 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: MS

Complaint narrative:
I am the author of this complaint and I recently checked my credit report and saw some fraudulent, inaccurate, and incomplete accounts that are being reported. Please conduct a reasonable investigation, state method of verification and DELETE all the accounts mentioned below. My driver 's license, social security card, and an identity theft report has been attached to this complaint 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 non-monetary relief
Consumer complaint received 2023-06-23 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: MS

Complaint narrative:
I am the author of this complaint and I recently checked my credit report and saw some fraudulent, inaccurate, and incomplete accounts that are being reported. Please conduct a reasonable investigation, state method of verification and DELETE all the accounts mentioned below. My driver 's license, social security card, and an identity theft report has been attached to this complaint 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: GA

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 XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or 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 non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NV

Complaint narrative:
Acct XXXX Claim XXXX Correct amount {$3200.00} Date XX/XX/XXXX XXXX XXXX XXXX  XXXX insurance been taking money out of my account.i don't know how many times I have to complaint about this situation and nothing been done about chime close my account find .but what about the money that's been taking out my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The XXXX XXXX XXXX XXXX is reporting as a mortgage and is not a mortgage. I d not get to own any of the property after I pay off the mortgage, and will still be required to use my points to reserve my use of the property.

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 2023-06-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The XXXX XXXX XXXX XXXX is reporting as a mortgage and is not a mortgage. I d not get to own any of the property after I pay off the mortgage, and will still be required to use my points to reserve my use of the property.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: PA

Complaint narrative:
The XXXX XXXX XXXX XXXX is reporting as a mortgage and is not a mortgage. I d not get to own any of the property after I pay off the mortgage, and will still be required to use my points to reserve my use of the property.

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 2023-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC.
State: GA

Complaint narrative:
Optum Bank took over the XXXX XXXX Reimbursement Accounts from XXXX XXXX at the end of XXXX. The money was supposed to be transferred from XXXX XXXX on XX/XX/ to Optum Bank. 

Attached is a copy of the transaction history from XXXX XXXX. It shows {$29000.00} being processed on XX/XX/. That money never showed up at Optum Bank. 

I have been working with Optum Bank for over 2 months but no resolution. I never get a call back, when I call they open another ticket and say wait 3-5 business days. Nothing appears to be happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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 XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


I contacted the bureaus and supplied and FTC theft affidavit, a police report and proof of identity. 
The XXXX XXXX credit card wasnt opened by me. 

The bureaus have failed to follow the FCRA 605b in regards to identity theft and are in DIRECT violation of the law

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 2023-06-23 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 — Investigation took more than 30 days
Company: MoneyLion Inc.
State: GA

Complaint narrative:
The companies are stating they got verified information this account is valid. I ask for proof of information over the phone and the letters and no proof that this account is mine or nothing was never sent to my address on 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 explanation
Consumer complaint received 2023-06-23 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/XXXX I deposited a check from the sale of my home that was written from the Title Company in the amount of XXXX. On my deposit receipt it stated funds would be available XX/XX/XXXX at XXXXXXXX XXXX Despite the lengthy hold, I have managed to pause my finicaical responsibilities until XX/XX/XXXX at XXXX XXXX 

However, today my funds are not available. I have called customer service and all I am told is the check has not been verified so the funds wont be available until next Tuesday. 

I am not asking for a hand out or a gift. I am asking Bank of America to do what they said they would do on XX/XX/XXXX, which was release my funds on XX/XX/XXXX at XXXXXXXX XXXX in the amount of XXXX. 

Additionally, I followed up with the title company, that followed up with their bank, and they verified that the check cleared with Bank of America XX/XX/XXXX. 

My and my sons livelihood is depending on these funds in real-time.

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 2023-06-23 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: TN

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 XXXX XXXX XXXX. XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX  : # XXX, # 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 an 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. 

Further more XXXX XXXX issued a public statement about child support, liens and fines will no longer be reported on credit report yet it is still be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: TN

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. TN CHILD XXXX  : # XXXX, TENNESSEE XXXX. OF H : # XXXX, XXXX XXXX XXXX : # XXX, # 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 an 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. 

Further more XXXX XXXX issued a public statement about child support, liens and fines will no longer be reported on credit report yet it is still be reported.

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 2023-06-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/23 I deposited {$5000.00} USD into my Apple XXXX savings and all appeared to be fine. Today, XX/XX/23, I wake up to a notification advising that my account has been restricted and to contact support for further assistance. 

At approx XXXX, I spoke to an Apple Agent ( via text ) regarding my account and was advised that the account was restricted due to missing information ( that I was never asked for prior ) I provide said details to the agent and was told a REQUEST to unrestricted my account would be made and it could take up to 4 business hours to resolve. 

This is beyond infuriating and quite common as of late. There are hundreds of Apple XXXX clients who are in the same position as myself, but with much larger amounts stuck in limbowhich is why I was reluctant to place all of my money within this institution. 

Something needs to be done about this! Restricting ones funds with little to no explanation is plain wrong. I am now at the mercy of Apple HOPING to have access to MY money within a reasonable timeframe. 

XXXX XXXX should be ashamed of themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2023 Experian updated my credit score. The score went down XXXX points without reason. All my credit cards are at {$0.00}. Everything paid. Experian does not have an explanation. I called. The system will not give me an explanation. Furthermore the system does not allow me to speak with a live agent

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 2023-06-23 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation