vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 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: AL

Complaint narrative:
I got a copy of my credit report and noticed some inquiries for credit cards I did not authorized. The inquiries were for XXXX XXXX  on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX and I filed an identity theft report with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$560.00} DESIGNED XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$150.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX : {$520.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$300.00} XXXXXXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2022-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: MO

Complaint narrative:
On or around, from XXXX - XXXX I saw a lot of preapprovals on credit XXXX, at first i didn't pay it no attention, but credit XXXX kept sending me all kinds of preapprovals telling me that I was pre-approved for credit cards, personal loans, and that I can refinance my car. every day I would see these offers every time I logged in to check my credit scores. so, after a few months of being told that I was preapproved I thought I was known in the perfect place. I got so many offers, though credit XXXX, I started telling my whole family about investments and vacations we were going to use these preapprovals for. So, I applied on or around sometime in XXXX and I got denied for two credit cards and a personal loan. I was distraught and I was very angry, and I felt deceived. I was marketing to for months, so Credit XXXX told me I was preapproved, this was a lie. 
I was severely stressed out, a was XXXX for weeks, I had migraines so bad I became I became antisocial. My anxiety went from XXXX, now every time I see preapprovals, I immediately close my phone and shut my computer off. This has made me so uneasy and anxiously I have checked my credit as frequently as I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: PA

Complaint narrative:
As submitted previously, I submitted a document asking for the method of verification and you claimed it was " too vague '', so i will provide all the report numbers for your reference to provide the method of verification according to the FCRA. 

Accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX In accordance to 15 USC 1692 ( g ), I am asking again for the method of verification with sepecific previously disputed account dispute numbers from your website. I will also attach a file for your reference, as to each dispute. 

In addition, there are a few location data points and inaccurate reporting of my name : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX, Pa. XXXX XXXX address do not belong to be and because your duty is to provide accurate reporting, I am also asking for the method of verification of these items to allow them to be reported on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX These in addition are not my name. I ask verbally over the phone for them to be removed and i was told they couldn't be. So I also and seeking the method of verification for these. 

Pursuant to 15 USC 1681 ( b ) ( a ) ( 1 ) Where is the court order or written consent from the consumer to furnish this information. 

Also, I provided my ID which is sufficent and reasonable to identify. I don't feel comfortable providing more personal information for review without you providing my written consent to have my personal information to verify from.

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 2022-09-21 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$560.00XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$150.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX : {$520.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$300.00} XXXXXXXX XXXX Inquired on XX/XX/20XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2022-09-21 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$150.00XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX : {$520.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CO

Complaint narrative:
IC System Correspondence XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Re : Account on XXXX & XXXX credit reports in dispute Creditor Contact Details : IC Systems Balance Reported : {$1500.00} Most recent file identification number from XXXX XXXX XXXX Account Number from XXXX XXXX Since XX/XX/19 I have written proof of IC Systems refusing to remove this inaccurate information or stop trying to collect on the alleged debt as they stated they had proof I owed anything to IC Systems. I also requested IC Systems contract as I know this company purchased that debt that's already been written off and was attempted collect it from me illegitimately. I have not now, nor have I ever done business with IC Systems thus no contract has ever been provided. For them to mark this inaccuracy and lie about investigating it and refusing to remove it is willful noncompliance with the FCRA laws. I have already reached an agreement with the XXXX XXXX XXXX XXXX and their roles in allowing you to furnish this information without my written consent against my continued efforts to remove them from my account. I demand that IC Systems not only remove this from my report but I also demand that IC Systems pay me what is owed to me according to the law. I have actual damages, there are {$1000.00} violations attached to each time it was reported. Each month is a separate violation, and I am giving this company one opportunity to cure this situation, or we shall allow a federal judge to look at all these deceptive forms & calls that have been presented to me over the past years in support of your wrongdoing. It all stems from the false misrepresentation of IC Systems on my consumer report. I am due justice and you owe me Civil Liability for every month it reported on my consumer report. I am willing to settle for {$20000.00} and you will not have to pay attorney fees or we can add my consumer lawyer to this situation and under the FCRA you will pay him as a result. Your choice. I have dealt with this harassment for long enough. For far too long my character has been defamed by comments left by IC Systems on my report against my efforts to resolve the situation outside of FEDERAL court. I expect a settlement offer within 10 days of this notice or further legal action will be initiated. I have enclosed two pieces of evidence that prove just how long I have been fighting and the type of response and willful non-compliance I was getting from IC Systems in response to my disputes with each XXXX XXXX XXXX, credit reporting agencies. 
Regards, 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 2022-09-21 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: NC

Complaint narrative:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, NC XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00}, XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$530.00}, XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$160.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2022-09-21 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: NC

Complaint narrative:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX  ( Original Creditor : MXXXX XXXX  XXXX Balance : {$530.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$160.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXXXXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Deposited {$15000.00} tax free check [ from a Workers Compensation claim settlement with XXXX XXXX ] into the Bank of America on XXXX. ACCT Number XXXX XXXX. The slip and receipt says Hold code C. Total deposit that day was {$15000.00}. Hold code C, XXXX, XXXX available XXXX at XXXX XXXX. Since then my account began at {$14000.00} not the deposited {$15000.00}. 
I also withdrew {$8000.00} at a later date, and have all the money in its original slip and it is only {$7500.00} not {$8000.00} as listed on the receipt. They used a machine to count out the money. Probably programmed it to dispense XXXX instead of a XXXX. This is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, 2021, a man named XXXX XXXX was able to withdraw a fraudulent {$3300.00} check from my Chase checking account, without my consent or knowledge- and the check didn't even have a signature on it! I know I should've caught and reported the fraudulent transaction much sooner - but this shouldn't have happened in the first place, especially without my signature or endorsement on the check. I'm also afraid it will happen again. Chase isn't investigating, refunding me or doing anything about it - so I guess I'm supposed to just accept that I'm out {$3300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: FL

Complaint narrative:
I have reached out to the company, I sent a FTC fraud report, police report and all supporting documents to have these incorrect accounts removed but it is still reflecting on my account. This company is ignoring my attempts and documents that have been sent. 

This has caused me a great amount of stress and depress. 

Incorrect / fraudulent accounts : XXXX wireless 2 . XXXX XXXX 3. XXXX XXXXe

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 2022-09-21 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: TX

Complaint narrative:
equifax has stated that my accounts in question have been properly investigated and how is that possible if the theirs multiple errors attached below.

This is grounds for removal and monetary relief immediately.

My rights where violated under : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] A ) I must be respected and have the right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] A ) Section 2 : It also states that a consumer reporting agency can not furnish an account with out my written instructions.

The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. 

XXXX XXXX XXXX  XXXX Incorrect Account Number XXXX Date Opened is Incorrect XXXX No High Balance XXXX Incorrect reporting monthly XXXX XXXX {$8000.00} Above Account total : {$11000.00} XXXX XXXX XXXX Incorrect Account Number Date Opened is Incorrect High Balance Incorrect Equifax is reporting 2 months of late payments during covid 2XXXX ( XXXX ) Above Account total : {$5000.00} XXXX XXXX XXXX  XXXX INCORRECT NAME Incorrect Account Number No high balance XXXX is reporting 6 months of late payments during XXXX XXXX ( XXXX ) Above Account : {$9000.00} XXXX XXXX XXXX Incorrect NAME Account Number INCORRECT Date Opened is Incorrect High Balance Incorrect A Charged off account can not have a balance REPORTING 16 MONTHS AS COLECTION Above Account : {$21000.00} XXXX XXXX XXXX XXXXXXXX WRONG NAME Incorrect Account XXXX XXXX Opened is Incorrect High Balance Incorrect A Charged off account can not have a balance Above Account : {$23000.00} OVER {$69000.00} IN VIOLATIONS ATTACHED BELOW AND DISPUTE RESULTS AS WELL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
As shown in the attachments, Capital One materials tell customers the following about cash advances : -- - Q : How do I get a cash advance on my credit card? 

A : At ATM : - Ensure PLUS logo is displayed- Have PIN ready & follow instructions displayed At a Bank : A - Ensure Visa/Mastercard logo is displayed - Provide card & proper identification to teller AND " With each cash advance, we charge a front-end fee, or service charge, that posts to your account the day of the transaction. Be sure to review your account terms for details. '' -- - I paid my credit union {$2500.00} total online -- not with a teller, not at a XXXX XXXX XXXX, and not using a PIN. The {$2500.00} was two separate transactions, one for {$2400.00} and another for {$5.00}. 

Still, I wasn't sure if Capital One would charge me the cash advance fee for these transactions, so I logged in online and saw the transactions categorized as " other services. '' There was no coding indicating they were cash advances. Although Capital One says they charge a front-end fee that " posts to your account the day of the transaction, '' that didn't happen in my case either. Instead those fees posted after the transaction date, further obscuring the fact that Capital One treated the charges as cash advances. On the phone, a Capital One agent told me that it takes awhile for coding to come through from the merchant, information that is at odds with posting front-end fees the " day of the transaction. '' When I got my monthly statement I got a rude surprise that Capital One did treat the transactions as cash advances and had started charging interest immediately. Based on the information above ( included as attachments ), Capital One didn't follow its own policies about cash advances -- for example, I didn't conduct the transactions in a branch, provide my card or identification to a teller, or use a PIN. No front-end fees were posted to my account on the " day of the transaction. '' Note as well that many of my previous transactions with Capital One are categorized as " Other Services '' but none of those incurred cash advance fees and interest. 

I also had horrendous customer service experiences.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
To whom it may concern, I'm trying to find {>= $1,000,000}, that I sent to my Mortgage company Ditech. That the NO Stress Claims got me from my Insurance company, I sign the the check and send it back to them But I don't get it back. Sitting here looking at it NO Stress Claims got the wrong Mortgage company on it. I'm sending you a copy of the paper I sent to Ditech for them to send it to me in my name not my Deceased husband name, I am praying that you can please help me and my family so we can get some help with our house because I don't get it back from Ditech are Green tree are NO Stress Claims, I have been more States Since we Got involved with this company Please help us find the money

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation