vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account XXXX with XXXXXXXX XXXX was fraudulently opened, and is causing me and my reputation personal harm and discrimination ( Per 15 U.S. Code 1681c-2 ). This account needs to be removed from my report within 4 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well. 

This is my second and final request to you based on your last response before I take it to court. I will not provide you with my personal information which you should already have a record of. 

I have never done business with your company at all. 

I have attached a copy of the 3rd time of my identity theft affidavit. I refuse to give you a copy of my driver 's license because the person who committed identity theft also had that information as well apparently. I'm not going to send a company that I never did business with my personal information. Remove this account immediately from my credit profile or there will be consequences.

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

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Worth Finance Corporation
State: TX

Complaint narrative:
On My Credit report it shows that XXXX XXXX Debt. was Over 5 years old and beyond the Texas Statute of Limitations and as a Violations of the Fair Credit Act they removed the Debt and restarted the Debt in XX/XX/XXXX when in fact the date on the debt shows a date in XXXX which is 5 years ago. The uploaded Documents would show proof that the company purposely trying to Violate the Fair Credit act by removing and restarting an Debt that legally is not collectable and not valid due to the Texas Debt statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Account XXXX with XXXX XXXX  was fraudulently opened, and is causing me and my reputation personal harm and discrimination ( Per 15 U.S. Code 1681c-2 ). This account needs to be removed from my report within 4 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Account XXXX with XXXX XXXX  was fraudulently opened, and is causing me and my reputation personal harm and discrimination ( Per 15 U.S. Code 1681c-2 ). This account needs to be removed from my report within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX, XXXX  I tried to set up an online account to log into EQUIFAX. But, EQUIFAX REJECTED ME ; BECAUSE I DON'T HAVE A MOBILE DEVICE and can not enter a mobile phone # into online setup page of EQUIFAX. I called EQUIFAX foreign based customer service XXXX. Man tried to setup online A/C. But, EQUIFAX online system REFUSED to setup an online EQUIFAX A/C so I could log into my EQUIFAX credit info. Again, EQUIFAX IS DEMANDING A MOBILE DEVICE PHONE #!! 

NO ONE SHOULD BE FORCED TO USE A TINY MOBILE DEVICE TO DO ANYTHING!!! TINY mobile device is difficult to see, hold, use, popups all the time, ads galore, have to scroll all around screen to resize & see something, difficult to connect to a printer, difficult to scan & save info. ; and WHY SHOULD WE HAVE TO PAY FOR NEW PHONE EVERY FEW YEARS AND PAY EXPENSIVE DATA RATES TO MAKE EQUIFAX HAPPY?! 

EQUIFAX IS THE ONLY ONLINE BUSINESS I KNOW OF THAT FORCES PEOPLE TO USE TINY, CUMBERSON, MOBILE DEVICE TO LOG INTO AN A/C! AND, IS NOT A GOOD ALTERNATIVE BECAUSE CALLING TO CUSTOMER SERVICE IS A BIG HASSLE AND I CAN NOT READ THE DETAILS OF WHAT IS IN MY CREDIT REPORT. 

Equifax really wants mobile device phone number to track people, sell to business & provide to governments, share with XXXX et al. EQUIFAX wants to MAKE MONEY OFF a MOBIE DEVICE that I WOULD HAVE TO PAY FOR, ALSO!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I was in XXXX in XX/XX/XXXX and I bought the below boat rides, taxis and tours from XXXX XXXX XXXX XXXX  for {$230.00} on XX/XX/XXXX. 

1. Boat ride from pier to XXXX XXXX - 20 minute boat ride ( completed but took us to the wrong pier / opposite side of the island ) 2. One-Day 3 island tour - service not provided/ they never showed up 3. XXXX XXXX to XXXX XXXX XXXX Speedboat- service not provided/ they never showed up XXXX. XXXX XXXX XXXX to XXXX ( Ferry  ) - service not provided/ they never showed up XXXX. XXXX XXXX to Airport- service not provided/ they never showed up The company started by taking us to the wrong island, so we had to find another boat to get to where we needed to go to and didn't get there until nearly XXXX. Then, the tour company messaged us saying we needed to come back at XXXX to find new times because his drivers/boat people aren't available. We said no and that it was already XXXX and we're not getting up early to go and revise all this and he needs to honor the times we agreed to. We told him if he doesn't do this, we need our money back and he said no. 

The next morning, the tour company never showed up and neither did anyone else for the other tours/ ferries ( items 2 - 5 ). 

I first disputed the transaction on XX/XX/XXXX with Apple Card support received a rejection / denial on XX/XX/XXXX saying " The merchant charged you the same amount that you intended to and did pay for your purchase '' I refiled the same day, and on XXXX I was told " We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim '' I refiled again and on XX/XX/XXXX was told " We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim '' I have repeatedly provided Apple the entire XXXX XXXX where the tour company is telling us they can't deliver on the tours we purchased, a map of showing where they dropped us off and where we should of been, plus a long 13 point email of detailing everything that happened. They did not show up for any of this, and all Apple Card has done is provide copies of the receipts that the tour company provided them- which I already have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX has not updated my credit report in months and I recently filed a dispute to correct some of the information they are reporting. I uploaded documents from XXXX, my student loan servicer and from the Washington State Division of Child Support. 

However, XXXX has rejected my documents per an email received a couple of days ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX has not updated my credit report in months and I recently filed a dispute to correct some of the information they are reporting. I uploaded documents from XXXX, my student loan servicer and from the Washington State Division of Child Support. 

However, XXXX has rejected my documents per an email received a couple of days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Consumer processed a mobile ( phone ) ticket transaction on XX/XX/, for an event believed to be with XXXX, but was instead through a boxoffice outlet/reseller who overcharged for the event. This reseller was XXXX  with a charge showing merchant as XXXX XXXX. Consumer saw the extraneous service charges added, so contacted XXXX customer support to try to cancel the transaction. This merchant would not allow cancellation and referred consumer back to the terms of the purchase. Representative was unhelpful with a XXXX  sounding accent. Tickets were transmitted through XXXX, but consumer did not accept tickets as he already tried to cancel and then submitted a dispute with American Express for the transaction. American Express investigated and concluded they would credit the amount. However, Amex later reversed this credit, letting the original charge stand. Consumer called Amex again on XX/XX/XXXX  to request re-opening this investigation and they advised that they should have an answer on this dispute back by XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Regarding Experian 's Inaccurate Dispute Results To Whom It May Concern, I am writing to file a formal complaint regarding the inaccurate dispute results provided by Experian on XX/XX/XXXX in response to my efforts to rectify fraudulent information on my credit report. The disputed collection account, as outlined below, is erroneous and has not been appropriately addressed by Experian despite my efforts. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Type : Collection Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account. {$320.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$320.00} Balance Updated : XX/XX/XXXX Recent Payment : - Monthly Payment : - Original Balance : {$320.00} Highest Balance : - Terms : 1 Month On Record Until : XX/XX/XXXX I dispute the validity of this collection account and would like to bring to your attention the following points of concern : 1. **Certification of Accuracy : ** Experian 's response stated that the reporting company had certified the accuracy of the information. However, I have reason to believe that this certification lacks credibility, as the collection account in question is fraudulent. 

2. **Lack of Verification : ** Despite my dispute, Experian has not provided any proof or verification of the alleged debt. This directly contradicts the doctrine of estoppel by silence, as established in Engelhardt v Gravens ( MO ) 281 SW 715,719. I maintain that no proof of the debt has been provided, thus raising questions about the existence of such a debt. 

3. **Fraudulent Collection : ** Given the circumstances and my thorough investigation, I am confident that this collection account is a result of fraudulent activity. The account was opened without my knowledge or consent, and I have taken all necessary steps to safeguard my personal information. 

In light of the aforementioned issues, I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter. I urge Experian to reevaluate their response and take the necessary steps to remove this fraudulent collection account from my credit report. Additionally, I seek your intervention in ensuring that Experian adheres to its obligation of providing accurate and verifiable credit information to consumers. 

I appreciate your prompt attention to this matter and your assistance in resolving this dispute. 

Thank you for your time and 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 explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
Re : ARS ACCOUNT RESOLUTION I am not liable for two alleged medical debts with ARS ACCOUNT RESOLUTION ( {$1500.00} and {$1500.00} ). I do not have a contract or signed agreements with ARS ACCOUNT RESOLUTION. ARS ACCOUNT RESOLUTION has not sent me any correspondence to my address ( XXXX NJ ), but they are reporting derogatory notations on my credit report. I also did not sign authorization for my medical information to be released to ARS ACCOUNT RESOLUTION. On XX/XX/2023, I sent two separate debt validation letters to ARS ACCOUNT RESOLUTION for two separate accounts. The validation letters were mailed via certified mail and received by ARS ACCOUNT RESOLUTION on XX/XX/2023 and XX/XX/2023. ARS ACCOUNT RESOLUTION has failed to respond to my request to validate the two alleged debts. I am requesting that these alleged debts are removed immediately from my XXXX, XXXX, and XXXX reports -- due to nonexistent contract/agreement with ARS ACCOUNT RESOLUTION, failure to provide correspondence to my address, HIPPA violation ( s ), and failure to validate these alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NV

Complaint narrative:
Closed account while I was overseas and now has my funds being held in there account. Never received notification by mail or otherwise of closure. I wish to have time to withdraw my funds and then they can close the account. I have a wire transfer that posted as well as a instant pay for {$590.00} that I cant access.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: CNG FINANCIAL CORPORATION
State: IN

Complaint narrative:
My soon to be ex-wife took out several credit cards and loans out in my name and has racked up around {$30000.00} worth of debt in my name. I currently have debt collection agencies trying to collect money from me for credit cards and loans that I didn't take out. My credit score is als really low because of these things.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: General Motors Financial Company, Inc.
State: NE

Complaint narrative:
I have been paying for my car with GM financial for over 3 years I have just paid off my {$38000.00} student loan and have been tracking my credit on credit sesame very carefully. I took my last deferment for XXXX and XX/XX/2023 with GM financial and starting XX/XX/XXXX I was to go back to my normal {$280.00} payment with GM financial. I have screenshots of the conversation I had with the representative in XXXX saying that I only needed to pay {$110.00} something and I would be deferred for XXXX and XXXX and to start making payments again XX/XX/XXXX. This means that if I were to pay the {$110.00} in XXXX I would have no late fees for XXXX and XXXX and starting XX/XX/XXXX I will go back to the normal payment. I have photos of the conversation with GM financial I have photos of the payment that was made that I promised and I have photos of my dashboard from GM financial as that is how I make my payments. I have been watching my credit very carefully because I just paid off my student loans with credit sesame and according to them I am 2 months behind on my car payment and I am in Jeopardy of losing my car by repossession. I continue to get on GM financial and all of my statements say that I have over {$100.00} in late fees and I owe over {$400.00} right now which is totally incorrect. I was supposed to make my regular {$280.00} payment XX/XX/XXXX and I have proof on the GM financial statement and for my bank account that shows I made a payment on XX/XX/XXXX of XXXX. My GM financial dashboard as of today says that I am behind 2 months still and I owe over {$400.00}. I have tried numerous times even calling as I don't like to do because that leaves me no proof of anything to try to get this situation dealt with I need to make my XXXX payment but it still says I'm 2 months past due and nobody from GM financial will help me I have constant creditors calling my cell phone so I rarely answer my phone if it's a number that I don't know I also had someone call yesterday and threaten repossession. If you could contact me by email first and then I will call you back that would be appreciated as I don't answer my phone call because so many creditors are calling me right now I'm very nervous my car is going to get taken from me and I just want what is owed to me and that is my dashboard saying what I really owe no late fees and it taken off my credit report I just want to make my payment. Okay hold

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: SC

Complaint narrative:
Hey i been Banking with US bank for some months and this been around XX/XX/2023 and i been getting money i worked for threw that account so they seen the money i worked for coming in on the regular now they want to close it because im a hard-working person and i get money come in legitimate way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
They closed my account after i enrolled in credit protection. was unable to make payment due to hardship and they assured me that my account would not be closed.

Company response to consumer: Closed with explanation