vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-25 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: FL

Complaint narrative:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
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 2023-08-25 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Dispute ID : XXXX Amount : {$390.00} On XX/XX/2023, I submitted a dispute for a pair of sunglasses that broke due to what appears to be an apparent manufacturing defect within the return period and the merchant refused the return request. 

On XX/XX/2023, I submitted additional evidence as requested by Citi. I included all the photos, email exchanges, and annotations stating what happened in a PDF file. This is as complete as possible. 

On XX/XX/2023, I emailed Citi dispute department to follow up as the case has not been updated to show they received the additional evidence. 

On XX/XX/2023, I received a letter from Citi stating that my dispute failed because " we did not receive a complete response ''. Citi did NOT say what is missing and did NOT give me a chance to add more evidence. They simply say " we are unable to assist you in this matter ''. And now I am on my own to dispute with the merchant.

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 2023-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
Coinbase was requested to return the remaining account funds to my original payment funding source since my account was compromised XX/XX/. They have not returned the funds. 

They are now in violation. This will be reported to the IRS and Department of Treasury.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My XXXX  account was linked to them before, it is a working account and in good standing, capital one keeps removing them from my account and I can not make any transfers from my XXXX  bank to my capital one money market account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 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:
On XX/XX/2022 I purchased a new vehicle. My loan for said vehicle is with XXXX XXXX XXXX as has been established in CFPB case XXXX. 
There are FOUR other hard credit checks also detailed in the above case that are showing on my credit report from the same day. This goes against the fair credit reporting act AS DETAILED IN THE ABOVE CASE. Further failure to addresss my concerns will result in legal action. Please remove the FOUR incorrect hard credit checks from my report IMMEDIATELY.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Missing middle name. In accurate credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
In XX/XX/XXXX XXXX XXXX XXXX  in XXXX, XXXX had a serious hack of their servers. In XX/XX/XXXX there was an email saying student and employee information was found on the dark web. They advised they would be reaching out to those whose information was found on the dark web. They have not reached out to me or other alumni I've seen posting about their fraud issues. I noticed fraudulent charges on my USAA credit card and was able to flag that and receive a new card. It was a temporary hold for a larger amount. The credit card attempt was only declined on my account because the identify thief could not confirmed my address since I recently moved. I continued to replace all cards I've ever used to pay tuition or fees with XXXX XXXX XXXX. When attempting to freeze my accounts with the three credit institutions I was unable to confirm my identify at first with XXXX because apparently someone tried to take a mortgage out with my information in XXXX and I said this was not related to me, thus not letting me verify my identity. I have never tried to take out a mortgage at any time in my life. I still have not received notice that my information is on the dark web but since the mortgage issue and my card has been affected I know my SSN and likely the last 10 years of my information with XXXX XXXX XXXX  is out there. 

Related : My Spouse had fraudulent charges on their card that was listed with the University and we have enrolled in credit freezes and XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: TX

Complaint narrative:
Failure to delete items that I have been furnished letters of removal for is an egregious injustice. Especially when other agencies have deleted the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are several accounts on my TransUnion credit report that are showing as currently delinquent when they are not. All accounts have a {$0.00} balance. 

I recently applied for an XXXX loan, and they provided me with a file that included all the accounts that were currently showing as delinquent on my credit report. I included the screenshot as a attachment. There were several items showing currently past due. 

These " delinquent '' accounts contributed to me being denied the loan. Also, my TransUnion credit score is approximately XXXX points lower than XXXX and XXXX. I believe this is because of how these accounts are showing as currently delinquent. All these accounts were either paid in full or paid through a settlement with the debtor. The accounts are all listed in the " Accounts with a Negative Pay Status '' section and are as follows : XXXX XXXXXXXX XXXX ( x XXXX ), XXXX XXXX, XXXXXXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX. 

I worked with a lawyer to pay negotiate the pay offs for these accounts after being tricked by a consumer debt relief program into thinking that they would help me with a solid plan to pay off my debt. After I determined that was a failure, I engaged with the lawyer and paid off every account that was delinquent. I've done all I can to repair my credit and have currently no delinquent or outstanding accounts and would like my credit score to reflect this.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FactorTrust, Inc.
State: TX

Complaint narrative:
I've attached proof of FactorTrust inaccurate reporting their reporting and business practices is a violation of the FCRA, and I'll sue FactorTrust and enforce my rights under the FCRA if this information attached isn't removed from my consumer report immediately. Data furnisher 's ARE NOT ALLOWED TO REPORT INACCUARTE INFORMATION! FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US Court of Appeals for the Third Circuit Court case 115 F. 3rd 220 XX/XX/1997, Filed ( D.CXXXX No. XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2020 thing I will see from notice in the mail from Vystar credit union that it was my final notice and that my account has been overdrawn for 30 days and that I owed {$160.00}. I did not open this account. I live in XXXX Florida on the XXXX XXXX of Florida and this account is open in XXXX Florida, so I called VyStar credit union who put me in touch with spot investigations at VyStar and they told me to file a report from here and then to send them seven information, such as my drivers license and a written statement that must be notarized hearing that I did not open the account, and they also stated that they were already investigating this case.

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 2023-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
In XX/XX/2023 I did work for a client and was paid by her via Zelle - her bank XXXX, paid my bank XXXX XXXX  In XX/XX/2023 Client was reconciling her bank account and didn't recognize the transaction from XX/XX/2023, she called XXXX and complained - XXXX  logged it as Fraud and returned the $ to client from my account XX/XX/2023 XXXX XXXX  called me and notified me of a fraud claim against me- I explained it to them and sent them invoices and the work I did for the client XX/XX/2023 I asked my bank to unlock my Zelle account since I couldn't send money or receive it They notified me to contact the claimant - XXXXXXXX XXXX customer - and have her rescind the fraud claim Both banks have opened my Zelle account, but Zelle still has me locked out with no way of removing my suspension They are acting as judge, jury and executioner - I thought we were innocent until proven guilty Zelle doesn't work like that and needs to be held accountable for ruining my reputation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio Recovery Associates continues to damage my credit with false information on my credit report. I have disputed the information multiple times and receive the same generic response. " The information is verified and meets fcra requirements. '' I paid this bottom feeder company thousands of dollars and yet they still ruin my credit. Still reporting false information to XXXX. Please investigate this ruthless company that preys on the weak and the poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is fraud on my account. I did not authorize any credit reporting on my report. 12 CFR subsection 1022.3. Anything added to my credit report without my knowledge is fraud. There are a lot of discrepancies on my credit report which needs to be fixed.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
2 collection accounts that don't belong to me. I have no agreement with these collection agencies but they continue to add these accounts to my report even after removal which is unlawful.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Police report was file on my behalf and need updated information listed but no help with all 3 beau.

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 2023-08-25 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: NC

Complaint narrative:
XXXX XXXX did not report my car is completely paid off. Please remove asap

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 2023-08-25 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: NC

Complaint narrative:
XXXX XXXX did not report my car is completely paid off. Please remove asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX  did not report my car is completely paid off. Please remove asap

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 2023-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I notified XXXX XXXX and Equifax and XXXX  About fraud accounts and I also notified the companies that these companies did not have my written consent to report to any 3rd parties and or share my information with any 3rd parties. 15 USC 1681 ( a ) accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer Reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 15 USC 1681a ( 2 ) EXCLUSION - EXEPT AS PROVIDED IN PARAGRAPH ( 3 ) THE TERM " CONSUMER REPORT " DOES NOT INCLUDE ( i ) REPORT CONTAINING INFORMATION SOLEY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
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 2023-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MA

Complaint narrative:
I have tried multiple times to reach out and try to retrieve information regarding this debt. I have sent a NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM letter to the company on Tuesday XXXX XXXX XXXX Tracking number for the registered letter that was sent out to the company XXXX XXXX XXXX Today, Friday XX/XX/2023 I have yet to receive any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 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: IL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following account and inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
ACCOUNT : XXXX XXXX XXXX ; INQUIRIES : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022 and XXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
VIOLATION OF FDCPA 15 USC 1692c (c)
 CEASE AND DESIST
 TO THE CFPB:
IN THIS COMPLAINT I AM SHOWING A WILLFUL VIOLATION OF A CEASE AND DESIST LETTER MAILED AND RECEIVED BY AR RESOURCES WITH PROOF THAT THE COLLECTION COMPANY SIGN AND ACKNOWLEDGE AND CONFIRM RECEIPT ON 08/12/2023. AS SHOWN BY THE U.S. POSTAL SERVICE CERTIFIED MAIL PROOF OF DELIVERY DOCUMENT.
WITH THIS BEING SAID AR RESOURCES WAS FULLY AWARE OF ME EXERCISING MY RIGHTS UNDER THE FDCPA 15 USC 1692c(c). WHICH I CLEARLY SPELLED OUT IN MY CEASE AND DESIST LETTER.
SINCE THEY DISREGARDED MY RIGHTS I WILL BE FILING LEGAL ACTION IN MY IN COURT OF MY HOME RESIDENTCY WHERE THE VIOLATIO OCCURRED. THIS WILL BE DONE.
ATTACHED TO THIS COMPLAINT YOU WILL FIND VERIFIED PROOF OF THE COMMUNICATION DOCUMENTED WITH DATE AND TIME OF COMMUNICATION COMING FROM AR RESOURCES OF WHEN THE VIOLATION OCCURRED XXXX  AT XXXXXXXX XXXX  FROM ONE OF THEIR BUSINESS NUMERS EXTENSIONS FROM THERE LOCATION.
THIS FDCPA VIOLATION OCCURRED AFTER RECEIVING THE CEASE AND DESIST LETTER ON XXXX XXXX  AS SHOWN BY THE ATTACHED DOCUMENTS. THIS SHOWS AR RESOURCES VIOLATION OF THE FDCPA AND CAN BE PROVEN IN A COURT OF LAW AND WILL BE PROVEN IN A COURT OF LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
I received mortgage statement, for payment due XX/XX/, and it contains an assessment of {$22.00} indicating I paid a short payment for the XX/XX/XXXX  payment. 
I NEVER received a statement indicating a payment due amount of XXXX. The only statement received, and paid on XX/XX/, was for {$1900.00} and this amount agreed with an earlier letter from Select Portfolio Servicing , Inc. ( SPS ) stating that the payment due for XX/XX/XXXX  would be {$1900.00}. 
It can not possibly be legal or proper for ( SPS ) to retroactively increase the amount due for XX/XX/XXXX   after payment has already been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation