vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-07 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:
XXXXXXXX XXXX XXXX IS LISTED NUMEROUS TIMES ON ALL THREE CREDIT BUREAUS. MY CREDIT HAS A FRAUD ALERT AND NO CONTACT WAS MADE TO INTERSECT THE INQUIRES. HAND IN HAND, XXXX XXXX, XXXX XXXX XXXX INQUIRY WAS NOT AUTHORIZED. I AM REQUESTING IMMEDIATE REMOVAL AFTER SEVERAL ATTEMPTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
A guy posted concert tickets available for this Saturday XXXX to XXXX XXXX in XXXX XXXX, OH, so after messaging the poster of the available tickets and him showing XXXX receipts for these tickets, I sent him {$250.00} for 2 tickets as requested via Zelle ( transaction # 's XXXX and XXXX ) to XXXX and name XXXX XXXX. His phone number is XXXX. I have screenshots of all of our interactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I noticed a inquiry on my credit reports from XXXX XXXX showing a credit card. I XXXX XXXX did not apply for a credit card. And I wish that its removed from my credit report due to 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 non-monetary relief
Consumer complaint received 2022-07-07 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group
State: CT

Complaint narrative:
Company with the name of XXXX XXXX its trying to collect a debt that I do not own I sent a writing notice about moving out of apartment and I also subject and look for tenants as the contract said but they refused to submitted proof of validation of the debt and still decided to report it to all 3 credit reporting agency asking for a debt that I do not own as i made all my paymnets on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: FL

Complaint narrative:
I received a letter on XX/XX/2022 FROM A COMPANY NAME Credit Control LLC attempting to collect a debt that I do not owe... This is the second time they have attempted this collection. I responded to them on XX/XX/2022 sending them a copy of a XXXX Police Department Police Report that I filed, along with a police case number and the case number card, also I sent them a copy of a FEDERAL TRADE COMMISION IDENTITY THIEF REPORT. I then included a debt validation letter requesting full validation pursuant to Federal Law 12 CFR 1006.34 a debt collector is required to provide a consumer who owes or allegedly owes a debt five categories of validation information : 1. Debt collector communication disclosure 12CFR S 1006.34 ( C ) ( 1 ) 2.Debt related information ( 12 CFR S 1006.34 ( 2 ) ( i ) ( v ) : 34 ( c ) ( 2 ) ( ix ) 3.Itemzation Related information ( 12 Cfr s 1006.34 ( 2 ) ( vi ) ( viii ) 4. Consumer Response information ( 12 CFR S 1006.34 ( C ) ( 4 ). 
Please be advise they have 30 days to give me full disclosure of all these documents. I am enclosing a copy of the debt collection rule section 12.1 and 12.1.1 Furthermore this alleged debt that they are trying to collect is passed the Florida statue of limitation and is and uncollectable debt per Florida 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 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX IS LISTED NUMEROUS TIMES ON ALL THREE CREDIT BUREAUS. MY CREDIT HAS A FRAUD ALERT AND NO CONTACT WAS MADE TO INTERSECT THE INQUIRES. HAND IN HAND, XXXX XXXX, XXXX XXXX XXXX INQUIRY WAS NOT AUTHORIZED. I AM REQUESTING IMMEDIATE REMOVAL AFTER SEVERAL ATTEMPTS.

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 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX IS LISTED NUMEROUS TIMES ON ALL THREE CREDIT BUREAUS. MY CREDIT HAS A FRAUD ALERT AND NO CONTACT WAS MADE TO INTERSECT THE INQUIRES. HAND IN HAND, XXXX XXXX, XXXX XXXX XXXX INQUIRY WAS NOT AUTHORIZED. I AM REQUESTING IMMEDIATE REMOVAL AFTER SEVERAL ATTEMPTS.

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 2022-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA

Complaint narrative:
Hello, That would be a second complaint on CIT Bank and their XXXX  company ( XXXX  ). 
So let me explain a situation I'm now. I was making payments and my credit report got an alert was saying it looks like I'm missing payments. I have looked at XXXX XXXX and shows the the second mortgage at CIT bank, then runs by XXXX is past due, so I thought well I paid it should be get current. But it's still continue same situation. So I have log into the account at XXXX and found I past due XXXX dollars even I paid XXXX dollars per XXXX  XXXX XXXX statements. So the XXXX specialist suggested me to send email to Research Payment at XXXX. I did they replied me with this : " Thank you for contacting us! 
The payments were refunded to your bill pay service on XX/XX/22 & XX/XX/22 & XX/XX/22, please contact them about the payment refunds. Feel free to contact us if you have any further questions. Were always happy to assist you. 
Have you checked our website? Our Frequently Asked Questions page may have the answers youre looking for. '' So I checked with XXXX  XXXX XXXX ( my checking account ), they said they have tried several time to submit payments but it was return back!!!. 
So I called the XXXX and they said it's because balloon mortgage loan, so it's due the whole amount. 
So this is important part : I have never got a full statement to pay all XXXX dollars balance, I have never been communicated from XXXX or CIT bank that is needed to pay a full amount. No-one called me from CIT bank to tell me that is needed to be payoff. 
I have attached latest statements that shown I owned the current payment due but not a full balance!. It's looked like they are trying to foreclosure the house under no communication with me at all. Where is the true in this situation!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I lost my wallet along with my card around XX/XX/XXXX and I informed my credit card that I had lost it, apparently the card was used to make multiple purchase of a total of : XXXX and I disputed those transactions as fraud. About a month later I receive a letter that I am responsible for the charges because the transactions are something about in accordance with my frequent purchases which makes absolute no sense because I had not even used that card for almost a year and the last thing I did was pay my balance. I made a purchase online of an XXXX which would not be related to anything that was fraudulently bought! I tried to contact Bank of America again and they did not provide me with any solution, I asked them to escalate and investiga properly because their reason so denying my dispute is not valid and I should not be help responsible for this. It seems as if they don't even do a proper investigation and just say none sense to get away from it. Noone provides a solution to this in Bank of America.

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 monetary relief
Consumer complaint received 2022-07-07 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I have sent this collections creditor two letters asking for full validation of the debt that they are trying to collect from me and reporting against me on the credit reports. I have a right to understand the charges being held against me. To date, I've yet to receive any answer, but yet they are allowed to be reporting against me on the credit report, whether the information is right or wrong.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: CA

Complaint narrative:
XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: MD

Complaint narrative:
We were under contract for a property in XXXX XXXX XXXX, FL. The process was going smoothly until XXXX days before closing. That is when our movement mortgage representative told us that they may not be able to fund the loan. However, they still made us wait until a week after the set closing date to provide a denial letter citing the type of property we were purchasing ( condo ) did not meet their eligibility criteria. As a result, the seller put the property back on the market and they were entitled to and kept the earnest money deposit. If movement mortgage had done their due diligence in a timely manner and communicated this to us, we wouldnt have had this issue. 

This is a warning to anyone dealing with this company and specifically their XXXX XXXX XXXX branch. XXXX XXXX was the loan officer that we were working with. Although he seemed very nice throughout this process, once this issue occurred he disappearednot answering emails, calls, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: GA

Complaint narrative:
Requesting the audit trail ( accounting, file, ledger and transactional history ) notarized by an accountant for the consumer credit transaction that occurred XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was contacted for some one that offered me a job by my XXXX XXXX Email through my college, they offered me to wrap my car with advertising with a product called " XXXX XXXX XXXX " and they would pay me XXXX XXXX XXXX weekly, I accepted the job because I thought would a good opportunity to improve mi income. After this, the company asked me about my personal information and send this to them. Next to this, they sent me a check for {$4.00} and told me that I would can get my {$500.00} dollars and the rest, {$4.00}, would pay the person who would come to my house to wrap my car. They sent me a check. I printed, and deposited it in my account. Some minutes later, my bank contacted me by email where they said that a fraud activity was done in my account. I called the bank and talked with some one and this person told me that my account was frozen, and I had to call to the fraud department. I called them the next day and someone told me that they had canceled and closed my account. I tried to explain them, but they did not want to listen me and they were really rude with me. If I did something wrong, I did not have the knowledge, and I was really XXXX and unintentionally. They did not take the time to review the case, make an investigation and try to help me. They made me feel like a criminal, despite I had the account with them for several years.

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 2022-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
My name and information was used fraudulently with a Capital One Credit card, the account was opened XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Requesting audit trail ( accounting, file, ledger and transactional history ) notarized by an accountant for consumer credit transaction that occurred on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX I have proceeded to send all ignored/disregarded disputes and complaints to the following personnel at your agency 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 Chief Executive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PLEASE SEE ALL ATTACHED FILES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Account # XXXX on XXXX of 2021 I was late on my monthly payment due to XXXXXXXX. Me and my wife where both XXXX  during that time and unfortunately we were unable to make the payment. I called XXXX XXXX XXXX to see if they could remove my late payment and the representative that i talked to said they where unable to remove the payment. He said that even if I sent a good faith letter they would not remove it. I pleaded with him and let him know that the payment was missed due to being XXXX XXXX XXXX XXXX He went on to tell me that if I would have made the payment 2 weeks before hand this wouldn't have happened. I let him know that getting XXXX where not in my plans and that if I forgot about the payment was because I was more worried about getting out of the hospital alive then making sure I made my payments on time. He then went on to make fun of my illness. That's when I asked him if I could speak to his manager. He took down my number and told me that the manager would reach out to me within 24 hours. Its been a week and still no call from the manager. I'm writing this complaint to see if you can remove this late payment from my report since XXXX XXXX XXXX will not do anything even under my circumstances. I hope you can find it in your heart to remove this for me. I would really appreciate it from the bottom of my heart.

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 2022-07-07 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 federal credit act 15 U.S.C 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15U.S.C 1681B Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

The following has violated my rights : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( which is showing a few account ) Dept Of Ed / XXXX ( Which is showing multiple account ) XXXX  ( which is showing multiple accounts ) U S Depatment of ED ( which is showing a few accounts )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Florida XXXX I have proceeded to send all ignored/disregarded disputes and complaints to the following personnel at your agency XXXX XXXX Executive Assistant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX President, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Chief Executive  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PLEASE SEE ALL ATTACHED FILES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received at statement from Wellsfargo on XX/XX/2022. I never bank with this bank. I called today XX/XX/2022 with no help. So I will be going to the bank on Thursday XX/XX/2022. If no help I will get a police 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 2022-07-07 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
My name and information was used fraudulently with JPMCB, the account was opened XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 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:
It has been tiring disputing these fraudulent items on my XXXX XXXX since the XXXX XXXX have never even cared about my disputes. I have been disputing the fraudulent items from my Credit Report for a long time while informing them that I am a victim of Identity Theft. The last letter I sent to the Credit Bureaus was on XX/XX/2022, urging the Credit Bureaus to remove these items that were opened due to the theft of my Identity. It is also as clear as daylight that the Credit Bureaus have been negligence of the FCRA section 605b and continued reporting unverified and fraudulent information on my XXXX XXXX! Is it that troublesome for the Credit Bureaus to take a look and investigate my XXXX XXXX? Despite the multiple written requests for them to investigate and remove these items, they have done nothing to correct my Credit Report! How many letters do I have to send to the Credit Bureaus for them to actually do their job? Under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. The following accounts and inaccurate address are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately : XXXX XXXX XXXX XXXX Balance {$11000.00} ; XXXX XXXX XXXX  XXXXX Balance {$3300.00} ; and 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