vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
Back in XXXX of XXXX  I have reported a lost/stolen card and fraud activities on my HSBC credit card with HSBC. Even though I provided them all the proof that at the time of fraud activities I was not physically present in the country. I was out of country the whole time my card was used. HSBC have denied my claim. I refused to pay for something which I did not authorized. This is my Right not to pay if I did not make purchases. Now HSBC have sent the whole amount to collection and the collection company name is XXXX XXXX, they are keep sending me emails, non stop phone calls. 

I am attaching my proofs again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # 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.

15 U S C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX, XXXX I.Q. DATA INTERNATIONAL , INC, Account Number 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Not only was the debt incorrect, but we resolved this issue in XXXX, per the Covid Guidelines. I had no knowledge of this debt until I appeared on my credit report XXXX. Once I disputed it I received a letter from company stating it will stay disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: PA

Complaint narrative:
I would like the item removed and or the Late payments removed if they can not prove where i was late and that they must comply with consumer law concerning reporting practices

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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have recently looked into my credit report and noticed unauthorized inquires that I am not aware of. I did not authorize any of these companies to run my credit. I contacted each company and neither one could give me any information on where the inquiry came from. I have reached out to the credit bureaus fraud department directly to resolve the matter but they have been unresponsive and ignored my many requests for a resolution. the items still remain on my credit report. 

XXXX Unauthorized Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquires : XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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 have recently looked into my credit report and noticed unauthorized inquires that I am not aware of. I did not authorize any of these companies to run my credit. I contacted each company and neither one could give me any information on where the inquiry came from. I have reached out to the credit bureaus fraud department directly to resolve the matter but they have been unresponsive and ignored my many requests for a resolution. the items still remain on my credit report. 

XXXX Unauthorized Inquires : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
After checking my credit report and noticed inaccurate and unauthorized items being reported, I contacted the bureaus to dispute these items and have them investigated. I have received responses stating that the disputes could not be completed because they dont believe that the notices came from me as well as responses stating that the investigation was complete and some items were verified. I questioned their verification process as some items were fraud and obviously the information used would match my information but they wouldnt confirm their process. Other items that I disputed, I received notification from the actual courts that stated they never verified nor do they provide information to the credit bureaus. I have provided a FTC report and police report for the fraudulent accounts and have made contact with the courts to remove other items but they stand on the fact that they cant remove what they never reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
{$30000.00} was taken from account, and bank of America has not brought the money back into the account. I filed a complaint on XX/XX/XXXX and i have not heard back. I did not make the transactions on this 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 2023-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I have disputed the claims of this collection debt many times. I have no knowledge of any of these debt collection agencies. I have only ever received one attempt at them confirming a debt, but that was a only a mailing of a statement with my name printed on it. I have not once seen any physically signed contract or agreement that these accounts were/are owned by me. Some collection agencies even resell the debt to keep it alive and on your record ( falsely and illegally ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed a bankruptcy that was placed on my accounts from credit bureau I have no knowledge of the proceedings I notified bureau who refuse to remove the inaccurate information all I was told from the bureau was that the bankruptcy was dismissed which Im sure of that if it was reported fraudulently this has caused me to become homeless with my XXXX kids I told them who seems to not care.my life has been destroyed due to identity theft or some sort of mix up

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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed a bankruptcy that was placed on my accounts from credit bureau I have no knowledge of the proceedings I notified bureau who refuse to remove the inaccurate information all I was told from the bureau was that the bankruptcy was dismissed which Im sure of that if it was reported fraudulently this has caused me to become homeless with my XXXX kids I told them who seems to not care.my life has been destroyed due to identity theft or some sort of mix up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
My Name is XXXX XXXX, Im making this complaint against Convergent Outsourcing INC. for committing identity theft. I have never given Convergent Outsourcing INC any permission to use any of my identifying information to commit mail fraud by contacting me about and alleged debt they claim I owe. Iam legally refusing to pay this debt pursuant to 1692c ( c ). Iam demanding a cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until Convergent Outsourcing Inc can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence, can not be produced and Convergent Outsourcing Inc continues its collection efforts, I will file litigation for actual damages caused and Convergent Outsourcing Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A. extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the receipt and documents herein and of this Notice, you are hereby notified pursuant UCC 1 - 202f. Your prompt attention and response are both requested and required. Account # - 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 2023-04-24 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX ACCT XXXX ORIGINAL AMOUNT XXXX. ACCT BALANCE XXXX Dear Equifax Manager The XXXX XXXX XXXX along with Equifax are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and I request you to revise the report after due diligence. 

I request you to clear my credit report as soon as possible to help me continue business. This account do not belong to me, any account that I am responsible for I am paying or have payed as its my responsibility to do so but not for something that isnt mines. Its against laws to make or force collection, debt and its not accurate or correct or belong to the actual person. 
I ask that I only have accounts that belong to me, respectfully. 

Please look into this matter and do the needful as soon as possible. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XX/XX/XXXX In XX/XX/XXXX, some hack my cell phone and open up an Amazon Account in my name through Synchrony Bank. I was also blocked out of my XXXX account until XX/XX/XXXX. I had to send XXXX copies of my incense to get back into my XXXX account. When I got back into my XXXX account, I saw all these emails from Synchrony Bank about owing money on an Amazon Card. I contacted Amazon the first week in XX/XX/XXXX and told them this was a Fake account. I ask them to close the account. The account at that time was {$1000.00}. Amazon refuse to close the account because they said they could not verify it was me. The hacker used my XXXX and my phone number to open an account. Since then I have change my phone number and closed that XXXX account. I contacted Synchrony Bank Fraud department and explain to a Fraud specialist that I did not open the account. He asked for my address which was not the address on the account. At this time, three weeks in XXXX, the balance was {$3100.00}. I was sent paperwork t fill out which I did. I also included a copy of the police report I filed because the hackers had charge two phones on my XXXX account.I receive a letter today XX/XX/XXXX about a payment not going through on this account which is suppose to be closed. I called the bank and they gave me the run around again.

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 2023-04-25 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: CA

Complaint narrative:
Dear TransUnion Credit Bureau, I am a victim of Identity Theft. My identity was stolen and used in order to gain some financial benefits. Someone or/and group of people applied to multiple Lenders, as a result some fraudulent hard inquiries appeared on my credit report. I have already contacted the lenders to make sure that no fraudulent accounts were opened. The following hard inquiries were not authorized by me. Please delete them from my credit history : XXXX Installment Loans XX/XX/XXXXXXXX XXXX XXXX Auto Loans XX/XX/XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX Auto Loans XX/XX/XXXXXXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXXXXXX XXXX XXXX Auto Loans XX/XX/XXXXXXXX XXXX XXXXXXXX Auto Dealers, New XX/XX/XXXXXXXX XXXX XXXX XXXX  Auto Financing XXXX XXXX XXXX XXXX Miscellaneous Banks XX/XX/XXXXXXXX XXXX XXXX  Miscellaneous Finance XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX  Auto Loans XX/XX/XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX  Credit Unions XX/XX/XXXXXXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXXXXXX XXXX XXXX  Auto Loans XX/XX/XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Auto Financing XX/XX/XXXXXXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXXXXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXXXXXX XXXX XXXX Commercial Banks XX/XX/XXXXXXXX XXXX XXXX  Commercial Banks XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Dear CFPB, Claim | Dispute : XXXX Please allow this letter to be the explanation for the case above. I purchased some perfume from XXXX XXXX Back in XX/XX/. I did not received the full order and returned what they sent me. I contacted them many time from XX/XX/XXXX to XXXX XXXX, XXXX  to resolve the matter but I could not get a resolution from them. Therefore, I filed the dispute above with American Express on XX/XX/XXXX  to get the case resolved. It has been more than 6 months and American Express still can not resolve the case. In XXXX, XXXX, they requested me for more information and I already sent them. Since then, I keep sending them proof and documentation clearly prove that I did not receive the whole order. The evidences are from XXXX, XXXX XXXXXXXX confirming that I only received one of the package they sent. The proof from USPS that I returned the items. There is also an email from XXXX XXXX directly confirming the return of the items and promised me a full refund. I have no idea why American Express could not resolve the case. This should be a very simple case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Ive been back and forth with all 3 credit bureaus Experian, XXXX and XXXX disputing a XXXXXXXX XXXX account since at least XXXX of XXXX. Ive disputed the account online and have disputed it by certified mail twice. Basically XXXX says I owe a balance I dont owe. I have an email from them showing they were supposed to apply a credit to my account which they never did. Ive explained this to the credit bureaus ( Experian, XXXX and XXXX ) sent them the documents and they never remove the account simply because XXXX says I owe it. When Ive shown them in writing they agreed to apply a credit Im owed and they never did. Also proving I dont owe whats being said. The only resolution in this case would be to remove the account from my credit report. I will attach the photo of the email I sent them ( again proving the account is wrong ) along with the balance sheet and the most recent certified mail receipt. Showing Ive made every effort to resolve this matter.

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 2023-04-24 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:
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I can't purchase anything as this information is defemation of character.

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 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I initiated a transfer of {$1000.00} from XXXX to my checking account on XX/XX/2023. I never received it. After several unsuccessful attempts to resolve with XXXX customer service, I initiated a CFPB complaint. CFPB closed the dispute upon receipt of the attached letter from XXXX XXXX. 

I then filed a dispute with my bank, using the trace number provided by XXXX. Usaa responded that they traced the money to a different usaa account (!! ) and suggested that I follow up with XXXX. Neither my bank nor XXXX is able to explain how to recover this substantial amount of money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Spoke with multiple people regarding a double payment to my Sams Club/Synchrony Bank credit card. Called synchrony and they are unable to reverse the extra payment, they cant do it electronically, they cant see it its still pending ( even though my bank said both payments cleared ) and synchrony told me I would have to wait 7-15 days for a paper check! The money allotted in my account is for other bills and I cant wait 7-15 days for a paper check. This company should not be doing paper anything, and there should be a process to reverse the charges. Poor customer service and no one would help me.

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