vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account/item which do not belong to me or were opened without my permission. 


XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$78.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$420.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00}, XXXX XXXX XXXXXXXX date Opened : XX/XX/XXXX Balance : {$140.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 


XXXXXXXX XXXX XXXXXXXX date Opened : XX/XX/19 Balance : {$140.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account/item which do not belong to me or were opened without my permission. 


XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$78.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$420.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00}, XXXXXXXX XXXX XXXXXXXX date Opened : XX/XX/XXXX Balance : {$140.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account/item which do not belong to me or were opened without my permission. 


XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$78.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$420.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00}, XXXXXXXX XXXX XXXXXXXX date Opened : XX/XX/XXXX Balance : {$140.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: West Coast Mortgage Associates
State: CA

Complaint narrative:
Hi, Myself and XXXX other siblings, Inherited two properties from our Fathers Trust in XXXX I, eventually bought out my XXXX siblings, to become the sole unmarried owner. I then hired West coast mortgage associatesXXXX XXXX XXXX XXXX XXXX XXXX ca XXXX to complete the first XXXX. the balance owed was XXXX from my fathers existing XXXX XXXX.We Did the appraisal and XXXX Funded the loan... with her AKA ; XXXX Personal Mortgage company. this the first of many XXXX. in to play approx. XXXX XXXX to pay off balance and XXXX siblings. 
I started dating a gal I met on an online dating site in XXXX I then bought out the siblings on another home shortly after the new girl friend. I then completely remodeled the second property for us to enjoy in the mountains. and eventually turned it into a rental. after many costly XXXX. to once again draw money out to usually pay down maxed credit cards XXXX. 
this last XXXX of XXXX I accidentally found a complete set of Loan docs and Escrow about to lock in a few days! for XXXX XXXX on my one Primary house! so I called XXXX and asked XXXX is going on? She cancelled that loan, and said her and my now wife of only 2 years, and unhappy with the XXXX at this point. forgot to cc me on the emails like I had always done Religiously .... WELL 2 weeks later XXXX arranged for my wife to do a CASH OUT XXXX on both properties for about XXXX ; wife drove away XX/XX/XXXX and is still half owner & Served me Divorce Papers 4 weeks later & wants both houses RV Toys everything!!!! I can not even call XXXX XXXX XXXX XXXX company, because XXXX only on Title and half Owner. Come to find out my girl and XXXX were altering the XXXX properties about every 19 months while hiding all mail from myself, and keeping loan amounts within a {$100.00} of original Loan to hide the secondary principal Etc... so I think about 10 XXXX  in 12 years has been done!!! Shame on these People .....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My account rights have been violated sections 602 states that have the right to privacy my account was furnish with out my written instructions creditors has charged my open end account with late payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I had reached out to my financial institution Comenity Bank now known as Bread Financial regarding a transaction that was placed on XX/XX/XXXX for the amount of {$710.00} from the merchant BJs as I had never gotten my package at first. Later on, it did show up but later than expected as I needed it for a gift for someone, so I had returned it back to the merchant on the XXXX of XXXX and it was delivered to the merchant warehouse on the XXXX of XXXX. However, the issue is that the merchant has yet to have refunded me for the transactional my account despite returning the merchandise to their warehouse. So, I'd reached out to my financial institution to update and clarify the situation and dispute to further reflect that I had never received a refund despite returning the merchandise. I had also first reached out to the merchant to attempt to remedy the issue and in regard to receiving a refund however they refused to assist me in any way and so I reached out to my bank, but the problem is now that my bank themselves are denying my claim despite clear proof was returned to the merchant and had recently reversed the transaction making me liable for merchandise I no longer have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I went to my PayPal account online to see if I could transfer money and did not want to use my credit card attached to cover the transaction, so I was going to leave the page. 
PayPal had added a feature and it clicks on its own, one of my small business accounts without my permission. 
I left the page and noticed it clicked on its owned, charged me XXXX and transferred XXXX dollars to my small business account. 
this is not the first time they did this, and please don't tell me to pay closer attention and reclick another option. they even added other bank cards as options, and I didn't agree. 
if they add these next time without my permission I will be filing a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AZ

Complaint narrative:
I am submitting a formal complaint to address a false and erroneous DUI that is being reported on my record. This company has caused adverse action and undue stress due to its distribution of this fake information. I demand this information be corrected and removed immediately before a lawsuit is filed due to a violation of the FCRA. This organization has a responsibility to only report correct information and has completely failed in protecting me from false and detrimental information. This is a disgusting display of negligence and its negative impact of such blatant disregard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: TX

Complaint narrative:
Am a victim of identity theft I was looking over my credit report and saw some accounts wasnt mine some one stole my identity. XXXX XXXX  XXXX account XXXX and XXXX XXXX XXXX account number XXXX. 15 U.S.C 1681 section 604 A section 2 the law clearly states a consumer reporting agency can not furnish a account without my written instruction.I havent given these accounts written permission to furnish these accounts on 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 explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: RI

Complaint narrative:
I XXXX XXXX, On XX/XX/XXXX I purchased a SUV from XXXX XXXX in XXXX XXXX Mass. My Loan doc 's are all wrong they promised me on price of XXXX dollars but on the loan doc it say XXXX plus a bunch of XXXX fee 's that don't make sence. The sales guy is XXXX XXXX, the loan person was XXXX XXXX. This car buying experience was awful. now I'm like how do I pay the trap I felt like I was put in. Can you Please Help. I'm a hard worker and I fell Like I have been taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This debt collector is trying to collect a false debt, which was a result of identity theft and the official company removed the debt from my credit report. But my report is now damaged from an invalid debt trying to be collect which was already removed and deleted from my report. The account was deleted on XX/XX/2022 but a debt collectors is claiming false debt now in XXXX which is damaging my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NY

Complaint narrative:
In XXXX of XXXX, I was contacted by a debt collection company called Hunter Warfield ( XXXX XXXX XXXX. XXXX, FL XXXX ) who was hired by a leasing company, XXXX XXXX XXXX, XXXX, ( XXXX  ) in XXXX NY my son used for his college apartment 2 years prior ( XXXX of XXXX ). The letter they sent stated that XXXX demanded additional funds, over and above the deposit paid. The amount they were demanding was for repairs of issues that were already present prior to my son moving into the apartment or for repairs for issues that were incurred while he lived there that were not under his control ( leaking roof, bad plumbing ). These issues were written down ( holes in walls, peeling paint ) and we were told would be taken care of prior to him moving in by XXXX or were submitted as maintenance requests through XXXX 's website during his time in the apartment. That information now seems to be " lost '' and XXXX is demanding payment for repairs we are not responsible for. 
The other issue is that the TOTAL amount demanded is {$1100.00}, yet they are asking for this total amount from the 5 different families of the boys that lived in the house at the time, essentially demanding {$5800.00}, which is even more unfounded and in my opinion complete FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
I owed on a credit card and reached a settlement with the collectors over the phone, but I have not been able to contact the company through their email/chat system, even waiting 5 or more days even though you set a date to receive a reply on, meaning you are forced to call and talk to someone which is very non inclusive to those who cant/isnt comfortable talking on the phone

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2022-09-19 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:
As a Consumer thats protected by FDCPA this request is to removed the following inquiries/accounts on my Consumer Report for I have not given my consent to furnish this on my Consumer Report per 15 USC 1681 ( B ). And I am also exercising my right to privacy under 15 USC 1681 ( A ) ( 4 ). Reporting this information on my Consumer Report is also a Violation of 15 USC 6802 ( B ) 1 ( A ), ( B ), ( C ) I was never given the opportunity from your agency to have my personal information block from being expose. Below you will find a list of inquiries/accounts I would like deleted from my Consumer Report ; Collection Accounts : XXXX XXXX  Account Number : XXXX Collection Opened : XX/XX/XXXX Balance : {$1800.00} Reporting on ; XXXX/EXPERIAN XXXX XXXX Account Number XXXX XXXX Collection Opened : XX/XX/XXXX Balance : {$730.00} Reporting on ; EXPERIAN XXXX XXXX XXXX Account Number XXXX XXXX Collection Opened : XX/XX/XXXX Balance : {$84.00} Reporting on ; EXPERIAN/XXXX XXXX XXXX  Account Number : XXXX Collection Opened XXXX XX/XX/XXXX Balance : {$680.00} Reporting on ; EXPERIAN/XXXX INQUIRIES : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX EXPERIAN Inquiry Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX EXPERIAN Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX EXPERIAN Inquiry Name : XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Name : XXXX Inquiry Date : 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 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I have contacted USAA to resolved a a dispute with XXXX XXXX XXXX transaction is the amount of {$75.00} thinking USAA has my back they have taken back the {$75.00} temp credit that I had gotten causing my account to go into the negatives. I have submitted evidence of receipt to USAA paying to the parking lot, even when I told USAA I was unfairly booted on my car. I do not agree with this charge. I am currently a loyal USAA member and they did not have my back when I showed proof of receipt, when I show plenty of evidence that I paid for the parking and should not have been booted from my car. I have attached proof of payment which should have confirmed I should not be charged the {$75.00} booting fee for this service when I paid. Even USAA agent when I first called agreed with me that I should win this dispute of USAA investigations team decided differently

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