vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-23 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: TX

Complaint narrative:
I was surprised to see that there are accounts being reported on my Credit Report that are completely unknown to me. I took the liberty to investigate and concluded that these accounts are fraudulent. I am now submitting this complaint today to inform the Credit Bureaus that I was a 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 accounts 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 accounts/items which do not belong to me or were opened without my permission : DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$2000.00} DP OF EDUC XXXX Balance Owed : {$6400.00} DP OF EDUC XXXX Balance Owed : {$5800.00} DP OF EDUC XXXX Balance Owed : {$2500.00} DP OF EDUC XXXX Balance Owed : {$3300.00} DP OF EDUC XXXX Balance Owed : {$6000.00} DP OF EDUC XXXX Balance Owed : {$9300.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$3800.00} DP OF EDUC XXXX Balance Owed : {$1400.00} DP OF EDUC XXXX Balance Owed : {$3500.00} DP OF EDUC XXXX Balance Owed : {$3500.00} XXXX XXXX Balance Owed : {$140.00} XXXX XXXXXXXX Balance Owed : {$15000.00}. I have read that 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 2022-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the account being reported were erroneous. I sent a letter to the Credit Bureaus oin XX/XX/XXXX to request an investigation and correction of the Erroneous accounts on my Credit Report. The 3 credit bureaus must validate these accounts in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} Date Opened : 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 2022-07-23 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the account being reported were erroneous. I sent a letter to the Credit Bureaus oin XX/XX/XXXX to request an investigation and correction of the Erroneous accounts on my Credit Report. The XXXX credit bureaus must validate these accounts in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
My phone was stolen and sim card was removed, my phone was found and get on it an cash app ( which I was get direct deposit from my to cash app ) my money was gone an send out. I reported my cash app card stolen and they cancelled card send me a new card and as soon as I activate new card ( cerebral ) which I wasn't sigh up for take XXXX dollar out of my account on a new card lol cash app has did nothing they haven't blocked not one place I've ask them to that trying or has took money out with out my authorization authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/22 I attempted to purchase a puppy from what looked like a reputable site XXXX I got into contact with someone who told me pricing and shipping info. He stated the puppy was {$700.00} and shipping was {$200.00}. Comparing shipping prices it seemed low but not far off. Puppy price was low but within reason for a puppy not registered to the akc. They reassured my by sending updated pictures of said puppy. They reported their name as XXXX XXXX with an email of XXXX. The phone number they used was ( XXXX ) XXXX. They stated they were from XXXX Maryland. I sent the money through XXXX to a XXXX  name of XXXX with the email above. I got a shipping confirmation number on what looked like a reputable site XXXX tracking number XXXX. Listed on the shipper info is XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX ( XXXX ) XXXX XXXX. The next day when the puppy supposedly shipped I got a notification the puppy was on hold due to incorrect crate and I would need to send {$1800.00} that would be refunded for a new crate. I attempted to contact the seller who tried to play it off as a normal thing and continue the scam. I put it together at that point it was a scam and attempted to get my money back calling my bank and requesting the money through XXXX and calling the scammer for a refund. Because I authorized the money transfer, my bank stated they can not do anything and to contact the seller for a refund, which is impossible with a scam. I will attach the email and text messages I recieved.

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 2022-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I HAVE BEEN SUBMITTING REQUESTS TO THE BUREAUS FOR THE LAST 7 MONTHS so since XXXX of XXXX  THERE is an issue WITH XXXX XXXX - IT'S REPORTED ILLEGALLY - IT'S reported as A CLOSED CHARGE OFF ACCOUNT by transunion and XXXX. 

XXXX REPORTS with XXXX XXXX as CURRENT with current activity and again it's closed marked as a charge off. They report POSITIVE payments and a current DATE LAST of ACTIVE, WHICH IS NOT ACCURATE OR POSSIBLE. This is illegally re-aged to my understanding XXXX REMOVED this account IMMEDIATELY. 

TRANSUNION based off of what I see has never investigated this. Under date last reported it suggests they have never looked into this. Each bureau reports a different date of last activity as well. If this had been verified then that wouldn't appear liek that.

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 2022-07-23 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: NJ

Complaint narrative:
I HAVE BEEN SUBMITTING REQUESTS TO THE BUREAUS FOR THE LAST 7 MONTHS so since XXXX of 2021. THERE is an issue WITH XXXX XXXX - IT'S REPORTED ILLEGALLY - IT'S reported as A CLOSED CHARGE OFF ACCOUNT by XXXX and equifax. 

EQUIFAX REPORTS with XXXX XXXX as CURRENT with current activity and again it's closed marked as a charge off. They report POSITIVE payments and a current DATE LAST of ACTIVE, WHICH IS NOT ACCURATE OR POSSIBLE. This is illegally re-aged to my understanding XXXX REMOVED this account IMMEDIATELY. 

XXXX based off of what I see has never investigated this. Under date last reported it suggests they have never looked into this. Each bureau reports a different date of last activity as well. If this had been verified then that wouldn't appear liek that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
Cash Net USA keeps increasing my payment and drafting it out of my bank account on the wrong days. How did my payment go from {$200.00} to {$300.00} in 1 week?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) has antiquated web facing and payment tracking systems. Throughout the XXXX years I had my car loan with the company, I often made payments through the web interface before the due date, yet the company charged us late fees. Payments made through the site did not apply to my account as of the due date. 

Additionally, the company offered XXXX skip payments throughout the loan life cycle which in XXXX cases XXXX XXXX did not apply these which caused additional late fees and interest charges. 

With the errors in payment application, the loan has extended almost XXXX months past its original term of XX/XX/2021 and cost us about {$3000.00} in additional interest and late fee charges. I spoke with multiple managers and staff at XXXX XXXX to correct both my credit report and the late fee charges. The company did agree to remove a few XXXX dollars of late fees ; however, to date that has not happened nor have they corrected my inaccurate credit reporting to Experian. 

Although the loan has a small remaining balance, I would like two things : 1-Refund me the interest charges going back to the original term ( XX/XX/2021 ) and 2-Correct the credit reporting for the loan for all of the 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 2022-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
This account is being incorrectly reported on my credit due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I continually request a valid signed and dated copy of permissible permission used to access my credit report in XX/XX/2017 by Experian and XXXX XXXX XXXX XXXX ( XXXX  ). Both companies ignore, list request as duplicate, or reply with push of button with a programmed reply set up by it's management. I sympathize with employees that are treated like illiterate zombies for the sake of management for the sake of money. I have too much pride to be treated or to act like that.

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 2022-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
THIS IS NOT A DUPLICATE! 

I was scammed by XXXX they approached me and manipulated me into investing. I did the transactions through my Coinbase Wallet in a mining pool. I did everything based on their instructions. After i had tried to take the funds out they stated that i would have to pay taxes.. i then realized that it was a scam. It all happened around XX/XX/2021. 

I lost XXXX USD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank put froze my checking account after I deposited {$25000.00} in inheritance money. In total, they are holding over {$26000.00} hostage which includes my monthly social security payment. Chase asked me to tell the executor of the trust who issued the check for $ XXXX t to go to a Chase bank branch and show two forms of ID. The executor is traveling now and he can not go to a Chase bank. In the meantime, all scheduled electronic payments are getting declined because Chase won't remove the restrictions from my checking account. Please help! 

Thanks in advance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
Was scammed out of {$400.00} through Zelle through my bank XXXX. {$250.00} on XX/XX/XXXX and {$150.00} on XX/XX/2022. Didn't realize it was a scam until they asked for more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I place a complaint with Experian and XXXX on XX/XX/2022, explaining that a few of the creditor listed on my account had incorrect information on my credit report. On XXXX XXXX there was, and update add to my account which I feel was done by the credit bureau without contacting the actual creditor. There has been no information sent to me or available to see online. there is no place to request information on how they updated this information. My credit score then took a nine-point negative hit. This account was sold to a debit collection company, but the original creditor is the one reporting the wrong information on the 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 2022-07-23 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: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/2022 I XXXX searched for a hotel to make a reservation and and on the XXXX search produced a URL for XXXX near the top. 

I selected the URL thinking XXXX owned the XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I wanted to reserve a room for a week. 

At XXXX XXXX XXXX I booked a room at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a week using my Discover Credit Card. Upon completing the booking I noticed that a supplement charge of {$400.00} was added to the room cost, which surprised me. So I researched and learned that XXXX was not the owner or reservation agent for the XXXX XXXX XXXX, but was some independent internet based booking agent. And another XXXX search for " XXXX Scam '' returned hundreds of complaints for fraud. So I called XXXX and requested to cancel and I received a confirmation at XXXX eastern time the reservation was cancelled. 

Upon further review I found a paragraph at the bottom of the confirmation and cancellation that the reservation could only be cancelled for a full refund by XXXX on XX/XX/2022, which was the night before I made the reservation. So I was scammed. 

I booked the hotel room at the XXXX XXXX XXXX on XXXX XXXX directly and charged the room to my Discover Card. The total cost was {$400.00} less than what XXXX was charging. But now I have paid both charges because of the fraud and am out {$1200.00} to Discover Card. 

I immediately called Discover Card to stop the transaction, and Discover Charge advised me the charge had not posted and to call back when it did. When I received the next statement I explained the situation and Discover Card processed a dispute, but when XXXX sent in the internet confirmation, Discover Card resolved the dispute in the Merchant 's favor. I then called and placed another dispute with documentation. XXXX again sent in documentation and Discover Card has said to me that since Discover Card is a documentation based company, they have resolved this permanently in favor of XXXX 

The XXXX scam is littered over the internet and the scam can only be completed with the complicit assistance of credit card payors, in this case Discover Card. This is a big problem for consumers and Discover Card is not able to deal with the consumer protection aspect of this problem and it appears they are conflicted because it is the Merchants who pay the credit card fees.

Please look into this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: TN

Complaint narrative:
N 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 2022-07-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
This company contacted me about a balance owed on a car that was under my name that I did not own. Upon doing research I was contacted by an insurance company telling me about the totaled car that was in my name but insured for a totally different person. I found out that it was my ex who got a car in my name then crashed it months later. I got with a credit XXXX and they submitted things to all XXXX bureaus. XXXX is still the one that has yet to remove Truist from my report. The insurance paid everything but about {$2000.00}. And that is what im in delinquency over. Something I never even knew about. I had a credit score of about XXXX and now it sits below XXXX. I have great credit history and no bad remarks. This being on my credit is impacting me not being able to get a home. 

They keep calling me harassing me over this debt which I thought the credit repair guy that I paid handled. The insurance company didnt cover the full amount of the loan amount and that is what is left and what took my credit score down. Something I didnt even know about.

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 2022-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prince Parker & Associates
State: PR

Complaint narrative:
In the month of XXXX i saw on my credit report a debt collection account that doe n't belongs to me for the amount of {$1700.00} for a Phone Bill from XXXX. I went to the XXXX XXXX Police Station located in XXXX XXXX and file a police report to start an investigation. The Agent XXXX filled the police report with her ID badge number # XXXX and the police report # is XXXX. I will like to this account be removed from my credit report. The collection Agency is still charging me for the amount of {$1700.00} for an account that doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: OR

Complaint narrative:
N accordance with Fair Credit Reporting Act XXXX  XXXX XXXX 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 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 2022-07-23 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/2022, there was a fraudulent use on my XXXX XXXX XXXX and a victim of fraud. I report the matter to the XXXX police department, XXXX XXXX, and XXXX XXXX the energy company that the fraudulent used my identity for the possession of electric power. 
I called XXXX energy to let them know that I have never been in business with them before, which is not me. They asked me to report the matter to FTC and the police department and get a report from both departments before they could close the case. 


Yours sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation