vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-16 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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
XXXX  reported Wells Fargo /XXXX XXXXXXXX XXXX XXXX account fraud account XXXX my right dont agree remover only say account has verify why is Verifycation use this account is no mine and danger my score and need remover immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I paid my account # XXXX XXXX with Home Depot. It should be updated as soonest possible with a XXXX balance.

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 2021-07-16 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: MO

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Today on XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2021-07-16 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: CA

Complaint narrative:
My dorm room was broken into & all my stuff including my ID was stolen. I now have unauthorized inquires 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 2021-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: IL

Complaint narrative:
In XXXX, I responded to an invitation from XXXX XXXX XXXX to open an account through XXXX XXXX. After completing, and being approved, I placed an order for approximately {$80.00}. After several weeks, I called inquiring about the order and was told it had been shipped. 

I subsequently received a billing statement from XXXX XXXX XXXX for the order. I again called and asked for them to track the order but did not receive any updated information. 

For a number of months, I continued to receive statements, which I would mail back with a message advising I had never received the order and requesting either : proof of delivery, replacement order or full refund credit to my account. 

The creditor never responded to my request. Instead, they placed the account for collection. When the collection agency contact me, I explained the situation and was informed they were closing their file. 

In XX/XX/XXXX, XXXX XXXX  ( XXXX XXXX XXXX ) sold my charged-off account to XXXX XXXX XXXX, XXXX who posted the account to the credit bureaus as a new debt item and has proceeded to show it as a past due item each month. XXXX XXXX XXXX, XXXX subsequently assigned the account to a debt collection agency named TrueAccord. 

Upon learning this, I filed disputes with both XXXX  and XXXX XXXX. 

In response, I received from TrueAccord a copy of XXXX XXXX XXXX 's credit card agreement and a XXXX XXXX XXXX statement dated XX/XX/XXXX totaling {$370.00} - with the increase from the original amount due resulting from a {$40.00} per month " late fee '' and a monthly interest rate of 21.74 %. 

TrueAccord has advised they can not do anything with the credit bureau information as they are only the collection agency. XXXX XXXX XXXX, XXXX has advised they do not report to the credit bureaus and I must contact XXXX XXXX  to get this resolved/removed from my credit reports. XXXX XXXX  has advised they charged-off the account and sold it to XXXX XXXX XXXX, XXXX so they will not work with me. 

So, I am stuck with a growing debt for merchandise I never received being listed on my credit bureau reports. I want this resolved and my credit reports corrected but the three entities involved just keep pointing fingers at each other as to who is responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I placed an order from a website called XXXX in XXXX using my Citi Bank Card. I received the order and it contained an item that I did not order, and item that did not match the sizing description and another item of very poor quality. I contacted the customer service email at XXXX only to have them reply to me that they would offer me {$12.00}, a fraction of what I paid or I could pay to ship all the items back at my cost overseas. They will not provide a phone number to reach anyone at, and will not refund my money or provide a prepaid shipping label. I did not agree to the {$12.00} refund, which is what they did send me and I do not agree that I should have to pay for returning an item that is incorrect, and two other items that one does not match the sizing provided on the website and one is of terrible quality. I filed a dispute with Citi Card ( Dispute number : XXXX XXXX ) only to have them tell me they can't do anything until I send the items back to XXXX. It will cost over {$40.00} for me to send the items back that I did NOT order, that do not fit or match the description on the website and the merchant has no phone number to call and will NOT provide a return label. Citi Card is refusing to protect one of its customers from fraudulent charges from a merchant that fails to send the products ordered and has done a terrible job with it's customer service. Why would I go out of pocket another {$40.00} only to 'hope ' that Citi is actually going to get my money back after I send the items overseas? That doesn't make any sense. The merchant sent the wrong items in the first place.

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 2021-07-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The original creditor is Capital One Auto Finance. In short I was delinquent in my car payments and the car was repossessed. I did try numerous times to get the car back before it was auctioned off but was given the run around and the capital one repusenitives either didn't know what was going on or refused to answer the phone. I final get a letter a month later stating that the car was sold for the balance of the loan. Fast forward to almost a year later I start receiving letters and emails saying I still {$6000.00} on auto loan. Seeing that Capitol One had not answer their phones I didn't bather calling them and thought it was mistake, because a typical when finance company sells the car for the balance of loan they don't come after you for the loan or any additional costs. Almost 2 years later I get a letter stating that Capitol One sold the debt to XXXX XXXX who has been less then professional. XXXX XXXX not only calls outside of business hours, calls and hangs up, refuses to leave messages, and has inlisted another collection agency to call about the same debt. So I have XXXX XXXX and XXXX XXXX XXXX calling for the same debt and both calling and hanging up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: NJ

Complaint narrative:
I noticed a few collections and hard inquiries on my credit report I do not recognize

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 2021-07-16 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: NJ

Complaint narrative:
I noticed a few collections and hard inquiries on my credit report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: MO

Complaint narrative:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: KY

Complaint narrative:
I have 4 hard inquires on Experian consumer report XXXX XXXX XXXXXX/XX/XXXX. 

These lenders have accessed your credit file : XXXXXXXX XXXX XXXXXX/XX/XXXX. 

XXXX XXXX XXXX  Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please remove all 4 hard inquires from the data report that they had issues accessing experian 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 2021-07-16 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:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2021-07-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX an unauthorized payment for {$3000.00} was made from My cash app account to another unknown cash app account. I immediately reported as fraudulent to cash app as well as reporting an incident that happened 5 days before where I received notice that My pin requirement setting was turned off. I did not do this and when I checked app settings it was not turned off but to be safe I changed My pin thru the app and toggled setting off then immediately back on. I submitted to them the supporting documentation as well. The actions and treatment from support is blatantly avoiding resolution to the point I suspect to perpetuate the internal fraud committed when the money was stolen from my account. My account was completely secure on my side so why is cash app is unwilling to prove the promise of encryption was fulfilled on their side?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I received a test message along case # with Bank of America XXXXBank of America XXXX and phone number about unauthorized charges on my debit account. This was soon followed up my a phone call ( BOA ) phone. When talking to fraud specialist who identified from BOA, I was scammed into transferring money into XXXX which was suppose to go into a new account for safety purposes. However the alternative acct didnt exist and the money was sent to a third ( scammers ) partys acct. They didnt get the full amount because of the limit of transfer in a 24 hour period. They said they will call back at XXXX am on XX/XX/11 which they never did. I felt something was wrong but they provided personal information and the BOA insignia and phone number. Also the new acct never appeared. I called the fraud dept at BOA and they verified they were not involved in the transaction and it was fraud. They said they would attempt to get the money back but it would be 30 days or longer but since XXXX was used, BOA has no recourse. I got the impression they are just going to go through the motions. They have the Banking information to where the XXXX was transferred but told me it was up to the bank. BOA told me that XXXX has a little warning that says Be sure this is the person you want to send money to before pressing send to Based on the dialogue, BOA contact numbers and text message, I was led to believe I was working with BOA by the scam.The account was opened a month ago. Knowing that people have been swindled and XXXX has been used as a conduit for criminal activity, why didn't BOA warn its customers via a letter or any other form of communication.The real BOA fraud dept knew right away that I was a victim of fraud because they were familiar with the method. Why didn't they share this information with its customers? 

This vicious act has financially decimated me and I have no recourse. Im hoping the you can assist me with recovering the XXXX that was taken from me based on false information or steer me in the right direction. Very grateful for your time and consideration.

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 2021-07-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: NORTHWEST BANCSHARES INC
State: ID

Complaint narrative:
I paid off my {$15000.00} loan on XX/XX/XXXX. I called Northwest XXXX Bank at the time and spoke with service rep, XXXX, to see if there were additional charges to completely pay off the loan. She told me {$7.00} would completely pay it off. I made the payment and I asked again if there were any additional charges and she stated, " No, there is nothing additional. '' One year and six months later, I recently my credit report and discovered that an additional {$91.00} in fees had been added to the loan on XX/XX/XXXX, which significantly lowered my XXXX XXXX. I contacted Northwest XXXX Bank and spoke with Loan Officer, XXXX, who basically told me she couldn't help me and that I had to pay the additional {$91.00} to close the account and they would get back to me as to whether they could adjust my credit report once that was done. I paid the {$91.00}. I have not gotten an answer yet as to if they will notify the credit bureaus that a payment was made. I have a feeling that it will be " business as usual '' and it will just be reported during their next reporting cycle. My credit score will suffer until then.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: New Mexico Educational Assistance Foundation
State: NY

Complaint narrative:
This debt was discharged in XX/XX/XXXX in a Chapter XXXX bankruptcy. I take no ownership of the debt but it was included in my bankruptcy and was discharged. It was removed legally because it caused undue hardship. They were notified at that time the debt was discharged and it had gone unreported on my credit report for years. In XX/XX/XXXX & XX/XX/XXXX they falsely reported that I was 60 days late on a payment to them and then they continued to not report for the next couple of months. It is illegal to report false information to credit bureau and illegal to attempt to collect a debt not owed to them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation