vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have unknown accounts reporting to on my credit profile. I am needing all unknown accounts removed from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have unknown accounts being reported on my credit report. I am needing the unknown accounts to be removed from my credit file 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 2022-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NH

Complaint narrative:
Please see case # XXXX for full details. 

They have not responded to me or given an update since their initial response on XX/XX/2022. They said they have " reopened my case and are re-evaluating my claim ''. 

They are clearly kicking the can down the road and hoping that I give up. 

Please light a fire under them. They have been jerking me around for months now. I have a legal right to be reimbursed for fraudulent transactions, and this company is clearly violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have unknown accounts being reported on my credit report. I am needing the unknown accounts to be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: TX

Complaint narrative:
I have unknown accounts being reported on my credit report. I am needing the unknown accounts to be removed from my credit file 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 explanation
Consumer complaint received 2022-10-24 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: Kriya Capital, LLC
State: IL

Complaint narrative:
There are unauthorized businesses on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24 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: OneMain Finance Corporation
State: IL

Complaint narrative:
There are unauthorized businesses on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MN

Complaint narrative:
About in XXXX of XXXX, I have seen I had fraudulent transactions and I had called my bank ( CHIME ) and they reassured me the money would be returned. A few weeks go by and that was a lie so I filed a dispute with them it got REJECTED! So they said file a police report and then refile a dispute it GOT REJECTED AGAIN, I got scammed and my money stolen, XXXX to be exact and I have done everything they told me to do to prove I had my money stolen. And recently I have heard recent stories about this bank never disputing peoples money back. And ever since I have been struggling financially wise its been an ongoing battle and just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: CCF Intermediate Holdings LLC
State: IL

Complaint narrative:
There are unauthorized businesses on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: GA

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 XXXX XXXX : # XXXX THIS ACCOUNT Late payment removal month of XX/XX/2021 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have been requesting this your company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In my last dispute I was told that the alleged debt was verified..So I am requesting a detailed process of the reinvestigation to confirm the alleged debt..I am also requesting a summary of my rights, my full file, along with sources and report recipient 's...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I have attempted to rectify this issue directly with the agency and this is my second attempt with the CFPB. The initial complaint took longer than 30 days and did not fix the error with TRANSUNION, nor has proof of written consent been provided following the investigation. 

In accordance with the Fair Credit Reporting act. The listed of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXX SYS : # XXXX 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.

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 2022-10-24 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: DISCOVER BANK
State: PA

Complaint narrative:
Account does not belong to me and or it was opened fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: ERC
State: IL

Complaint narrative:
There are unauthorized businesses on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: OH

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 XXXX XXXX XXXX XXXX 15 U.S.C 1681section 602 A. 15 U.S.C 1681 604 A section 2. 15 U.S.C 1681c. ( a ) ( 5 ) section. 15 U.S.C 1681s-2 ( A ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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. 

XXXX XXXX XXXX has posted a auto loan dating 7 years back without my approval balance XXXX XX/XX/2015 date opened XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of these companies have posted negative information on my credit report without my written instructions per FCRA please dispute this information with the furnishes as I have tried and failed on multiple occasions directly

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 2022-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX of my account is XXXX hello good afternoon on XX/XX/XXXX of this year around XXXXXXXX XXXX XXXX XXXX  I received an email from the XXXX XXXX that a person was trying to access my account telling me the location of this person who was XXXX from the XXXX  after this I proceeded to change the passwords of my banking application and my email so that there would be no more problems, I was very concerned about the situation because I had all my money in this account saved for several months from my XXXX work and called the bank around XXXX XXXX to tell them to help me block my account, the bank replied with " we can't help you '' then I proceeded to email XXXX with my data and photos that ask you to identify your identity, they told me that my account was already verified, I normally work at night and that day after doing all this process I went to XXXX XXXX or at XXXX XXXX I notice they logged back into my account and were shopping online at various stores like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I tried to log into my bank app and was unsuccessful because all my account details had changed and immediately I called the bank so that they immediately blocked the cards that were being used at that moment again they told me that they could not help me that I had to wait for them all the purchases were processed and are no longer in pending status to present a dispute wait until XXXX XXXX on XX/XX/XXXX to be able to access my account since the bank had confirmed my identity again, I disputed the card and they told me that I had to wait to dispute the debit cards. this is the amount that was made with the debit card in Amount of claim : {$2700.00} Amount of claim : {$390.00} Amount of claim : {$1100.00} this is the amount that was made with the credit card The amount in dispute, {$5300.00} then call as the transactions were no longer pending to present a dispute for these purchases of my credit and debit card, they told me that both were already in a state of dispute, after three days the bank told me that there was no error in these purchases and that I would not have a refund of this money that has been stolen from me, the bank provided me with some new provisional cards I can see them in my application after this new card was used again to make the same purchases they re-entered my account they changed my data again and the bank no longer gave me access to this account without giving me a detailed report of the disputes I made. I still have no information about the latest information I have sent to this bank. I attach a photo of what it looks like This person entered my account and changed my email and phone number. 
I have also suffered discrimination from this company because although their staff speaks XXXX they refuse to speak it so that they can have better communication with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: MI

Complaint narrative:
Reported a dispute in credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
There are unauthorized businesses 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 2022-10-24 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: Open Dealer Exchange, LLC
State: IL

Complaint narrative:
There are unauthorized businesses on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
For the last year I've been banking with TD Bank. The day I opened my Personal Checking Account, I opened the online banking service account. Initially, my transactions would reflect the date it began pending, now it doesn't. Normally, banks allow you to click on a pending or cleared transaction and see the Merchant reference number, now I can't. Since I opened the account, I've had to change the password twice ( out of the blue ). I tried logging in, couldn't, and was told to dial ... .... Upon doing so, I'm not convinced TD Bank Representative really assisted me or it was an impersonator, the person who has caused all of these Bank problems. 
In conclusion, today I saw a transaction for {$10.00}. I don't recognize it. So, I clicked on it to see what day it began pending, and I can't even do that. So, I'm convinced this is no longer an online account by TD Bank. It's more of a fictitious account with " JUMBLED '' transactions. And transactions being on hold for a few days so that nobody can see that I spend money 7 days a week and I'm really entitled to my real account. 
In conclusion, what should I do at this point?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Millco Management
State: FL

Complaint narrative:
I have been requesting this your company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: Global Lending Services LLC
State: IL

Complaint narrative:
There are unauthorized businesses on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: MA

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 USC 1681 XXXX CAR LOAN # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1618c. ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
This date is during XXXX & scamming. XXXX identity.

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 2022-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate 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 non-monetary relief
Consumer complaint received 2022-10-24 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: IN

Complaint narrative:
I have a fraudulent account from XXXX XXXX on my report for over {$6000.00}, I have reported this to the police and have my police report but Experian will not accept it for some reason

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 2022-10-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
There are unauthorized businesses on my credit report.

Company response to consumer: Closed with explanation