vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-01 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: CA

Complaint narrative:
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


2. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 


3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 


4. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 


5. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 


6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


8. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Amex had an offer for opening the savings account, depositing {$25000.00}, to receive {$350.00} bonus after keeping money there for 90 days. I opened the account end of XX/XX/XXXX, but could not promptly deposit the {$25000.00} because the number of the account was not generated and the paperwork with the account was not sent to me for a while. I could also not link any external account to Amex savings due to some glitch issues in their system and new account opening being serviced/processed. 

The first day on which I could deposit the {$25000.00} was XX/XX/XXXX. I called Amex when I had a problem with depositing money upon opening the account, and the personal representative said I will still be eligible for the bonus so long as I deposit within 60 days. Unfortunately, no bonus was received by me at any time, and when I called back in XX/XX/XXXX, Amex said I had to deposit money immediately upon opening to get the bonus. This is not what I was told by the personal representative, and this was impossible based on the Amex system generating the new account and not providing options for deposit. 

Thus, I request the {$350.00} bonus per promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am contacting you to request the deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this action constitutes a direct violation of the FDCPA and FCRA. I urgently demand that you promptly delete and remove these accounts and information from my consumer report, as their presence is in clear violation of multiple laws. I expect immediate action to rectify this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX  Declined XXXX cash advance from Fifththird bank  XXXX Ohio. I called Fifththird and asked was there a issue, Service rep stated no issues for mortgage deposit.i told her I don't have mortgage with XXXX XXXX XXXX  I just need XXXX. Then Fifththird bank  says I need to deposit when XXXX ; was already in the express. Then Fifththird says I no longer can do advance. I told her Fifththird bank  not in Texas and I just need pay rent. Ithe Rep said no then I went to ATM withdrawal limit I was told XXXX. I told her this is new since I opened acct because of travel. She said only XXXX ; but she could increase the amount only XXXX hrs. I told her no why did XXXX change the amount she said it's always been that.bshe said open another acct for advance I told her no that's not what I agreed to when I first got express checking for my church. Then XX/XX/XXXX the girl said in XXXX OH corporate the branch XXXX out but call customer service for ATM increase I told XXXX XXXX customer service not in charge of Increase or decrease of ATM Withdrawal limit since XXXX with Savings account and Checking acct good standing balance limit only XXXX. From VA and XXXX XXXX. I reported to Fifththird bank fraud department the transportation unauthorized purchase and charge when I have large purchases while traveling and bank robbing attempt and taken. I told them XXXX XXXX and his people recently tried to steal XXXX. Was taken between XX/XX/XXXX and XX/XX/XXXX I took XXXX. XX/XX/XXXX for truck repairs and other urgent care, Before XX/XX/XXXX. The last deposit into my savings was XX/XX/XXXX. I tried to speak with Fifththird rep he said what institution stole money XX/XX/XXXX I said no institution stole money XXXX XXXX and his people trying to get me to spend or transfer money so they can rob the rep then could not hear me. I am telling you these people work in Fifththird bank  and in civil public places stealing from my acct while I travel with my church. I was not given XXXX. Limit on my debit card. From XXXX someone at Fifththird bank  and XXXX XXXX XXXX  did their supply. Please help me I am not the training person for personal working for banks and use my account to mess with so they can learn the fix issues I do so they can get a better job postion. I am tired of these clowns messing with me about robbery and I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I was scammed out of XXXX and I felt the bank could have stopped the transaction. I dont feel they have done anything to help me recoup the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: Advanced Resolution Services Inc.
State: PA

Complaint narrative:
Please see the attached documents as it contains my complaint and my identification. No need to send out letter stating you can not identify me, as My identification and proof of address is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NH

Complaint narrative:
Sir or Madame, The Big Tech Payment Platform `` Square Inc. '' debited {$1900.00} from my XXXX XXXX XXXX XXXX savings account on XX/XX/XXXX. The transaction number is XXXX. See the attached debit on the XXXX XXXX XXXX XXXX Account. 

I do not have a Square Inc. account and never have. When I called Square Inc. customer service they told me they could not help and I would have to dispute it at my bank. Can they really debit almost XXXX XXXX XXXX from my account without any authorization? I am not sure if it is a clerical mistake or fraud yet however Square Inc. should be obligated to help retrieve funds they were not authorized to take. 

This is the kind of conduct the attached Attorneys General letter spoke about. 

Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: GA

Complaint narrative:
I have reached out multiple times to customer care and the CEO XXXX XXXX for assistance in removing a collections account that belongs to my exhusband. XXXX XXXX Bankruptcy court documents and a proof of claim have been provided to Equifax Dispute team multiple times and they are closing the dispute without review of the supporting documents. The erroneous account information on my credit bureau is causing a denial for my daughters student loan for college in fall 2023. 
Please assist me in Equifax reviewing the supporting documents provided and/or providing the proof that the collection account belongs on my credit bureau. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have made multiple attempts to rectify this issue by reporting the fraudulent inquiries that appear on my consumer report. Your actions have caused me significant mental and financial distress, as you have issued an inquiry that is not associated with me and for which I bear no responsibility. This incident is a clear case of identity theft, and I am prepared to pursue legal action if my complaint is not addressed promptly and appropriately. These inaccurate and fraudulent entries on my consumer report have prevented me from fulfilling my dreams, such as purchasing a house and meeting my family 's needs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have made multiple attempts to rectify this issue by reporting the fraudulent inquiries that appear on my consumer report. Your actions have caused me significant mental and financial distress, as you have issued an inquiry that is not associated with me and for which I bear no responsibility. This incident is a clear case of identity theft, and I am prepared to pursue legal action if my complaint is not addressed promptly and appropriately. These inaccurate and fraudulent entries on my consumer report have prevented me from fulfilling my dreams, such as purchasing a house and meeting my family 's needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
Original creditor : XXXX XXXX XXXX XXXX sold the debt to NCB Management Service and they calling with threatening messages and the original creditor seized the vehicle. The amount they say I owe is {$12000.00} and thats incorrect. They seized the vehicle and staying I owe more then its worth and ruined my credit. I have written letters several times and contact the credit bureau to provide proof of the original contract and they provided me with nothing. Im trying to buy a home for me and my kids and grand kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
On XX/XX/ I received a letter from XXXX. XXXX XXXX stating they were a debt collector and trying to contact me to collect a debt owed to XXXX XXXX  in the amount of {$1100.00}. XXXX XXXX XXXX XXXX. XXXX | Account XXXX. XXXX I called the number and they stated the name on the account was a person named XXXX XXXX. They had completely wrong information and I'm not sure how they had me on the debt collection. T he name and address of the original creditor is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. This issue was resolved by CFPB. 

On XXXX XXXX XXXX Sunrise Credit Service sent a credit collection to my credit report for the same XXXX XXXX debt. Account Number # XXXX. 

I am willing to prosecute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: CBC Companies, Inc.
State: WV

Complaint narrative:
I was working with a mortgage lender through XXXX XXXXXXXX XXXX and asked her to get me a quote to see what my odds of approval were based off of my income and debt. I specifically told her several times I did NOT want my credit ran until we knew I could get approved for a loan, and then we could decide to run it later and talk about which loans I wanted to apply for. She said the only way she could look at my taxes is if I uploaded my documents to the application link she sent me because she couldn't access them on her personal computer via dropbox, or any other means. She stated there would be a section on the application to state that I didn't want my credit pulled. I went through all the sections, demographics, etc. and then uploaded the XXXX 's and taxes for XXXX and XXXX. I then received an Alert that there was an inquiry on my credit report on their application website, and on my XXXX XXXX app. I sent her a screen shot of this and she stated that she didn't do it and was in a meeting. I told her it must've been automated, but either way I was furious. She called me once she got out of her meeting and tried to said it was my fault because " I submitted a full application and clicked 'submit ' ". I said " no ma'am, this is NOT going to be on me, I specifically told you I did not want me credit ran, and you said the only way that you could look at my documents was to upload them on this site. I used the same exact process and application with XXXX and theirs looks EXATLY the same and they didn't run credit, so it has to be something with your system, maybe it was automated, or something, but I am not happy. '' I have documentation over text message where I specifically told her I did not want my credit ran. I immediately called the number from the XXXX XXXX  app XXXX and spoke to a XXXX, and disputed the inquiry and told her it needed to be removed IMMEDIATELY because it was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called XXXX XXXX XXXX and they said the loan amounts are correct but when you look at the XXXX, XXXX and Transunion website the totals are incorrect and not updated to reflect the amount of debt we have paid off. Thus we were forced into a loan percentage rate that was higher. Which will end up costing my family thousands to the creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called XXXX XXXX XXXX and they said the loan amounts are correct but when you look at the XXXX, Experian and XXXX website the totals are incorrect and not updated to reflect the amount of debt we have paid off. Thus we were forced into a loan percentage rate that was higher. Which will end up costing my family thousands to the creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The following creditors are falsely reporting information to my credit report. 
XXXX XXXX account opened on XX/XX/XXXX and was then passed to XXXX XXXX services. 

XXXX XXXX is falsely reporting an account that was also opened without my consent or permission. The account Is reporting that it was opened on XX/XX/XXXX. 

Capital One bank is reporting an account that as opened without my consent or permission and is a case of identity theft fraud. The account is reporting that it was opened on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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:
The following creditors are falsely reporting information to my credit report. 
XXXX XXXX account opened on XX/XX/XXXX and was then passed to XXXX XXXX services. 

XXXX XXXX is falsely reporting an account that was also opened without my consent or permission. The account Is reporting that it was opened on XX/XX/XXXX. 

XXXX XXXX XXXX is reporting an account that as opened without my consent or permission and is a case of identity theft fraud. The account is reporting that it was opened on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: FL

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.

The letters are stated with items and issues.

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 2023-06-01 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: FL

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.

The letters are stated with items and issues.

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 non-monetary relief