vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-05 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:
On XX/XX/2023 I initiated a dispute through the CFPB directed towards Equifax. I called today XX/XX/2023 at XXXX central time to get status of my dispute and spoke to a rep named XXXX XXXX XXXX He stated that the account I was disputing was modified and verified. I asked what kind of investigation was done and exaclty what steps were taken to verify the account in which I kept getting the same response which was " We sent your dispute to the furnisher and based on what they sent back we verified and modified the account ''. I asked again what investigation did " Equifax '' do to ensure this account was 100 percent accurate besides soley relying on the furnisher. I was told " We don't do investigation we reach out to the furnisher and whatever they send back they verify or modify the account accodringly. How is this fair and equitable to me as a consumer that Equifax soley relied on what the furnished gave them to verify the account in which they are wrong. I believe that is against the FCRA and very biased to conduct an investigation soley depending on the furnisher and not conduct a thorough investigation. Please see attatched the account I want deleted immediatley off my consumer report so it won't do further damage to my credit worthiness and profile. I have attatched proof that XXXX and XXXX have already deleted this account and copy of my driver license so you can verify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: CA

Complaint narrative:
The account " XXXX '' XXXX is a fraudulent account so I disputed it with the bureaus XXXX and Experian multiple times. 

These bureaus claim they have verified the information is accurate, however one can see by looking at the reports this is not true as the " date opened '' information is conflicting. 

The " high balance '' is also conflicting The " date of last activity '' is also conflicting, so there is no way possible both bureaus verified the information as accurate. 

See a recent copy of my credit report reflecting these inaccuracies attached. 

To add insult to injury, I have submitted a copy of my identity theft report ( attached ) to these bureaus twice and they still report the erroneous fraudulent information.

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 2023-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Professional Finance Company, Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX a claim to collect a debt was filed in XXXX XXXX for {$970.00} from Professional Finance that has been disputed with XXXX XXXX  whom I have hired to help clean up my credit and dispute claims like such. The above company failed to Notify me that this claim is out for collection although it's been disputed as well as work out any possible payment options. On XX/XX/XXXX, the original dispute was ongoing because the collectors are refusing to provide service of good pricing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-04-05 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: CA

Complaint narrative:
On XX/XX/XXXX I received a bill from XXXX XXXX XXXX, XXXX ( acct # XXXX ) for ambulance charges I was never billed for, date of service XX/XX/XXXX. I responded to them in writing on XX/XX/XXXX stating that all providers were paid by insurance and that the statute of limitations had expired. A disclosure on their statement : CA license # application pending. I submitted an online complaint to CA XXXX XXXX XXXX and received a response on XX/XX/XXXX that they would contact both XXXX XXXX and Experian, as I filed a dispute with them ( report # XXXX ). In the dispute to Experian, I explained why this was fraudulent and needed to be removed from my report. They closed my dispute with the remark In compliance with FCRA. The XXXX and XXXX to date have not reported, but an attorney advised me yesterday to let them know this week of dispute. My complaint is regarding both XXXX XXXX and Experian. 
Please note that I am XXXX  XXXX on XXXX and still undergoing treatment. Thank you

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 2023-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC
State: MD

Complaint narrative:
XXXXXXXX XXXX XXXX and pinnacle Crdits service has been reporting inaccurate information on my credit report. My identity was stolen and as a result, false inquiries, was made on my behalf. This account, is a brought debt, so the company doesnt own the debt.15 USC 1981 XXXX Numerous disputes were filed, with no results XXXX has also confirmed that debt that was in fact under a different social but and this bill that they are reporting is not mines please delete all inaccurate information of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC
State: WI

Complaint narrative:
DNF Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Has reported to XXXX ( and possibly others ) that they are attempting to collect a debt in the amount of XXXX that originated with XXXX XXXX XXXX at some point around XXXX Previous debt collectors have not been able to provide me with the details of the debt ( dates, communication, etc. ). 

DNF has not contacted me via phone or mail to offer any of the above information, their contact information, or any other information that has offered an opportunity to ( once again ) explain this debt. This debt ( not mine ) was the result of credit fraud that occurred sometime between XXXX. I personally reported to the XXXX XXXX that someone had fraudulently opened an account in my name. I went round and round with this merchant about the credit fraud. They convinced me to try and make payments. I consulted an attorney and was told to report it to law enforcement, the merchant, and to the credit agencies that the account was fraudulently created. This was done. Eventually the merchant told me they had resolved it, eliminating my responsibility. However, the debt has been sold and resold to various debt collection agencies and I have had to repeatedly dispute this debt, despite its origin at least 8 years previous. 

Why this debt continues to be sold, after it has been, at least, four times reported to be credit identity fraud ( reported to authorities ), I have no idea. DNF, as a company, has been extremely sketchy and has violated my FCR rights in that it failed to identify themselves as debt collectors, provide me with 30 days written notice with my options of disputing this debt ( again ), provided no reliable means of contacting them ( multiple attempts unanswered in which I had to track them down ), reported to a credit reporting agency ( XXXX ) that such a debt exists, purports that the debt is valid, and has not responded to written communication. Yet persists in harming my credit status by carelessly reporting this fictional activity, while I have been steadfast in maintaining and growing my credit history. 

While trying to call DNF at their given number ( identifies as " XXXX XXXX '' }, they offer only XXXX options : find account number, check account balance, and Make a Payment. To find an account number, they ask for one 's social security number. When I entered mine, they have no record of an account. The recording informs me to " call back. '' Nobody answers the phone, ever. SKETCHY! 

They have to this point provided me with absolutely no information about themselves, or any activity they have engaged in. Your complaint for the companies identifying information about myself. There is none. Yet they appear on my credit statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Bank of America has opened fraudulent checking accounts in my name and then allowed the individual to immediately change the contact information on the account. Every time I have told Bank of America that I want them to put an alert out that I want NO account opened in my name with my social with their company period. Every time they have told me to put a freeze on the XXXX XXXX to avoid this, which I DID do after the first time and they are still opening these fraudulent accounts. I have contacted XXXXXXXX XXXX  and have a full report and confirmation that Bank of America NEVER ran the account through the XXXX XXXX before opening the account, which would have avoided this situation the 2nd and 3rd time this has happened. 

I have had to put significant personal effort into getting these reports and closing these accounts every single time they do it and there is no sign they will stop. These fraudulent accounts have some kind of activity of them, which they will not show me and I do not have access to see. This is extremely frustrating that a bank that large would seemingly assist fraudsters.

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 2023-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NY

Complaint narrative:
I filed a dispute with cash app for ATM withdrawals that I did not authorize .I told them the person that did them and that they did not have my permission nor did I ever give my pin number out .The way my Son/grandson got my pin was I used my son 's birthday and birth year but I have changed that now.the transaction I'm talking about is for {$260.00} in XXXX XXXX, I live an hour and half from there and did not authorize this transaction .I 'm sure the other 4 will be denied also and I'm just wondering why or how when I'm a victim here.They said denied with no reason at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: NC

Complaint narrative:
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. False misleading information furnishing deceptive forms must remove late payments under the XXXX XXXX XXXX. The account is listed below : XXXX XXXX XXXX XXXX : {$5800.00}

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 2023-04-06 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: NC

Complaint narrative:
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. False misleading information furnishing deceptive forms must remove late payments under the XXXX XXXX XXXX. The account is listed below : XXXX XXXX XXXX XXXX : {$5800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: KEYCORP
State: OH

Complaint narrative:
From XX/XX/XXXX through XX/XX/XXXX My debit card from Key Bank was fraudulently used by another party. He is a XXXX yr old XXXX name XXXX XXXX. He got my information from stealing it. I have a recording of him admitting he stole the information. I closed the card and filed a complaint with the XXXX XXXX Ohio Sherriffs Dept. I spoke to the fraud department with my bank and provided them with all the information. Key bank initially refunded me and then all of a sudden recently reversed the charges which put me in the negative {$1800.00}. I immediately called the fraud department back and asked what this was about. I was told that there was conflicting information. I said what conflicting information? I was then told that I said I had never used XXXX XXXX ( which there are unauthorized charges from XXXX XXXX ) but I in fact had. I got a bit irate because I NEVER said that. I specifically told the rep at the time which was mine and which wasn't. I refuse to be held accountable for this. I did everything I was supposed to do. This was NOT my fault but yet I'm being treated like the XXXX Something has to be done about this. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX showing on my credit report but was paid i fax and sent certified mail to have remove and they will not this is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
ONEMAIN 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have no knowledge of doing business with any of these creditors above, please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05 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.

Complaint narrative:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION TO MY CREDIT REPORT EVEN AFTER BEING NOTIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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.

Complaint narrative:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION TO MY CREDIT REPORT EVEN AFTER BEING NOTIFIED.

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 2023-04-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX was transferred from XXXX XXXX to citi bank On XX/XX/XXXX XXXX was transferred from XXXX XXXX to citi bank to take advantage of high yield savings account. 
On XX/XX/XXXX I received an email from citi bank that my account had been closed : Based on a recent review of your Citi ( R ) Accelerate Savings account, we found that you have violated the terms of your account per the client manual. 
As a result, your Citi ( R ) Accelerate Savings account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. 
With your account closing, please remember to : Make sure that the address we have on file is correct- we will send any funds belonging to you to this address, once the account is closed. 

I called and they were unable to provide any information except that large transfers sometimes triggers and automatic account closure. They said I should file a reversal with my XXXX XXXX XXXX or wait 60 days. I filed a reversal with XXXX XXXX and they said because the funds were intentionally sent that I would have to wait and deal with citi bank. 

On XX/XX/XXXX, I contacted citi bank to ensure that funds would be issued promptly and they said they would take 5-7 days to issue a check and they had the correct address. On XXXX I still had not received a check so I contacted them to see what was going on and was told they would not issue my funds back to me and that XXXX XXXX needed to request the return of these funds and that no check would be mailed. XXXX XXXX told me they had already completed this process and that it was not their responsibility and that I should take it up with Citi bank to get my funds returned. Now nobody at citi bank will give me additional information on how to get my funds back and XXXX XXXX has said they have done all they can do. 

This is a large amount of money for me and I need access to these funds. I'm also currently not working due to recovering from XXXX from XXXX XXXX XXXXXXXX and this is threatening the financial security of my family.

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 2023-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Pegasus Legal Capital, LLC
State: NJ

Complaint narrative:
I took a loan out for XXXX XXXX dollars then a loan company name Pegasus purchased my loan for XXXX and now they are charging me XXXX as repayment. I have a lawsuit going into settlement and my lawyer made me aware of this. I tried calling they are not trying to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 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 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 XXXX XXXX XXXX XXXX XXXXXXXX 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

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