vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-17 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: GA

Complaint narrative:
I have asked XXXX XXXXXXXX XXXX to send me proof that these credit cards was opened by me because it is fraud and they have yet to do so. It has been 1 year of disputing them and they refuse to send me any verification documents, file or procedures used to verify account. This is a violation of my consumer rights and I demand that they delete these accounts today! 

These accounts are causing me to lose out on employment and extension of other credit opportunities. I never gave them permission to use my personal information, they are violating my privacy by sharing inaccurate information with other parties which is identity theft and they refuse to rectify the situation. 

Delete these accounts now : XXXX. XXXX XXXX. XXXX I have included my id so please do not use stall tactics and say that you can not verify me.

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 2022-08-17 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: GA

Complaint narrative:
I have asked XXXX XXXX XXXX to send me proof that these credit cards was opened by me because it is fraud and they have yet to do so. It has been 1 year of disputing them and they refuse to send me any verification documents, file or procedures used to verify account. This is a violation of my consumer rights and I demand that they delete these accounts today! 

These accounts are causing me to lose out on employment and extension of other credit opportunities. I never gave them permission to use my personal information, they are violating my privacy by sharing inaccurate information with other parties which is identity theft and they refuse to rectify the situation. 

Delete these accounts now : XXXX. XXXX XXXX. XXXX I have included my id so please do not use stall tactics and say that you can not verify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: GA

Complaint narrative:
I have asked XXXX XXXXXXXX XXXX to send me proof that these credit cards was opened by me because it is fraud and they have yet to do so. It has been 1 year of disputing them and they refuse to send me any verification documents, file or procedures used to verify account. This is a violation of my consumer rights and I demand that they delete these accounts today! 

These accounts are causing me to lose out on employment and extension of other credit opportunities. I never gave them permission to use my personal information, they are violating my privacy by sharing inaccurate information with other parties which is identity theft and they refuse to rectify the situation. 

Delete these accounts now : XXXX. XXXX XXXX. XXXX I have included my id so please do not use stall tactics and say that you can not verify me.

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 2022-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED BANKSHARES, INC.
State: VA

Complaint narrative:
Per our conversation, I am filing a formal complaint, regarding my wire that was not sent out. 

I went into the XXXX XXXX, XXXX, VA branch on XX/XX/XXXX. I signed a form for a wire transfer to go out in the amount of {$6200.00} from United Bank XXXX XXXXXXXX XXXX. I was informed by XXXX XXXX, branch manager, that it would go out that day. The transfer was to an estate account to pay Federal and State taxes. 

On XX/XX/XXXX, I was balancing my account, when I noticed the wire was never deducted from my account. I checked the other account and the wire was never received and the two government payments I sent were returned. 

I called XXXX and she said she would check on it. She called back and stated it was her fault, her system froze while processing and she put it in her pending and never went back to send it. I told her I wanted my return check fees paid as well as any penalties due to the checks being returned and not paid. 

She stated she would have to get permission from her Regional Manager and would get back to me and in the meantime, do I want her to sent the wire out. I said yes. 

The following morning, she called me again to ask me if I wanted the wire to go out. I stated I told her yesterday that I did. She said yes she knows but the wire was to old to sent out. At that point, I again stated to send the wire out and that I want her Regional Manager to call me directly.

The Regional Manager, XXXX XXXX, called me at XXXX pm. I missed the call, returned it at XXXX pm and left a message. I called back at XXXX pm. She returned my call at XXXX pm. 

XXXX XXXX, first question was, I understand there was a problem with your wire? I asked her if she had spoken with XXXX XXXX yet? 
She stated she had, but to provide her with the details. So I told her all of the above. She asked me if I had received the penalties as of yet. 
I stated not yet, but they are taxes for government agencies, so they are coming. I asked for a letter from the bank, stating they were the ones that did not send the wire and that is reason there were no funds in my account. She said when I receive notices from the agencies to let her know and she will send it to legal to see if I can obtain a letter. She did refund the overdraft fees from the other bank. 

I want the penalties reimbursed when I receive the amounts. I also want a letter from the Bank, stating : 1. I submitted the correct form for a wire on XX/XX/XXXX in the amount of {$6200.00} 2. The Wire was never sent out due to bank error, not due to any error by me I understand waiting for the penalty amounts to come in to be reimbursed, which I should be. However, I should not have to wait for a letter from the bank stating their error.

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 2022-08-17 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: World Acceptance Corporation
State: GA

Complaint narrative:
Per 15 USC 1681 G ( A ) 1, 15 USC 1681 A ( 1 ), 15 USC 1681 ( A ) D ( 2 ) ( A ) ( I ) : I have the right to not consent to my person information being shared with companies that I have not given consent to. I have the right to refuse alleged debts and require verification from these companies. 


I demand that World Finance delete this account immediately and not ever repost it on my consumer report. 

Loan XXXX Do not claim this is not me. I have included my id. You normally use that as a stall tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: LA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-08-17 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: LA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: PA

Complaint narrative:
I am filing this complaint because I see that Experian 's Privacy Policy states : We share your personal information with third parties you expressly authorize, consent to authorize, consent to, or direct us to share your information with. I did not provide Experian with any written authorization, consent or instructions to accept, furnish, or report information on my behalf

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 2022-08-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX I received a phone call that came up on my phone, Bank of America.. I gave them all the information they asked for.. social, drivers license, debit card numbers. I looked at my bank account 2 days later.. their was 4 charges amounting to XXXXwhile I was on the phone my sister called me and said I just called your phone and somebody else answered and was giggling and they hung up.. my sister then called my wifes phone and said get off the phone its not boa. In fact my phone was hacked.. I called boa and filed a claim. A week later I received a letter from boa stateing, XXXX, unfortunately, were unable to approve your recent claim I reopened it XX/XX/XXXX and explained what had happened to me. I didnt hear anything back yet.

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 2022-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Paid off my Sears Card last XX/XX/2021. Continuous autopay payments came out of my checking account the XXXX of each month following. Last week I spoke with my bank and they researched, and stated the payments were made in error. ( these have been disputed ) When I spoke with a foreign person with Sears they stated they could not close the account I paid off unless I gave them my social security number by phone. I refused. I continue to receive calls from someone I believe is posing as Sears, trying to collect a debt. When I followed up with Sears weeks prior I was told they too could see I have a XXXX balance and the payments from my checking are not from them. 

I am getting harassed by someone texting and calling me now on a daily basis. They do not always leave a voice mail. XXXX is the number they call from. 

Please advise, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am XXXX XXXX submitting this complaint against CREDIT COLLECTION SERV and their is no third party involved. CREDIT COLLECTION SERV did not provide me with sufficient documentary evidence such as tracking number or some type of signed delivery slip by me the consumer, proving that I received and was made aware of collection activity of this alleged debt, this alleged debt had been fraudulently placed onto my consumer report with forethought and malice to being harm to me and my financial reputation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Said had to have account number to help me I have no account. they put a hard inquriy on my credit report which I never applied for anything with them

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 2022-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ADIR INTERNATIONAL LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX I noticed there was an account on my credit report that had missed payments. I did not open this account. I called XXXX and opened up a dispute stating that this debt is not mine because I did not open the account. The account was under a company called CURACAO, which I have never shopped with before. 

I have never opened a line of credit with CURACAO. After submitting my dispute with CURACAO, I called the company to see if they could assist. They were unable to locate any account associated with my name or address. This was alarming given that the account was still filed under my identity. 

The credit report only gave me a partial account number which CURACAO said was not enough to pull up any information regarding the late account. CURACAO stated they would send me a packet of information to fill out and return to them to assist, but they never did. 

Two weeks later, XXXX updated the dispute and stated the account was mine ( as stated by CURACAO ), and dropped my credit score due to late payments. I called XXXX back regarding the dispute, and they stated that I didn't identify the account as identity theft, stating that I only mentioned the account wasn't mine. XXXX advised me to register a report with the FTC regarding identity theft. 

XXXX also stated that there were two accounts opened with CURACAO under my name. They stated one was in good standing, and that the other one listed late payments. Neither of these accounts are mine. I have never opened an account under CURACAO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I wanted to sell a used television for XXXX $ and posted an ad. A potential buyer reached out to me and asked me for my zelle details to transfer money and get the tv. I gave him my email which is linked to my zelle account. Then I received an email from XXXX : REQUIREMENT TO RECEIVE THIS FUNDS 1. Get your Zelle account ready.

2. Contact the buyer for our agents info that was sent to himher via email. 

3. Send the sum of {$400.00} USD to XXXX XXXX. 

4 Take a clear picture/screenshot of the payment once effected & reply to this email.

5. Instant {$500.00} USD will be credited into your Zelle account.

N/B- If you have any further questions, kindly send reply to this email. This mailbox is monitored and you will receive a response as soon as possible. 

Thank you for using zelle ZELLE CUSTOMER CARE I sent him XXXX $ and then I received another email : Zelle Logo This is to inform you that your pending payment of {$500.00} USD has been processed and approved and will be credited into your account soon. 
In order to get the total money credited into your account today you have to pay a certificate fee of {$1000.00} USD The certificate fee represents the approval and insurance of your funds. 


XXXX  XXXX XXXX. 

Note : The Certificate Fee will be added to your pending funds and you will be credited with the sum of {$1500.00} USD Below Is The Instructions : Youre required to send the certificate fee to our agent Zelle information.Take a clear picture/screenshot of the payment once effected & reply to this email. 


{$1000.00} USD TOTAL SUM : {$1500.00} USD Then I realised that this is a scam and immediately reported to my bank. They asked me to contact zelle but even they are not helping me on this issue. 

I lost XXXX $ in total.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received my Tax return amended I've received its on XX/XX/2022 the check was issued on the XX/XX/2022 I made a checking account online with citi bank. They put my account on blocked and kept my funds. I've called for many days back to back stayed on hold for 3 hours plus just to hear them say call again tomorrow or we can't help you. It's the XX/XX/2022 and I haven't been able to get my money. I received email for my account saying they received my deposit but won't give me my money. The check was for XXXX they gave me the XXXX cents to my account but kept the XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I disputed the amount 2 years ago because ( XXXX/AdAstra ) they reported it during COVID when I was having financial issues and I had told them that. 

They then went and debited my account for this money in full ( {$3500.00} ), but it caused me to overdraft and then the money was reversed and I was charged an overdraft fee. I had to close that account and bank elsewhere. That was also illegal. But they did it. We had no food. I communicated my situation and then they overdraft me causing me more money loss and hardship in the middle of COVID.

They did this without consent and billed my old debit card for 2 accounts. One went through for a few hundred dollars. This one did not. They did not have consent on either. I had PAID this off in interest too. But the interest rate was SO HIGH it wasn't going down. So, they are really not out any money. It's predatory lending. 

Each MONTH they update the old debt and make it look like it is a current late payment. It shows this under " status date '' and " balance date '' and each month on the XXXX it is reported LATE again and AGAIN. I disputed it and they did it again. 
They won't stop. It's illegal and reading my debt. It makes this old debt look like NEW DEBT and it hits my score again and again each month. 

It has damaged my credit and this is OLD. It's NOT NEW It caused me to not be able to take out a Federal Parent Plus Loan, this past month for my for my daughter 's education because they have reported monthly to the credit bureau like it's a payment I miss montly, Federal loans say you can not have any new collections in 2 years. This was years ago but they have re-aged the account. They keep re-aging the account. 

Finally, just a few months ago they had to put the original date on the credit report. But still report monthly like it's a late account. This is OLD DEBT. And when they report late each month its doesn't matter they show XX/XX/2019 because it is still reported each 4 weeks to the bureaus. I have nothing else derogatory on my credit so because of this my scores won't go able XXXX. It is so upsetting. 

This is against Fair Debt Collection Act and illegal. Additionally, they call my cell when I told them to not call again. Most recently they have twice, again after I disputed this again with XXXX. They said they debt was current and it is not. It should be uncollectible as it is now too old. I live in CA. They have the wrong date also on this. It was earlier than XX/XX/2019. 

They should not be able to report to credit bureaus. They had my e-mail and have only been calling despite me telling them to never call again. I have screenshot of one of recent calls from a XXXX number after XXXX XXXX at night. It is harassment and they have raged my account monthly for 24 MONTHS since they started reporting this!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Unverified accounts was not investigated. 

XXXX XXXX : unverified XXXX XXXX : unverified XXXX XXXX : unverified XXXX XXXX XXXX XXXX : unverified XXXX XXXX  : unverified

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 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Colony Brands, Inc.
State: WI

Complaint narrative:
On XX/XX/2021, Seventh Ave made a hard inquiry on my XXXX  credit report. This was not authorized by me.

Company response to consumer: Closed with explanation