vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
There is an unidentified inquiry to XXXX XXXX made on XXXX ( overnight ) for a credit card with 0 months repayment terms that I did not make. XXXX is not seeing the report on their end, but it is clearly showing as a hard inquiry on my XXXX account affecting my XXXX  score. 

There is also another hard inquiry to Bank of America on XXXX that is showing as " unspecified ''. BofA also shows nothing on their end, but again, this is impacting my credit as a hard inquiry. 

My XXXX XXXX XXXX  account was hacked as well and there were two separate orders for around {$8000.00} dollars made by someone in XXXX Texas. This has been resolved with the store and the charges are being reversed. Address for the delivery of these items to the person who made the charges is XXXX XXXX XXXX, XXXX in XXXX XXXX TX XXXX and the phone number this person provided is XXXX My XXXX XXXX XXXX were also stolen and used to make Hotel reservations at the XXXX XXXX XXXX XXXX Alabama XXXX Guest name given on the reservation is XXXX XXXX. I have reported this to XXXX XXXX fraud department and they are sending a report for me to complete later today.

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 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I received a letter dated XX/XX/XXXX from XXXXXXXX XXXX, after applying to a credit card through Credit Karma. Credit Karma claimed that I was guaranteed for approval, or would receive a XXXX dollar payment for denial. The letter states that I need to call XXXXXXXX XXXX  to proceed with the application. XXXXXXXX XXXX  has treated me like a criminal in my two attempts to reach out to them via phone on XX/XX/XXXX. I called them at XXXXXXXX XXXX  Central time and XXXXXXXX XXXX on XX/XX/XXXX. The first agent was very rude and hostile on the phone and then hung up on me after I refused to text him a photo of my ID. I found this to be extremely concerning and the way I was being treated on the phone was unacceptable. I figured it was a fluke, so called back the second time at XXXXXXXX XXXX and spoke with a " XXXX '' on the phone who was also very snippy with me. At that point I asked for a supervisor, and " XXXX '' claimed no one was available and refused to allow me to hold for a supervisor and kept insisting " a supervisor will call you back. '' I do have a fraud alert on my report and always appreciate people trying to protect my credit and identity. I do not appreciate being treated in a hostile manner for being a crime victim and treated in a disrespectful and unprofessional manner. That is completely unacceptable. I think it is also outrageous that this sham company doesn't allow a customer to reach a supervisor when the call center is acting out on the customers and don't have the most rudimentary level of manners. Abusing people is not acceptable under any circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

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



Closed Accounts : XXXX XXXX  XXXX # XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  NJ XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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 REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person know
s or has reasonable cause to believe that the information is inaccurate.

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 non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am a victim of identity theft I am a victim of XXXX data breach i've added some documents of some of the damages being in identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am a victim of identity theft I am a victim of XXXX data breach i've added some documents of some of the damages being in identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Fidelity National Information Services, Inc. (FNIS)
State: IA

Complaint narrative:
I recently had to review my credit report again because I can not cash a check anywhere I have XXXX XXXX XXXX checks right now that I can not I can not obtain any money because of my credit score. So I obtained my reports from XXXX XXXX and XXXX. I had already filed the complaint about CHEX SYSTEMS and they're inexperienced to determine financial decisions yet financial institutions Trust them enough to rely on their score to determine whether a consumer is eligible for banking or not. But in my report from CHEX SYSTEM, it shows that I have hard inquiries through XXXXXXXX XXXX XXXX XXXX So if I open up a website such as XXXX XXXX that is going to be put onto my credit report as a hard inquiry because that's what it looks like cuz I did not apply for any credit cards or any financial loans all I wanted was my credit report and when I look at this report that check system sent me yesterday it shows that a hard acquired XXXX XXXXXXXX  through XXXX which is absolutely false

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 2023-11-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
This complaint concerns a home equity application to Nationstar/MrCooper during XXXX of 2023. 
We were taken through the process and submitted more and more documents along the way. 
During the process, due to changes in our terms and amounts,, or if I had a question, when I could not reach our primary advising representative, I attempted to contact that person 's manager ( as directed ), then that person 's manager, then that person 's manager, and so on. I was not able to reach any of these individuals, nor did they return any of my messages. When calling the last manager on the chain, the phone # was not even an active phone #, and was then directed to contact the standard customer service #. Very frustrating. 
After going through this process for roughly 6 weeks, we were abruptly told that since we were considered to have a " rural '' property, our loan amount was limited to {$15000.00} less than was previously agreed upon, while being required to pay an additional {$15000.00} just to get the loan. 
This obviously was not acceptable, and we believe this was done as a way of saying " we don't want to loan you the money. '' They were aware of our " rural '' address from the very beginning of the process, and this was never mentioned as being a concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
This should be posted as a criminal complaint Mailed ally a check on XX/XX/2022 in the amount of {$690.00}, and they swept it under the rug. On XX/XX/2022 our bank statements/ records show a withdrawal from ally ally payment in the amount of {$690.00} withdrawn from my account. I called ally numerous times, sent a few written letters requesting them to correct their defect and fix the mess they created, they knowingly and falsely reported me to the credit bureaus, with late charges to date, they deny that they withdraw that payment please note with the XXXX they have thousands of complaints of the same nature and lawsuits for criminal practices, THANK You FOR YOUR HELP Please note I had to take drastic action to protect myself and my family from ally again 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 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I submitted a deposit transfer on XX/XX/XXXX of {$250.00}. The transfer request says " we withdrew funds on XX/XX/XXXX and Ally did take this money from my other, non Ally savings account. Ally then closed my account, and refused my paycheck that I had set up for direct deposit. In late XXXX, XXXX a customer service rep said that this should not happen and that I would receive my paycheck. 

Now, on XX/XX/XXXX, I found the account was closed and I can't access my paycheck. I spoke with XXXX, and after multiple five minute gaps, she responded and basically said " we closed your account. '' No new info, and didn't seem to have read the chat with XXXX. She escalated to XXXX, who also wasn't able to help, but did assure me that I would NOT be receiving the {$200.00} account opening bonus -- but would I like her to submit a request to reopen my account ( which would take XXXX days and I wouldn't have my paycheck... ) At minimum, I think the transfer request of {$250.00} should have been blocked or not processed if the account will be closed. Thankfully I have other cash available, but for some people this could be a really big issue -- no paycheck and Ally even took additional money out of my savings. It would be different if the money was never withdrawn from my other account -- a little bit, but to close an account with a pending deposit ( and an upcoming paycheck deposit that XXXX acknowledged ) feels wrong.

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have several hard inquiries that I do not recognize a would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Millco Management
State: NC

Complaint narrative:
I, XXXX XXXX XXXX recently reviewed my XXXX credit report after receiving a notification of a new account on XXXX, XXXX  and immediately noticed a company called Amerifinancial Solutions LLC since changed name from XXXX which I did not recognize, give consent or any authorization. I also noticed on my credit report this line item : Loan Type : Collection Agency/Attorney. I immediately felt like I was under arrest and experienced feelings of distress and harassment. Next, I reached out to the company to validate the alleged amount owed, advised to cease and desist all collection activities until proof of validation, any contract or business associate agreement with original creditor, license to do business in my state and all account details of the transaction or alleged services received via certified mail delivered on XX/XX/. I also asked Amerifinancial Solutions LLC to confirm how they received my information. On XX/XX/XXXX I only received a letter from Amerifinancial Solutions LLC which stated XXXX XXXX XXXX, PA was their client and had provided a itemized statement. Amerifinancial Solutions LLC misrepresented a fictious client relationship and created a deception that XXXX XXXX XXXX PA is their client when in fact this alleged amount is not being pursued by the original creditor. Further, listing tradeline as an Attorney ( loan type ) when in fact there is no intent to pursue legally and creating further deception and representation. Other inaccuracies are present on my credit report as well. Further, Amerifinancial Solutions LLC did not confirm any HIPAA business associate agreement involving XXXX. Somehow they have falsely received detailed information about my health and medical history. Which I consider as identity theft, misrepresentation, deceptive and outright violations of the US code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
It has come to my attention that I have a bill with bon secours in the amount of {$240.00}. I have not received one bill from bon secours providing detailed information regarding this particular bill balance. This particular bill was bought to my attention by amcall systems which is a collection agency used by bon secours. I advised and call that I was not aware of this particular XXXX 's details and that I need it and itemized statement if I recall correctly they were going to send this particular XXXX back to XXXX XXXX. I am not sure if they did that or not but it doesn't seem they did because today I received a call from the CBE Group which is a different collection agency that apparently will sue those who have a debt. I advise the CBE group that I wasn't sure about this bill and I wanted an itemized statement, the representative advised she would put in a request for it but I also contacted XXXX XXXX directly to consult with them about this particular bill. According to the XXXX Representatives I spoke with they claim that statements were sent to me via mail from XXXX XXXX. I have received other bills from XXXX XXXX just fine but I have not received this bill and they are not willing to bring the bill out of collections to give me an opportunity to review the bill. As of moments ago they sent me a digital itemized statement of charges via mychart.mybox.com/mychart/billing/details. I have logged in to view both of those statements which are duplicates actually and they are not itemized the only thing on these XXXX statements is information regarding my patient details which are my name account number balance service date facility and Department along with my address. On the portion of the statement that shows charges the only thing it shows is the service date the REV.code, THE PROCEDURE CODE, THE DESCRIPTION, A QUANTITY, AND AMOUNT OF {$1000.00} AND THEN IT SHOWS PAYMENTS AND ADJUSTMENTS OF A PAYMENT DATE OF XX/XX/2022 WITH A DESCRIPTION NEXT TO THAT SAYING XXXX XXXX PAYMENTS IN THE AMOUNT OF {$260.00} AND UNDER THAT IT SHOWS INSURANCE ADJUSTMENTS MINUS {$510.00} PATIENT PAYMENT {$42.00} WITH A TOTAL PAYMENT AND ADJUSTMENT BALANCE OF {$820.00} IN ADJUSTMENTS LEAVING A OUTSTANDING INSURANCE BALANCE OF XXXX AND A CURRENT PATIENT BALANCE OF {$200.00}. THIS IS NOT AN ITEMIZED STATEMENT AND ITEMIZED STATEMENT SHOULD TELL ME EXACTLY WHAT THAT XXXX IS COMPRISED OF. I WANT TO KNOW EXACTLY WHAT I WAS CHARGED FOR IN THE EMERGENCY ROOM SO THAT I CAN CONFIRM THAT EVERYTHING IS ACCURATE AND XXXX XXXX IS NOT PROVIDING THAT. PLEASE EXCUSE THE CAPITAL LETTERS I DON'T KNOW WHY IT HAS DEFAULTED TO CAPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had a refrigerator from XXXX XXXX delivered on XX/XX/2023, It's defective, three service calls have been made on it. I don't want the product. 
I'm being forced to keep the defective product. ( {$1800.00} ).

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Equifax sent me updated credit report stating that fraudulent inquiries had been deleted from my report, yet they still appear or were reinserted. Either way they are still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
i request these inquiries are deleted on my credit report 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 explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
6 days ago on XX/XX/2023, I was attempting to transfer money from my CashApp Account to my XXXX bank account. When I entered the letters XXXX into my phone, the icon of my XXXX Bank showed up. I clicked it and entered {$1200.00} to transfer to that addressXXXX XXXX account. A short period later, I received a message stating 'Failed Attempt/retry ''. I clicked that, thinking that there was an error in my transfer request. Then I called my XXXX bank to see if the funds were received, and, of course, those funds were not only received but were also not even pending. So, I called Cash App immediately to inform them of the issue and see if the transactions could be reversed. They talked me through the procedure but said that it was up to the payee/scammer to refund those payments that were made. I gave Cash App all of the information regarding the 2 transactions, and they said that there was nothing else that they could do at that time. I called them today, nearly 24 hours later to check the status of the scam report, but they again said that there is nothing that they can do. This scammer is still active on the Cash App account because he denied my refund request. I have screen shoots of all activity if/when needed. Thank you, XXXX XXXX ( XXXX ) XXXX # deaneiden on Cash App. The 'business'/person that received and scammed me of the money is CashApp account XXXX XXXX And he uses the XXXX Logo on his profile.

Company response to consumer: Closed with explanation