vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-23 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: NV

Complaint narrative:
Im reporting to you that i am a victim of Identy Thief and possible fraud. On or about month of XX/XX/XXXX. I pulled my credit report to check for any Inaccuracies cause I'm trying to purchase a house. I notice that on my credit reports. My name is listed numerous times and also spelled incorrectly. And also addresses that i never lived at. I also notice the i have numerous unauthorized inquiries for Credit cards and Peronal loans. And some Auto loan inquiries. I called numerous times to dipute this. Also i mailed them letters to have them removed. I just found out that my informiation. NAME, SSN, ID NUMBER AND ADDRESS and AMONGST other information pertaining to me. Was involved in the Equifax data breach of XXXX also part of the XXXX data breach Of XX/XX/XXXX. As well as the XXXX breach So basically i am a victim of identity theft due to the information that was leaked from the 3 Credit Main Bureaus data breaches. Is there anything you can assist me with to have them remove the names and Inquiries That has been unauthorized. I have placed Security freezes and Fraud alerts on all my reports. Jus to start. THIS IS A BIG PART OF ME FILING FOR BANKRUPTCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: SC

Complaint narrative:
My phone was stolen and once I recovered my phone I noticed a unauthorized charge made on my account. I filed a dispute about this unauthorized transaction cashapp denied my dispute when I didnt even authorize this transaction. My phone was stolen and I have proof that I wasnt in possession of my phone when this transaction occurred. I already recontacted law enforcement to inform them that yall are allowing my money to be stolen from my account. I also contacted XXXX XXXX XXXX  and the other major companies to XXXX XXXXXXXX I will not give up on this complaint until I get my money back that was stolen from me. I will not give up on this complaint until I get my money back that was stolen from me, I will take this to court and XXXX yall if thats what it takes for me to get a refund for the unauthorized charge that was made on my account I will do whatever it takes. If you refund me for the unauthorized charge I will close the complaint and I wont take it to court. I filed a complaint against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. Based off the FCRA, the XXXX  account # XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, account # XXXX, XXXX XXXX, the fraudulent bankruptcies that have been filed XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX has violated my rights. These are items of identity theft the case numbers are as follows : U.S. Bankruptcy Courts | Bankruptcy | XXXX | XX/XX/XXXX, U.S. Bankruptcy Courts | Bankruptcy | XXXX | XX/XX/XXXX, and U.S. Bankruptcy Courts Bankrupto XXXX XXXX 15 USC 1681 602 A states that I have the right to privacy 15 USC 1681 I states that if an item is unverifiable it must be deleted 15 USC 1681 604 A section 2 states a consumer financial agency can not furnish an account without my consent.

If you have any questions or concerns I can be reached at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ

Complaint narrative:
Starting a follow up complaint to XXXX  in which Amerisave asked for proof that I had coverage in the period in question. Attached is the letter from my insurance company stating that as correct. 

I feel like I am being victimized like the folks in the article and further, being harassed and bullied into paying this fee. This is causing me a lot of anxiety... 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-amerisave-to-pay-19-3-million-for-bait-and-switch-mortgage-scheme/ Can you please just send me back the money you made me pay for a loan I didn't even have any more if you processed my payment correctly in XXXX? Worst part about this is your charging me for a period of time that has already passed and no one, other than your maybe affiliate ( maybe like one in the lawsuit ) are benefiting from your actions.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. Based off the FCRA, the XXXX account # XXXX, XXXX XXXX XXXX, XXXX XXXX, account # XXXX, XXXX XXXX, the fraudulent bankruptcies that have been filed XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX has violated my rights. These are items of identity theft the case numbers are as follows : U.S. Bankruptcy Courts | Bankruptcy | XXXX | XX/XX/XXXX, U.S. Bankruptcy Courts | Bankruptcy | XXXX | XX/XX/XXXX, and U.S. Bankruptcy Courts Bankrupto XXXX XXXX 15 USC 1681 602 A states that I have the right to privacy 15 USC 1681 I states that if an item is unverifiable it must be deleted 15 USC 1681 604 A section 2 states a consumer financial agency can not furnish an account without my consent. 

If you have any questions or concerns I can be reached at 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 non-monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
Well this company for years tried to collect an old expired debt and they kept calling and they would talk to my family members about my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
XX/XX/XXXX, XXXX - My whole purse was stolen from my car in front of my daughters XXXX  parking lot. XXXX started calling all my cards to stop fraudulent transactions from processing. 

XX/XX/XXXX, XXXX - Spoke with Money Network ( Economic Impact Payment ) to report card was stolen thru an automated system. 

XX/XX/XXXX, XXXX Cops were called to the scene and they have criminals on cameras from the school and ID on police report. 

XXXX Money Network sent me a replacement card but when they sent the card we realized the card had been used during the time of when my car was broken into for a total amount of {$2400.00}. At the time Money Network said they would send me a dispute form to fill out and send over with my supporting documents. Never received the form. Just the letter notifying us we were denied because we did not respond in a timely manner. 

XX/XX/XXXX - Received letter from Money Network saying we were denied due to the timing and card-present indicators of other recent transactions. 

Please keep in mind we have not used this card since we had received the money in XX/XX/XXXX till XX/XX/XXXX for a one time purchase. 

XX/XX/XXXX - called Money Network to find out what to do because we never received their form. So, they sent us the dispute form to fill out but to place APPEAL next to the date. 

XX/XX/XXXX - Received the Dispute form and sent in all supporting documents attached via email, us postal mail and by fax. They never received the emails neither the mail and only the fax which was now XX/XX/XXXX. 

Since I wasn't getting any sort of response from the appeal process I was told I should open a new case which was done XX/XX/XXXX - Disputed fraudulent charges that were not charged by myself or my wife. 

XX/XX/XXXX - Money Network has not contacted me in any manner to notify me if the appeal has been processed or investigating or denied. Or what the status is of the new case. I had to battle for XXXX hours to get someone on the phone to tell me my dispute was once again denied. 

Can someone please help me???? Help me in getting some answers I have all my supporting documentation so these criminals don't get away with my hard earned American money.

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 2023-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Google Compare Credit Cards Inc.

Complaint narrative:
Google Pay amount is not known as they blocked me from gpay, i asked them many times but still they didnt unblock it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: OH

Complaint narrative:
Report in the wrong address on my credit report still have it removed for hard inquiries, and affecting my credit Delete this account immediately unless you want to be held XXXX per violation XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-23 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: Valentine and Kebartas, Inc.
State: OH

Complaint narrative:
On XX/XX/2022 I contacted this company about this debt they have placed on my credit upon reaching out to them I clearly stated to them that this is not my debt of {$210.00} that been placed on my credit. The company said they purchased this account from XXXX XXXX for a bill I owed I ask for the proof of this bill they just stated I needed to pay the bill. I have contacted this company again who than stated their was cable on in my name that was at a address I did not resign at I provided them proof and they still refused to remove this off my credit I have disputed this and just keep receiving the same letter that states they did Investigation and will not remove this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: R & B Corporation of Virginia
State: OH

Complaint narrative:
On XX/XX/2022 I contacted this company about this debt they have placed on my credit upon reaching out to them I clearly stated to them that this is not my debt of {$210.00} that been placed on my credit. The company said they purchased this account from XXXX XXXX for a bill I owed I ask for the proof of this bill they just stated I needed to pay the bill. I have contacted this company again who than stated their was cable on in my name that was at a address I did not resign at I provided them proof and they still refused to remove this off my credit I have disputed this and just keep receiving the same letter that states they did Investigation and will not remove this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
XXXX. ) Credit CardXXXX XXXXXXXX XXXX  Open Acct XXXX XX/XX/XXXX. 3 yrs-4 mo. Balance- {$1000.00}. 
XXXX. ) Credit CardXXXX XXXX XXXX XXXX  XXXX XXXX XXXX Acct XXXX Open- XX/XX/XXXX. 2yrs- 4 mo. Balance {$1000.00}. 
XXXX. ) Credit Card XXXX. ) XXXX XXXX XXXX XXXX XXXX Open XXXX 2yrs- 4 mo. Balance- {$1000.00} These cards are all on my Credit Report from Portfolio Recovery A.

Single and getting XXXX  and off work struggling to pay and they wouldnt work with me and too many late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have an overall credit limit of {$65000.00} on my combined credit cards ( 10 ) with an overall 1 % credit utilization. However, I had a 30 % utilization on one of the cards, the total balance on all cards was {$960.00}. 
{$960.00} balance compared to a {$68000.00} limit, indicates utilization is less than 1percent. So, I was baffled when my credit score dropped XXXX XXXX both on Transunion 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 non-monetary relief
Consumer complaint received 2023-04-23 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 am a victim of fraud there are accounts on my report that were opened fraudulently that I am trying to get removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Possible Financial Inc
State: CA

Complaint narrative:
I took out an {$88.00} from possible finance and set up automatic installment payments to boost my credit. The payments were {$22.00}. They processed all but one payment automatically. I attempted to make a payment manually but I continued to receive a pop that stated to try again. This went on for a while. They then negatively reported the payment late to the credit bureaus and my credit score decreased by 56 points. 
I contacted them letting them know I attempted to make the payment but it was their system that failed. 
So here I am once again attempting to make a payment for the last {$22.00} and their system WONT take it. The message I get basically states to try again and apologizing for the inconvenience. 
This is a problem on their end. They have no phone, only an email. I emailed them about but receive no response. Yet they send me automatic emails stating my account is default. The reason why Im default is because THEIR system is faulty.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio recovery Associates have repeatedly called and harassed me regarding a debt Ive disputed several times and submitted information that I had identity theft and theyre still sending letters to me and harassing me while Im working calling at all hours of the day and night.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 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: NV

Complaint narrative:
I have an account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$850.00}.

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 explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
Ive been receiving phone calls from portfolio recovery for over the last two years. They will call me from numbers I will tell them to not call and they will call from a different number and I will tell them again to not call me back and they do from different numbers in state and out of state. They will call all hours of the day and night. I will block the number they called from and then they call me back on another number immediately. If I get a call from them and I ignore it they will call me back immediately again from another number. 
They also send me mail all they time in different formats of mail, letters, prize type award stylized letters

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear CFPB, I have had both personal and business accounts with Wells Fargo. Over 8 years ago, I had my named and association removed from the business accounts after I sold my business. These accounts appeared again on my WF online dashboard a couple of years later and I again, went to a local WF branch and had my name removed from these business accounts.

About 5 months ago, I closed my personal accounts with WF and was told that I still have business accounts with WF. Even though I was the one who created the business accounts and added a business partner later to the account, I was told it was their " policy '' is that only the business partner could remove my name. Again, I had previously had my name removed two times before. I contacted my former business partner and he was told by another WF branch that my name is not on the account, even though I was shown a screen at another WF branch that showed my name still on the accounts. By all evidence, my name has never been removed from these business accounts by WF.

After closing my personal accounts 5 months ago, I just received a change of address notice from WF stating that my address has been updated on my personal savings and checking accounts. I closed these personal WF accounts and now like the business accounts WF continues to associate my name with accounts that I have previously closed.

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 2023-04-23 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX has violated my rights. 15 u.s.c. 1681 section 602 A. States I have the right to privacy. 15 u.s.c. 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-04-23 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: NV

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$870.00}.

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 explanation
Consumer complaint received 2023-04-23 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: NV

Complaint narrative:
I have an account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$850.00}.

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 2023-04-23 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: NV

Complaint narrative:
I have an account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX : {$850.00}.

Company response to consumer: Closed with explanation