vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 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: NC

Complaint narrative:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2021 ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XX/XX/2021 ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$52.00} XXXX XXXX XXXX XXXX Balance : {$620.00} ; XXXX XXXXXXXX Balance : {$830.00} ; XXXX  XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$370.00} ; XXXX  ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$59.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$90.00} ; ( Original XXXX XXXX XXXX XXXX XXXX Balance : {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: FL

Complaint narrative:
I have had XXXX XXXX XXXX from XXXX To which I was XXXX  for months and not paying attention to credit alerts about data breaches and my information on dark web I have also been victim of Identity theft I reported several times but these items are on my credit and affecting my credit score I did not authorize these inquiries on my credit and it's so many to count my information is incorrect and this information being reported is inaccurate and misleading this does not accurately report my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: FL

Complaint narrative:
I have had XXXX XXXX XXXX from XXXX To which I was XXXX for months and not paying attention to credit alerts about data breaches and my information on dark web I have also been victim of Identity theft I reported several times but these items are on my credit and affecting my credit score I did not authorize these inquiries on my credit and it's so many to count my information is incorrect and this information being reported is inaccurate and misleading this does not accurately report my credit

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 2022-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: GA

Complaint narrative:
AMERICOLLECT INC IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND AMERICOLLECT INC IS STILL TRYING TO COLLECT.I even submitted a cease and desist. i Attach the letter too and they could not provide the promiSsory note of this alleged debt. AMERICOLLECT INC is in violation of 12 CFR 1022.41 ( d ) integrity. i Need this account DELETED now!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX  ( Date opened XX/XX/XXXX, Balance {$340.00} ), XXXX XXXX XXXX XXXXXXXX XXXX ( Date opened XX/XX/XXXX, Credit limit {$3000.00} ), SXXXX XXXX  XXXX XXXX opened XX/XX/XXXX, Credit limit {$100.00} ), XXXX XXXX ( Date XXXX XX/XX/XXXX, Credit limit {$100.00} ), XXXX XXXX XXXX  ( XXXX XXXX XX/XX/XXXX, Credit limit {$800.00} ), XXXX ( Date opened XX/XX/XXXX, Original amount {$1500.00} ), XXXX XXXX XXXX XXXX  ( Date opened XXXX XXXX XXXX XXXX XXXX Balance {$810.00}, Original creditor XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXXXXXX ( Date opened XX/XX/XXXX XXXX Balance {$1300.00}, Original creditor XXXX XXXX XXXX  ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
CONVERGENT OUTSOURCING IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND CONVERGENT OUTSOURCING IS STILL TRYING TO COLLECT.I even submitted a cease and desist. i Attach the letter too and they could not provide the promiSsory note of this alleged debt. CONVERGENT OUTSOURCING is in violation of 12 CFR 1022.41 ( d ) integrity. i Need this account DELETED now!

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 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OR

Complaint narrative:
" Reported : XXXX CHIME FINANCIAL INC, CHIME INC reported IDENTITY FRAUD DISPUTE as INCORRECT, FRAUD/DISPUTE Account Number Ending In : XXXX '' " Claim ID : XXXX, XXXX Claim Amt : {$3400.00}, {$5100.00} Dispute no accredited XXXX '' " XXXX submitted 1099a through IRS to CHIME INC as beneficiary XXXX : XXXX XXXX XXXX to settle the debt '' " XX/XX/2022 IRS accepted amount and instated transfer of credits '' " Hello XXXX XXXX XXXX XXXX This letter is to inform you that we have made a final determination regarding the claim referenced above. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX. 

Sincerely, Chime Disputes Team '' '' Chime Financial Inc. 
XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  these accounts DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, US DEPARTMENT OF EDU XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX and US DEPARTMENT OF EDU XXXX has XXXX XXXX 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 2022-05-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  these accounts DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, US DEPARTMENT OF EDU XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX and US DEPARTMENT OF EDU 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 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America - check was cashed by another individual that was made our to me. Bank of America has had this check under investigation for 4 months now. Check was cashed in XX/XX/2022 check # XXXX in the amount of {$32000.00}. I faxed a formal complaint on XX/XX/2022. They still have not retrieved my money but have taken the money out of the other persons account. Bank of America has unlawful held my money for 3 months now.

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 2022-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
XXXX contacted me to state that I had opened an account under my XXXX name ( XXXX ) at an address close to one I had lived in years before-but not the exact address. I have been using my married name for over 13 years and the account was opened after I was married and using the name XXXX. I told XXXX I did not open the account and told them that the address was incorrect as well as in my maiden name. I was told it was all set however I have recently received letters from XXXX collection agency stating that they bought the paypal debt and were looking to collect. I told them the same information and asked them to verify the account. The original account was never put on my credit report, nor has the current account, yet. 
This account was open fraudulently.

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 2022-05-18 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 — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CBNA XXXX XXXX DPT EDXXXX XX/XX/22 RE. We have disputed these accounts.

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 2022-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I opened a chime account on XX/XX/2022. XXXX $ was sent to the account and immediately after the transfer went through they locked my account and said that it was suspicious activity and they wanted me to prove my identity they asked for several documentations which I provided still to this day I have not received any type of email from them saying if they were going to unfreeze my account or not I've never received a check saying that they said that they would send if they did not unfreeze my account I called I spoke to supervisors on three occasions and they put me on hold and then hung up on me every time I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX  ( Date opened XX/XX/XXXX, Balance {$16000.00} )XXXX XXXX  XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$9800.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$27000.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$12000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc.
State: MA

Complaint narrative:
XXXX contacted me to state that I had opened an account under my XXXX name ( XXXX ) at an address close to one I had lived in years before-but not the exact address. I have been using my married name for over 13 years and the account was opened after I was married and using the name XXXX. I told XXXX I did not open the account and told them that the address was incorrect as well as in my maiden name. I was told it was all set however I have recently received letters from Unifin collection agency stating that they bought the XXXX debt and were looking to collect. I told them the same information and asked them to verify the account. The original account was never put on my credit report, nor has the current account, yet. 
This account was open fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, I XXXX XXXX requested to dispute these items on this list. On XX/XX/2022 I sent out letters to these companies to file disputes. Not only I have file a dispute on these items previously and nothing have been done. I will attempt to send another letter to them to file a dispute on these items. It seems like they open them and close them with out being reviewed with the supporting documents.

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 2022-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Thomas George Associates, Ltd.
State: OH

Complaint narrative:
I have received debt collection letter to validate on XXXX fromThomas George Associates LTD. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX requersting {$4300.00} and have 30 days to dispute. I responded on XX/XX/XXXX Certified mail requesting all document and signed contract and invoices include thier signed contract with original creditor. They failed to provide any documents and keep responding with same 30 days notice. Repeatedly almost every 15 days keep sending 30 days notice with same threaten information ignoring all my legal requests to send me any invoices or docmunet to verify debt. I have replaied back 8 Times requesting debit validation, and asked them to stop contact me. But they ignoring my right and all the legal process. I have asked them if they are licencesd in state of XXXX to collect debt and they ignoring any request.

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 2022-05-18 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: MARINER FINANCE, LLC
State: NJ

Complaint narrative:
I paid off my personal loan on XX/XX/XXXX I then went to XXXX 3x to get Mariner Finance to update my tradeline with XXXX and each time they cam back account has balance and still open. I called Creditor Mariner Finance @ XXXX to verify my account and they stated yes its closed and paid in full however we don't update any information until the next month. I said you are providing incorrect information to the credit bureau then. My account has been paid off since XX/XX/XXXX today is XX/XX/XXXX and the 3rd dispute has just been finished with XXXX and they are reporting acct still open and with a balance. When I asked mariner to send me something in writing I was told they can't the local branch will have to do it. This is unfair my acct is not still open nor does it have a balance and the simple fact that they are reporting fraudulent information to my credit report is a problem Mariner Finance acct # XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
The bank has charged me 4 overdraft fees when my account was never overdrawn. And refuse to give it back because of pending charges that have not gone through. This is the second time we have had this issue with Truist.

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 2022-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
XXXX XX/XX/2022 -- My renter XXXX XXXX sent me rent like he has done every month via cashapp -- for quite a substantial time. I logged into my $ XXXX cash app account and attempted to transfer the money to my newest account, since I was previously locked out of my old account due to my phone being stolen. I have done this same process for multiple months -- with absolutely no issue. My renter sends XXXX every month -- this month after a XXXX transaction posted to XXXX -- - {$430.00} was remaining in my account under $ XXXX. 

When I attempted to log into the account and send to my newest account -- Cash App signaled a " Suspecious Activity has been detected, your account has been locked for further review by a Cash App Support Member. '' So I opened a ticket requesting assistance -- as my monies to pay my rent are now locked down -- and the answer I get from Cash App for over 5 days now is : " '' Keeping your Cash App secure is our main priority, which means we have a variety of security measures in place to protect your account. 

Our security process reviews multiple data points in real-time to determine whether we can grant access to another account or balance. If anything appears out of the ordinary, we will not be able to grant access. 

I'm unable to manually override this decision or provide additional details, and no further action can be taken at this time. 

Thank you for contacting us! In the meantime, feel free to reply here if any other questions or concerns come up. I want to make sure we get everything taken care of. 

Regards, Cash App Support '' '' Meanwhile -- I have called and spoken on the phone with them twice -- I have verified my identity and verified any and all information on the account. Including All mailing addresses 's ever associated on the account -- The Bank Account attached to the Cash App profile -- Transactions - dates, times, amounts. 

And they refuse to provide me any assistance, or help me get my monies. I have now been served with an eviction notice because of this situation. I NEED HELP PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: FL

Complaint narrative:
In the month of XXXX, I submitted a dispute to Equifax in regards to a fraudulent items on my consumer credit report but only did I not hear back in regards to an update towards my dispute when contacting Equifax they stated that they had no information despite the fact of receiving my dispute via USPS mail certified. I am a victim of identity theft and this blatant disregard to my due process via the FCRA section 605B, included in my dispute over the fraudulent items was the following a copy of my current drivers license a copy, my official Social Security card, a copy of my current utility bill establishing identity and address as well as a copy of my FTC identity fraud affidavit. It is damaging enough to have been a victim of a data breach by one of the bureaus Equifax yet now that same Bureau is not acknowledging my dispute towards items they expose me of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 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: NJ

Complaint narrative:
Accounts on my report I do not recognize

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