vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: CO

Complaint narrative:
I have continued to get calls even after repeated attempts to show this debt is not mine and that I have never lived at the address they are saying I owe an electric bill for, I have provided police reports and copies of my id, when I request validation they have nothing with my signature or id, anyone could have done this account as the company allows start of service online with no verification.

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 2023-04-02 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had my identity stolen and I have unauthorized and fraud and false information in my credit report and I need it removed from my credit report I have contacted the companys and they cant provide written documentation that I signed for any of the inquiries that is showing up on my credit report

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 2023-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC.
State: WA

Complaint narrative:
On or around XX/XX/XXXX I received an advertisement for up to {$300.00} for opening a checking account and completing some basic requirements from Axos. I completed the requirements, and never received the promised {$300.00}. 

The requirements included using the code XXXX and sending {$7000.00} or more in direct deposits shortly after opening the account. I believe I have done so, and have not received any indication from the company why this bonus was not deposited automatically 90 days after meeting the requirements, and indicated by the XXXX. 

I have asked via voicemail ( XX/XX/XXXX ) message ( XX/XX/XXXX, XXXX ) but they have not seriously reviewed my request and in fact, only responded to one of the messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: CT

Complaint narrative:
I am a user of Google Pay, an online wallet for credit cards to make payments through apps or other online transactions. Last XXXX someone hacked into my Google account and used my Google Pay account to purchase 12 Google XXXX  phones. The fraudulent charges totaled {$11000.00}. This was done using a stored XXXX issued credit card. Once I learned about this I immediately reported it to XXXX and I filed a police report with my local police department. XXXX took almost three months to resolve the issue and I had called them many times to get the fraudulent charges removed. In the meantime, Google kept suspending my Google Pay account and I had to keep calling them to get it reinstated ( which is very difficult to do since they make it hard to find a phone number call ). Now they have suspended my account and although I have called, they still haven't reinstated it and it has been over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: CO

Complaint narrative:
Years ago I was contacted by XXXX XXXX stating that I owed a past due amount for alarm services in XXXX Texas, I told them I have never lived in Texas and filed a police report and FTC report for the debt, then in XX/XX/2023 I am informed that XXXX sold the debt to Zion Debt Holdings I contacted them told them that I had furnished police reports to Vivant and that this was not my debt that I had never lived there, and they stated well we will see if you pay when we place it on your credit which they have done. 

This is not my debt and I have never lived in XXXX Texas

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2023-04-02 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2023-04-02 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:
I asked for the credit bureaus to verify accuracies of what they were reporting and they claim it is all correct. Upon further research on my end, there are some invalid information. 

In accordance with the Fair Credit Reporting Act XXXX Acct # 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 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 2023-04-02 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: GA

Complaint narrative:
I contacted the credit bureaus to ask for them to verify all accounts on my credit file. They stated that all is accurate. Upon further research on my part, there are some invalid information. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # 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 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 2023-04-02 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:
I contacted the credit bureaus to ask for them to verify all accounts on my credit file. They stated that all is accurate. Upon further research on my part, there are some invalid information. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Acct # 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 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 2023-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
usaa removed fundes from my account alledged it went mortgage payment but it didn't in the process i am beimg forclosed on brcause the mortgage ha n't been paid but the funds left my account each mounth the fund werein some cases reversed why and why wasn't i notifyied are charge a return fee how could did this happen n since the va payment came monthly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-04-02 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: FL

Complaint narrative:
In accordance with the Fair Crediting 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 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 2023-04-02 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: GA

Complaint narrative:
I asked for the credit bureaus to verify accuracies of what they were reporting and they claim it is all correct. Upon further research on my end, there are some invalid information. 

In accordance with the Fair Credit Reporting Act XXXX Acct # 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 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 2023-04-02 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:
I asked for the credit bureaus to verify accuracies of what they were reporting and they claim it is all correct. Upon further research on my end, there are some invalid information. 

In accordance with the Fair Credit Reporting Act XXXX Acct # 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 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 2023-04-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 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:
I contacted the credit bureaus to ask for them to verify all accounts on my credit file. They stated that all is accurate. Upon further research on my part, there are some invalid information. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Acct # 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 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 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
company has discharged this debt. I attached proof. I asked the company on XX/XX/2023 to send me my copy of my 1099c. I attached proof to this letter. company has refused to send the 1099c. as per the IRS instruction : If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form 1040 or1040-SR. I attached the IRS form as well. company is still reporting this discharged debt to my consumer report. you can not report income to an consumer report as per the IRS guidelines. Company sold my personal information without my permission to a third party who can not legally collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
company has discharged this debt. I attached proof. I asked the company on XXXX/2023 to send me my copy of my 1099c. I attached proof to this letter. company has refused to send the 1099c. as per the IRS instruction : If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form 1040 or1040-SR. I attached the IRS form as well. company is still reporting this discharged debt to my consumer report. you can not report income to an consumer report as per the IRS guidelines. Company sold my personal information without my permission to a third party who can not legally collect in my state.

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 2023-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
I'm a XXXX XXXX XXXX and I was approached by an " investor '' who worked in Crypto Currency, who claimed to have $ XXXX to invest in a rental property. The first communication was via a phone call then after that it was all through XXXX. 
He said that he worked with a network of investors around the world with account balances in excess of $ XXXX and they all worked together to trade simultaneously and move the market. I tried investing {$1000.00}. I sent it to Coinbase via wire and there it was exchanged for crypto currency and from there it was transferred to a Coinbase Wallet where an exchange named XXXX was accessed through a " Wallet Login ''. The first investment went so well that I decided to invest more $ XXXX and of course the gains were astounding. At that point I told him that I needed to be able to withdrawal funds and of course he helped me with that. This went on for a while to the point where I had invested app $ XXXX. My account balance at that point was {>= $1,000,000}. He directed me into a trade for $ XXXX and it happened very quickly. I made the trade and at that point he called me right away to say I had to deposit another $ XXXX to protect the option trade. I told him that wasn't possible and we would just have to wait until the trade closed in 48hrs to see what happens. At that point he deposited $ XXXX into my account to boost the balance to $ XXXX. Just before the trade was set to expire, he called me and again he tried to get me to deposit an additional $ XXXX and or trade at least the last $ XXXX in my account and I told him no I was done. 
The trade finished and of course it was bad and I lost the $ XXXX. In retro spec I'm certain that the XXXX trading platform was fictitious and there were never any real trades made. 
The next step was to try to withdrawal the remaining $ XXXX in my account. I submitted a withdrawal request with XXXX and waited for about 4 hours then I contacted their tech support through the app. The response I received was that since this was the first large withdrawal from my account I had to provide a 20 % deposit to " prove funds '' within 3 days or my funds would be frozen on the block chain for 90days. I was desperate for the funds so I made the deposit. At that point they said I was number XXXX in the que for withdrawals and I had to be patient ... of course for a fee of $ XXXX I could achieve super account status and receive my withdrawal in 15 mins. I did not make the final $ XXXX deposit it became obvious at that point that it was a total scam. I have screen shots of all of this that I am glad to share. This was an amazingly well organized scam. I lost $ XXXX ... ..my life 's savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Submitted a request to investigate collection account XXXX XXXX as accurate. Investigation resulted in verified as accurate. Upon pulling previous reports the DOLA as changed several times illegally on this account. Per FCRA laws this is illegally re-aging the account. There has been no activity made on this account yet the DOLA had been changed several times. Also the DOLA is showing 3 different dates across each bureau. The credit bureaus are required to report correct information on my credit report.

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