vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRSTBANK
State: CO

Complaint narrative:
Hello On XX/XX/XXXX I notice a charge on my account for XXXX from a company name XXXX  I called the bank and they told me they couldn't tell me where it was coming from I did tell them that my car had been stolen a couple of days before and they told me they could cancel the card but I told them I need to get lunch and I was going to be able to use it if they cancel it. so the lady from the bank told me I can freeze the card and un freeze it so that I could use it which I did. At lunch I went to XXXX to get me something to eat I spend {$3.00} and unfroze my card for that purchased, when I came back to my desk to eat I login to freeze my card again and that's when I noticed it had just been use at XXXX for the amount of {$190.00} I called the bank immediately and they cancel my card. Today XX/XX/XXXX I got a letter letting me know that my claim had been denied due to their investigation showing that I was the one that had done the XXXX purchase I told her that was not me if I had done so I would of not be calling I told her to check the XXXX cameras and to prove to me that I was the one using the card and she said the I can go to the police since I had already file a report on my stolen car and figure it out on my own. I'm very disappointed it with my bank they can look at the history of my XXXX purchases I never bought this much on one transaction I've been a customer for over 10 years

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-05 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: SC

Complaint narrative:
Unfair reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
I received an email receipt from XXXX coat factory in XXXX  ( I reside in XXXX XXXX ) and it was paid with a store credit card. I also received an email from XXXX saying there was an inquiry on my credit. I called the XXXX credit card number and they are closing the card. I called XXXX  and they are submitting a claim as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I am a victim of identity theft and Chex Systems has a current police report on file with my Chex Systems Consumer Report ID : XXXX. All the reported information and inquiries viewed by others from XXXX XXXX to XX/XX/XXXX currently listed on my Chex Systems Consumer Report ID : XXXX is fraudulent and unauthorized inquiries viewed by others. I have not applied for any checking or savings accounts with any bank or credit union. The credit inquiries from XX/XX/XXXX to XX/XX/XXXX is not my inquiries viewed by others or reported information. The reported information of me having a previous checking account with XXXX XXXXXXXX XXXX  and XXXX XXXX is inaccurate and fraudulent checking accounts. I have never applied for or had any checking account with XXXX XXXXXXXX XXXX or XXXXXXXX XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XX/XX/XXXX ; Wells Fargo withdrew XXXX from my personal checking account XX/XX/XXXX ; Wells Fargo withdrew XXXX from my daughter 's personal checking account This was based on... 

XX/XX/XXXX ; my partners in XXXX XXXX XXXX ; opened a Line of Credit without my information since I left the company and was working for another employer XX/XX/XXXX ; XXXX XXXX,, CEO of XXXX XXXX XXXX ; requested settlement of the Line of Credit XX/XX/XXXX ; I came back to XXXX XXXX XXXX to shut down the organization ; requested Wells Fargo Compliance to review the fraudulent Line of Credit account since I never signed the agreement; this is when I discovered someone applied my electronic signature, so I requested a log of how this electronic signature was obtained. 

XX/XX/XXXX ; XXXX XXXX XXXX received noticed from compliance that the LOC was closed ; and they sent a check to XXXX XXXX XXXX for the inconvenience regarding this matter XX/XX/XXXX, I requested that the LOC be written off the books for XXXX XXXX XXXX since this smatter was settled XX/XX/XXXX ; I shut down the XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX, I received settlement letters from Wells Fargo for the Line of Credit for {$5000.00} ; I ignored based on the understanding this matter was closed XX/XX/XXXX, I received a letter from Wells Fargo collections XX/XX/XXXX ; I requested a review of this matter ; Wells Fargo told me to get legal representation XX/XX/XXXX until XX/XX/XXXX ; I tried to find someone to help and did not know where to begin to request help; until I heard about consumerfinance.gov on the radio

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 2022-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
XX/XX/22 a fraudulent hard inquiry was made on my behalf for a credit card at Target. I was notified via email and immediately called Target and submitted a dispute on XXXX. Target saw no account opened, but assured me that they would send communication to XXXX, indicating that it was a fraudulent inquiry. I also placed a freeze on my credit report with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05 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: SC

Complaint narrative:
I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

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 2022-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: EQUITY LOANS LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, my realtor has given me XXXX XXXX at Equity Prime Mortgage to apply for a loan. Knowing that the interest rates are on the rise, after the pre-approval process which happened exactly on the same day, I have repeatedly asked her to lock in the interest rate through phone calls, messages, emails. I even spoke with her realtor friend and the loan processor to lock in the rate. She completely ignored my requests. On XX/XX/XXXX, just 10 days from closing on the loan. She contacted me that in order to lock in the promised rate I have to pay over {$14000.00} in " points '' purchase. I still have every single message and proof that I have contacted her to lock in the rate. Needless to say I walked away and decided to go with another company that charged me half the price but at a higher interest rate. 

When I logged in to get the disclosure documents I electronically signed I found documents that I have never seen before. She has fraudulently, signed ELECTRONICALLY I have agreed to float my interest rates up to closing date. 
If I'm the one who begged her to lock in the rate, how did I sign this? It's because she did.

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 2022-12-05 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 — Problem with personal statement of dispute
Company: Designed Receivable Solutions, Inc.
State: AL

Complaint narrative:
DESIGNED RECEIVABLE SOLUTION- REPORTING INACCURATE INFO. 
VILOATIONS OF HIPPA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-12-05 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: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$820.00} written off. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX - Status Paid in settlement. {$10.00} FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$690.00} Status Open. 

FCRA violations : inquires not mine XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, XXXX XXXXXXXX FCRA violations : not my names 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 2022-12-05 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: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$820.00} written off. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX XXXX - Status Paid in settlement. {$10.00} FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$690.00} Status Open. 

FCRA violations : inquires not mine XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FCRA violations : not my names XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
In accordance with the Fair Credit reporting Act 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: ERC
State: VA

Complaint narrative:
In accordance with the Fair Credit reporting Act 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a letter from Kohls stating there was an issue with my credit card. I don't have or never applied for a Kohls account. I check my credit statements on XXXX and there appears to be an account opened without my approval on XX/XX/2022. This is a fraudulant account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05 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: SC

Complaint narrative:
I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

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 2022-12-05 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: SC

Complaint narrative:
I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Statement Due Date of XX/XX/XXXX, for New Balance of {$400.00}. 
1. Actual charges on statement are {$97.00}.

2. No other charges are listed.

3. XXXX through XXXX Statements ALL have been paid on time. I have ALL Statements for XXXX, and NONE list any Fees, Late Charges, interest, and ALL show NO " Past Due Amounts. '' I always pay the FULL AMOUNT to avoid interest. 
4. I have my XXXX XXXX 's Statements showing ALL checks were deposited/cashed by Chase Card Services .

5. I telephoned Chase Customer Service, XXXX times today, XXXX XXXX. I was disconnected by a " XXXX '' after the usual virtual " Customer No Service. '' Next call, I got thru the virtual no help, to a " XXXX. '' After explaining the problem, she transferred me to a Supervisor. While on hold, I was again disconnected. 
6. Since this is a " Slam Dunk '' mistake on Chase, one has to wonder if they are " skimming/Embezzling/ or outright Fraud as XXXX XXXX did ?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pioneer Capital Solutions Inc
State: GA

Complaint narrative:
I do not owe anything to this company. I have not sign any contract with them. 
I am a consumer and this is illegal. This is a medical bill and my right have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
Back around XX/XX/2021 - XX/XX/2021 Oportun opened an account / Credit card fraudulently. I did not authorize this account to be opened, and I did not receive any credit cards from this company. I advised the company several times now, I did not open this account and I did not authorize this account. I did not authorize any applications. I did not sign any applications, I did not receive a card, and I have not received any monetary transactions from said account 's. Every month Oportun continues to report this card on my credit file. Oportun admitted to opening the account without clearing my extended fraud victim statement on my credit file. I do not own the phone number XXXX. Which they stated was used to open the account. The phone number has been shut down due to identity theft. I have not made payment 's on this account. I have not received a single card for this account, and Oportun can not provide proof I signed any applications for the account. I did not sign anything, and I do not owe a debt that was opened from a thief / identity fraudster. Oportun was provided with an FTC Identity Theft Affidavit they chose to ignore. This account is not authorized, and I do not owe the debt on this account. Oportun has no proof tying me to this account, and Oportun never contacted me about this account. According to my credit file this was opened on XX/XX/2021 by a fraudster. Oportun did not verify the account, and did not send me a card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I XXXX XXXX partake in a consumer credit transaction on XX/XX/22 and XXXX/XXXX/202. The first response was that the information was verified, but no method of verification was provided. So I made a second attempt and got no response at all which are violations of my consumer rights. Violations are but not limited, 15 u.s.c 1692 ( g ) validation of debt, 15 u.s.c 1692 ( a ), 15 u.s.c 1692 ( e ). Letters were sent out to XXXX, XXXX, XXXX,

Company response to consumer: Closed with explanation