vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting 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:
I was a victim of identity theft, I have sent multiple disputes challenging the inaccuracies of the information listed on my credit report. The credit Reporting Agencies have Refused to Removed fraudulent accounts. I have attached Police Report and most recent Disputes along with a Notice of Intent to Sue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am unaware of this debt. I did not have the opportunity to dispute this debt. If you believe this is my debt, please provide me with a copy of the certified mail letter with my signature showing that I received this debt. 

In addition, during my conversation with a customer service representative, she stated that the company purchased my debt from XXXX XXXX without my authorization. I did not give this company authorization to purchase my social security number and report negative debt to the credit bureaus. Per the FCRA, it is illegal to purchase someone's social security number and use it negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SLM CORPORATION
State: MS

Complaint narrative:
I got a call from a company on XX/XX/2024 about something that I did not do. so I checked my credit report and found a few inquires on it that i did not authorize. this being one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been contacting Experian for about XXXX years to correct a minor error in my current address, through multiple phone calls and postal mails. They acknowledged the mistakes every time, agreed to fix them, and processed them in the dispute center, but the issue was never truly resolved. This back-and-forth process has occurred about XXXX times over the past few years, which is entirely unacceptable.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity.

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 2024-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Truist Bank Legal Dept. 
XXXX XXXX XXXX XXXX, VA XXXX I am filing a complaint against two employees from two different branches for denying me enrollment in ACH and wire transfer services for a business account I had opened. On XX/XX/24 I went to your XXXX branch located at XXXX XXXX XXXX, XXXX, Md. XXXX. I met with a XXXX XXXX who told me I had to wait a 30 day period or so. 

On XX/XX/24 I went to your branch located at XXXX XXXX XXXX, XXXX, Md. XXXX. I met with a XXXX XXXX. He told me I had to speak with the back office and he would contact them to give them my information to contact me. That never happened. I have come to the conclusionTruist bank does whats called PROFILING.

I feel insulted for being turned down for enrollment, for the way I look! 

On XX/XX/24 I decided to call your customer service department and they told me all I had to do is go into a branch and provide the proper ID and I can enroll in your ACH and wire transfer services. She asked about the branches I went to and I told her I went to the XXXX branch and she called the branch to inquire about who I met with and XXXX XXXX didn't remember me. I made a deposit with her as she said I needed to do. 

XXXX XXXX XXXX XXXX XXXX acct # : 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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting 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 submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with Equifax, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, Equifax has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that Equifax takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proofofmyidentity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
On XX/XX/XXXX, I received a debt collection bill from TSI regarding a medical debt way back from XX/XX/XXXX. This medical debt is not mine and it may be a result of ID theft. Ever since XXXX, our family have been a low-income family with Medicaid and food stamp assistance from the state. With 0 copay Medicaid, the medical debt could never occur because XXXX would cover everything. In addition, I have never been to hospital for any emergency for over 10 years. I have no idea who they saw in the hospital and I have no idea why the bill comes due 4 years later. Anyway, my family doctor and the XXXX  can testify for me that I have been using the Medicaid with no copay ever since XX/XX/XXXX. XXXX XXXX card and records can also prove that we have been using Medicaid from XXXX. Ultimately, the attached letter from XXXX and people in XXXX department can testify for us that we have been a low income family with Medicaid and food stamp ever since XXXX. In addition, we have been using WIC for low income family ever since XXXX. Also, we just renewed our Medicaid this year. Nothing to be proud of, but we think it is solid proof that the debt can not be mine because I have Medicaid with no copay. With that, medical care would come with no cost if I present my insurance card or my benefit letter. Or I can even claim it later with XXXX. There is no reason I would not use Medicaid and bite the bullet to pay the bill. It would not help me and my financial situation. In brief, this medical debt is not mine because I have Medicaid with no copay and I have never been to a XXXX emergency for over 10 years. 

When I contacted the collection company, they kept insisted that the debt is mine and they showed no interest in working together for a fair solution. Please help us out with resolving this unfair debt. With our current low income, this can create a difficulty in our financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My brother died on XXXX. We notified Citibank estate services where he had a checking and savings account. They gave us instructions and documents that we had to fill out and notarize. We ( my cousin is also a trustee ) were told that everything was in order as of XXXX. They even returned the original death certificate to us in the beginning of XXXX. We have called them at least 6 times. Every time we have called since XXXX, we were told that the back office is working on it and everything is in order and we will get the funds within a few weeks. Today, XX/XX/24, we are were told that the back office needs more documentation to be notarized. 

In the meantime, the estate has a lot of creditors that are demanding their money and we need to file his income taxes as they are due in a month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Financial Business and Consumer Solutions.
State: CA

Complaint narrative:
I keep getting calls from what I think is a scammer. They call my family members, cell phone, and place of employment. They say they are taking legal action and to calm them to resolve it before escalation. The number they called from is XXXX but they say to call XXXX. Theyve called for the last week and wont stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I created a PayPal account for my business invoices too keep a paper trail of the invoices I create and I kept a card saved to the PayPal account, unfortunately my PayPal account was compromised and whoever accessed it spent a total of {$710.00} with the card I had saved on the PayPal account. I contacted PayPal to dispute this transaction because it was unauthorized, the customer service representative I spoke with in the dispute department was able to go in and further review my dispute while on the phone with me along with the said transaction and deemed that the transaction was fraudulent because she seen the address that the person used was not my address. She assured me that my money would be returned to me within 5 business days but no sooner then I got off the phone with her I got an email from PayPal that they investigated the dispute and concurred that no error occurred and insult of me filing a dispute they permanently suspended my PayPal account which I feel is a form of retaliation and absolutely unfair, anyone that has money stolen from them will file a dispute that is the lawful thing to do. Furthermore I received an email from XXXX from the executive team which is the person that took it upon herself to permanently suspend my account because I filed a dispute that my money was stolen from me via PayPal platform. She also went on to say that she feel the transaction is not fraudulent and because of that I would not be receiving a refund. I was still able to contact PayPal dispute department and have them appeal this decision because it is Indeed fraudulent, and the non matching address should further prove that. But I am filing a complaint due to the derogatory treatment I have received from PayPal all because I filed a dispute. Which is my right, I feel I was retaliated against in the most predatory manner, and I want to make the type of business PayPal conducts known, along with the type of fraudulent behavior they condone in their platform, I am hoping with the appeal that I have made I am refunded my money or I will be taking this matter to the media and if needed a litigation. 

XXXX XXXX XXXX Theyre two different case numbers because the first one is the fraudulent case that was denied and when I called back to speak with a representative they informed that they would have to change the dispute type to get it appealed which generated a new case number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
On XX/XX/2024 I advised titlemax that they need to stop there harassment and threatening tactics in collect a debt owed on an auto loan. I advised I was unable to pay and on a recorded line I was told that I had no right to stop communication from them and they would call as much as they wanted and as frequently as they want with absolutely no consequence. And they were going to make me pay this debt back. This has to be illegal and highly unprofessional at least a violation of my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
XX/XX/2024 I did not authorize for this company to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

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.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This account was previously disputed as it did not belong to me they have refused to remove and validate the debt XXXX XXXX was previously disputed and confirmed not my account they are now showing under a different company TRANSWORLD system. Other reporting agencies have confirmed not mine and removed except experian. 

I tried to fix this for over 2 months and company does not remove I have attached screen shots to show previousl results when it was removed right after that it showed as a new collection with new open date and is now showing as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My macys account payment history does not reflect what XXXX and XXXX show which should be XXXX late payment history. under XXXX it shows that i have two 30-day late payments. this is inaccurate as i have spoken with the creditor directly and my account status was updated to paid as agreed with XXXX and XXXX. please update my payment status to current/paid as agreed and i would like the late payment deleted and removed. If i do not hear back in 30days, this inaccurate information needs to be deleted

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
CKS and Velocity Asset Management have been so difficult to get this fraudulent account out of my credit. I called the phone number listed on this collection report Velicity gave me a phone number saying my account was being managed by some other company. I called the company they told me to call another company at this number who they claim is managing my account. I called XXXX per CKS and velicities request. I have been in 8 different phone calls today on the XXXX of XXXX with both entities. They record phone calls Im sure they can hear every conversation. They told me they dont have any accounts under my name social or anything of that sort. I called CKS back and they kept telling me to call back that company. I called them back they told me no account here sir. I NEED CKS to stop being scams and frauds. I didnt open this account this account is fraudulent. I never opened this account and Im providing with a police report here as well so they can view the scams that they are. DID CKS USE MY INFO? Cause who else did? This is not my debt and I wont stop until the person who did this is being held accountable. The credit card they even mentioned I have never even heard of such credit card in my life. Besides I have out of the country since 2021 most the time cause I was touring in XXXX. I sing for XXXX XXXX and I got millions of streams. I have been public figure for 10 years of my life but never thought anything like this could ever happen to me. 

I do not own this account and I need this account removed. I wont get any resolution speaking to them directly. Im in a huge state of XXXX cause of this. Im under so much stress cause of this I cant even type properly. Why would they do this to someone like me?

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