vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
I have four accounts from the same company on my credit report I tried to dispute it 10 times I've explained that it is not mine I have insurance. Free government insurance I would of used it. Have had same insurance for 20 years. it's from it was originally from hospital collector. It got sold to another company and I keep disputing it and they keep coming back saying it's okay which it's not because it's not mine I've put fraud I've contacted them it's been taken off my XXXX but they won't take it off my XXXX I tried to contact them multiple times so now my last resort is you it is not mine I even put in the report should I get a police report nothing ever was brought back to me I'm not taking this four accounts for a hospital visits when they're not mine this has been affecting my credit record I want this fixed please I didn't know who else to turn to thank goodness I seen that I could contact you guys to get it taken care of their name is ARS account resolution their address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Florida XXXX and then their phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/22 and XX/XX/22 I sent Experian Identity Theft reports from the FTC regarding erroneous accounts on my credit file. Experian did not block and remove those accounts from my credit file within 4 business days as required to by law. In Experians recent response, it didnt bother to investigate my claim again. Experian is enabling identity fraud and defamation of my character. The fact of the matter is that this company can not verify an item is mine when it doesnt belong to me. I sent you the FTC report, as I was instructed to do. You failed to follow the FCRA and remove the accounts mentioned on the report within four business days. You hereby admitting to being guilty of the Enablement of Identity Fraud.

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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This account XXXX has been on account for over SEVEN years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CHECKredi of Kentucky, LLC
State: TX

Complaint narrative:
XXXX - XXXX This is regarding your transaction that you used on XXXX. it was sent to a closed account - XXXX XXXX XXXX STOP to Opt Out Hi XXXX, if you would like to make payment today online please text the word " PAYMENT ''. Your balance is XXXX Your reference number is XXXX Thank you CHECKredi - XXXX XXXX XXXX STOP to Opt Out I dont have a balance. Theres been some fraudulent activity. 
How do I have balance when Ive never used this program for payment? 

Please contact our office at XXXX to discuss your account in detail. - XXXX XXXX XXXX STOP to Opt Out Please provide your website to start a fraud investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
XX/XX/XXXXXXXX XXXX  XXXX XXXX from XXXX is on my credit inquiry for 2 different times which I don't understand why I would like to clear this out and remove in which I'm trying to get my credit in good health. I don't even know why its even there.

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 2022-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/22 Amex processed a {$150.00} charge to my account after having downgraded my Blue Cash Preferred card to a Blue Cash Everyday card. Their reasoning The terms and agreements do not specify " clawbacks '' regarding downgrading within the first year. The terms regarding revoking credits is general ( " ... can be revoked at any time '' ), too general to be enforced fairly. The rep was unhelpful in resolving this. Per the same rep, I can not undo this downgrade of my card. 

ticket # : XXXX active with Amex

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the referenced accounts violates my rights. 

15 U.S.C. 1681 Section 602A states that I have the right to privacy and Section 2 states that a consumer reporting agency SHALL NOT furnish an account without my WRITTEN instructions/permission. 

The following inquires are not mine and is a direct result of id theft. I have included a police report and has filed a FTC report showing that my identity has been compromised. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have disputed the account listed as XXXX XXXX multiple times with Transunion and they refuse to delete the account. Both XXXX and XXXX have both deleted the account due to inaccurate reporting of information but somehow Transunion continues to report it as Verified as accurate. On XXXX they issued a response updating and reaging the account when I asked for it to be deleted. They updated date updated, original creditor, and payment received. The FCRA states that an account must be deleted for inaccurate reporting, yet they continue to report it as accurate. I sent a third dispute letter on XXXX requesting them to validate the debt and send me the documentation that proves exactly how they verified the account and all they sent me was a generic letter stating they called the creditor, this is unacceptable. Also, they did not update my credit report to show that I'm actively disputing the account. This inaccurately reported account must be removed immediately.

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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Investigation from XX/XX/2022 resulted in the deletions of multiple unauthorized inquiries ( referenced in picture attached ). Letters sent via mail ( most recent attached ) requesting the deletion for unauthorized inquiries receiving no response, from the bureau. Another request to investigate on the same matter sent XX/XX/2022 so far has also gone without response.

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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I went to this bank to apply for a savings account and I was declined based on a chexsystems report with the following codes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called chexsystems customer service line to find out what do these codes mean they told me it was about fraud or fraud history. And that I opened alot of savings accounts but I'm in currently good standing with all my accounts. I do not understand why this is negatively reported on my report. I have never engaged in any fraudulent activity or have had issues regarding to fraud and bank accounts, so why is Chexsystems reporting this inaccurate information about 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
Consumer complaint received 2022-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sunset Solutions Group, LLC
State: FL

Complaint narrative:
Beginning the week of XXXX XXXX XXXX a company calling itself Sunset Solutions -- caller identified herself as XXXX XXXX -- began contacting me and leaving voice messages stating that I had " multiple infractions under my name and social security number '' that they were handling, which I know not to be true, and " recommending '' that I settle the matter with them " before they take it to my local jurisdiction ''. This has gone on multiple times per day since then. On XXXX XXXX XXXX I called back at the number they left in their voice mail - XXXX and attempted to explain t that I had already checked with my local Clerk of Courts and didn't have any litigation, pending or otherwise, under my name and that I had also found numerous complaints and scam alerts under their own name. The respondent, XXXX XXXX herself, became extremely unprofessional and vulgar with me, instead of listening to what I had to say and trying to verify whatever bogus issue her company had and talking over me, saying " Why are you calling back, then? '' over and over again -- when I tried to inform her not to ever contact me again. Today this company left yet another voice message and I think I may have seen their spoofed XXXX number pop up on my mom 's phone too. Furthermore, as I stated earlier and tried to explain to them, I am not the first person they have tried to scam -- there are entire threads regarding their illicit activities here : https : XXXX and here : XXXX XXXX XXXX 

Here is the XXXX information for their website : XXXX XXXX XXXX Transcript of voice mail : Hello. This message is solely for XXXX XXXX. My name is XXXX XXXX. I'm with the compliance offices of the Sunset Solutions Group and the association sheets. We have been retained and are handling multiple infractions and violations under your name and Social Security number. If you wish to try and sell this matter before we seek any action in your local jurisdiction, I strongly suggest you press one to speak to a live agent. If you are currently represented by council, please have them give us a call on your behalf. You may also return our call at XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: NJ

Complaint narrative:
To whom it may concern, I, XXXX XXXX of the XXXX family am writing you today as an aggrieved man. I filed a complaint with CASH APP XX/XX/22 regarding my lost or stolen debit card. There were unauthorized transactions made using the card without my consent and or knowledge. CASH APP cancelled the debit card and sent me out a new one. 

However, my CASH APP account is now over drawn because CASH APP denied my claim. I demand that these unauthorized transactions be reinvestigated, and my claim be accepted. As a customer of CASH APP, I am disappointed in the shameful Behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are accounts in my report that are inaccurate. Also, some have fraudulent history and I want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: TX

Complaint narrative:
The CFPB wrote a regulation in accordance with the law under the FDCPA to prevent debt collectors from communicating with consumers through any medium. XXXX XXXX XXXX ( XXXX ) violates that provision. 12 CFR 1006.2 ( d ). Suppose the 3 XXXX  and XXXX  does not delete the extension of credit from my consumer reports. In that case, it will be treated as a Racketeering Activity. XXXX is harming my reputation to extort me into repaying an extension of credit. 
I entered into this credit transaction without being fully informed about its provisions and how it would be used to extort me. 

Please see attached evidence.

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 2022-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXXXXXX XXXX  scam to send credit through XXXX. Created fake XXXX emails. Need Bank of America to reverse it.

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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are accounts in my report that are inaccurate. Also, some have fraudulent history and I want them removed.

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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are accounts in my report that are inaccurate. Also, some have fraudulent history and I want them removed.

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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was overwhelmed by XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I got an " upgrade '' bonus point offer ( {$4000.00} ) from American Express last year with some spending requirements, which I took. What a mistake! American Express took the yearly membership fees from me on XX/XX/XXXX. And I spent to meeting the spending limit of the offer. In my recent XXXX statement, I got renewal yearly membership fees again. I do not want to pay the membership fees again for another year. So I called to cancel the card. The customer agent told me that if I just downgrade my card again, the points will remain. However, on XX/XX/XXXX, I got a notification from AMEX that all my XXXX XXXX upgrade bonus points were removed because I didn't maintain the card for a year ( which they claim would happen in XX/XX/XXXX ), even though my second year membership is charged on my account by prorate already. This is ridiculous. They cheated my points away on a technicality. Is it not the company 's responsibility not to charge the 2nd annual membership before a year is passed? And is it not the company 's agent responsibility to inform the customers that they will lose points from the account if it is a few days too early to downgrade the card? And why are they charging " yearly '' membership fee twice within a year? The practice is so shady and I can not believe it is from $ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: NV

Complaint narrative:
Requested a withdrawal from Gemini crypto exchange on XXXX XXXXXXXX since then my funds are supposedly pending. I have not received any information as to when I might expect return of my funds, even after several attempts to communicate with Gemini. They dont seem to have any phone contact numbers so, Ive only been able to communicate through twitter. I received an initial contact but after I respond, nothing. I fear that Gemini is just another XXXX  scheme. If you could request they honor my withdrawal request I would greatly appreciate any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
APPLIED FOR CITI CARD, BUT WAS DENIED. THAT IS CLEARLY UNDERSTOOD. BUT WHY WOULD CREDITOR PUT ON MY CREDIT REPORT " HARD INQUIRY '' WITHOUT MY PERMISSION?

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 2022-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC
State: NY

Complaint narrative:
Today I received a phone call from DCM debt collection services on behalf of XXXX concerning my brother who passed away last month. 
Allegedly, my brother opened up a XXXX XXXX XXXX XXXX over four years ago. There is an outstanding balance of nearly {$2000.00}. They even provided the last four of a XXXX credit card account number. 
I asked that official documentation be mailed to my home address. Which they will do. This is the agent I spoke to ( please publish ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I contacted XXXX who cant confirm if my XXXX  even opened up a credit card account. I didnt co-sign on his account nor is he associated with my own account in any way. I only have debit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint narrative:
In accordance with the fair credit reporting act. My accounts ( apart from XXXXXXXX XXXX  ) have 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 rights to privacy. 15 U.S.C section 604 A section 2 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 shale not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurat
e.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have report this account as fraud on my account almost 3 times in they have done nothing to help me resolve this issue, I have stated several times that when this credit account was made I was underage at the time I just recently turned XXXX in when I went to start to apply for credit I kept getting denied in seen on my report this account that Is fraud in have all the wrong information on they account literally wrong birthday, address, phone number so Im not even sure how they even processed my information with the wrong date of birth etc it is a charged off making it negative on my credit report it needs to be remove I have no knowledge which I keep stating.

Company response to consumer: Closed with explanation