vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are massive amount of unauthorized inquiries on my credit report. I have reached out to the creditor and all 3 credit bureaus. These are all unauthorized and I have no knowledge of these inquires. See below. 

XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX PLEASE REMOVE THESE FROM 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
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
Chime closed my account on XX/XX/2022 saying I wasnt in compliant with its internal policies and the member agreement executed at enrollment. I have over {$1600.00} in my savings account with chime and about {$30.00} in my checking. After sending over documents to prove my identity several different times I received an email stating that they closed my account and I would receive and check with any money that was in my savings and checking within XXXX of the account closing. Its now the XXXX of XXXX and still nothing, Ive called multiple times and they keep saying the same thing which is to wait to receive and update email from chime support I explained to them that Ive reached out to chime support on XX/XX/XXXX and all I keep getting is automated messages its just ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: CA

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2022-12-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: MA

Complaint narrative:
I became victim of a scam last XXXX by a company called " XXXX '' through which I invested about {$13000.00} on cryptocurrency via CRYPTO.COM. They used all types of incentives to have me put in my money. All my transactions had been from my XXXX accounts through Crypto.com to their fake digital wallet on my profile. I realized that I was being scammed when I was told to pay taxes on the " fake '' earnings that were posted in my account on their website. Knowing that only the IRS has the authority to collect tax on investment earnings, I started digging more and found out the whole platform was fake. I confronted them and they threatened to freeze my account. I reached out to XXXX  for assistance with no success. " XXXX '' cleverly orchestrated a prevalent scheme of deception to lead people to invest significant sums while knowing that those would-be investors would ultimately lose the money, they had entrusted to it. The overall purpose of the scheme was to target and defraud people who are often inexperienced and nave, in pursuance of illicit wealth through various fraudulent representations. I did not know, and through the exercise of reasonable diligence could not have discovered, the fraud that was being perpetrated upon me by the Company. As a result of this, I was deceived into transferring my funds for investment returns that were never delivered. I will certainly never receive any monetary value for the investments considering the way the Company had their scheme rigged thus causing significant economic damage to me. I put in claims through XXXX and provided proof of all the fraudulent activities that had been a victim of, unfortunately they denied XXXX of them. I hired a XXXX party company, XXXX XXXX XXXX to help me build a case against both XXXX and Crypto.com. XXXX has not been responsive at all and XXXX completely denied all the claims. The 3rd company promised they would do everything to help me get my money back but I have not heard from them for about 3 months. I also paid the company a retainer to start the process. We entrust Banks to safeguard our hard earned money. Financial institutions are well aware of the scope and nature of cybercrimes as related to cryptocurrency and the risks that these pose to their clients, who, in contrast, mostly have limited knowledge of these dangers. Scam victims have relatively little freedom of reactivity ; under such circumstances, they respond immediately, instinctively, and invariably to the specific demands of the perpetrator. Being able to consciously refrain from reacting in such a way is extremely difficult and sometimes impossible. This complex issue has caused substantial harm to me and other people who have been victims of the same schemes. Those institutions should implement controls to protect people like me with no investment knowledge as we are the main preys of those predators.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: NC

Complaint narrative:
I have a Bankruptcy report on my credit report. I don't know about the reports because they don't belong to me. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report 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 explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SOUTHSTATE BANK CORPORATION
State: GA

Complaint narrative:
The first thing happened was the XXXX changed the price of the mortgage from XXXX to XXXX The change was because of my land the land was already paid for. I retrieve some documents off line and it stated that the reason for the change was because I had a large lot oceanfront and rural area. I dont have an oceanfront. The other thing was the builder had me to quit claim my land to her and she sold my land back to me. The builder that built the house did not give me all my square footage when she built the house is small and not worth what she sold it to me for. The documents thats on line and the contract is not what I signed and they forged another one. I didnt get any of the paperwork that is on line at closing. I had to pay about XXXX cash and my land I feel like I was robbed because of the documents show the someone lied on the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The following accounts were never late I have sent 4 letters without a response XXXX XXXX XXXX Negative Negative Negative open, installment, collection, past due, assigned to attorney, collection agency, or credit grantor 's internal collection department, seriously past due XXXX XXXX XXXXXXXX Negative Negative Negative Was 30 days late XXXX time ( XXXX ). Was 60 days late 2 time ( s )., revolving,30 days late,60 days late XXXX XXXX XXXXXXXX XXXX XXXX Negative Was 30 days late XXXX time ( XXXX ). Was 60 days late XXXX time ( XXXX )., XXXX days XXXX days late, delinquent, past due XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 30 days late XXXX time ( XXXX ). Was 60 days late XXXX time ( XXXX ). Was 90 days late XXXX time ( XXXX )., revolving, settled,30 days late,60 days late,90 days late XXXX XXXX XXXX Negative Negative Negative Was 30 days late XXXX time ( XXXX )., Was 30 days late XXXX time ( XXXX )., revolving,30 days late Please remove the accounts from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: CA

Complaint narrative:
XXXX is reporting incorrect information and is a result to me being homeless. I have disputed the following : * XXXX- I have never lived there my wallet was stolen. They didnt fill out my debt validation request. They have a old Driver licenses that got stolen. I have a police report. XXXX removed this debt * XXXX- I never lived in Texas XXXX All the have is documents that they claim match my signature. This is also false. XXXX and Experian removed this debt. 

* XXXX XXXX- This company does not respond to me. This was removed on Experian. This is a false claim * XXXX XXXX This debt was paid and settled. I provided them receipt and they still wont remove. Its been over 60 days

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 2022-12-23 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: CA

Complaint narrative:
XXXX is reporting incorrect information and is a result to me being homeless. I have disputed the following : * XXXX- I have never lived there my wallet was stolen. They didnt fill out my debt validation request. They have a old Driver licenses that got stolen. I have a police report. XXXX removed this debt * XXXX- I never lived in Texas XXXX All the have is documents that they claim match my signature. This is also false. XXXX and Experian removed this debt. 

* XXXXXXXX XXXX- This company does not respond to me. This was removed on Experian. This is a false claim * XXXX XXXX This debt was paid and settled. I provided them receipt and they still wont remove. Its been over 60 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2022-12-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
We moved out of our apartment ( XXXX XXXX XXXX  ) XX/XX/XXXX. In XX/XX/XXXX, I contacted them to get an apartment verification for a home loan and I was told that we had a {$3000.00} balance for failure to vacate the property without notice. I told XXXX ( property manager ), we did give proper notice and even showed him the email that was sent to the previous property management, he said that it was not valid. I contacted the previous property management company, who confirmed I gave proper notice AND that information was emailed to me. My husband personally went to the office and gave XXXX the copy along with a copy of the picture of the walk thru we did with his former employee and he said he would send it to corporate for approval and get back to us within a week. XXXX weeks later, we heard nothing. My husband went to the property again and was told by XXXX that corporate denied the approval and we still had the {$3000.00} balance and now he was saying that included damages. I contacted corporate several times in XX/XX/XXXX and finally received a response in XX/XX/XXXX from XXXX XXXX. I was told the charges would be corrected and would only be charged for damages, which she estimated around {$900.00} or less. Again I never heard anything until in XXXX I received notice that they sent me to collections. I contacted corporate again and several times since and have not had a reply from them til this day. XXXX the property manager did reply and said he left me a voicemail and I didn't pay so he sent it to collections. I asked when he left me a voicemail because I never received a call from him, he said he didn't know. Furthermore, if my balance for damages was around {$900.00}, I'm sure they didn't take into account that I gave a {$1200.00} deposit and therefore don't owe them anything, they would owe me money. Also, he could have contacted me via email because he had my email address ; that was included in the email from XXXX XXXX ( his corporate office ). And in the paperwork I gave him also included my forwarding address, I never received a notice by mail either.

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 2022-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
roughly 8 years ago XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The company I worked for at the time, XXXX XXXX XXXX XXXX, sent me to XXXX XXXX in XXXX, Rhode Island, and never paid the bill. I have been contacted by the hospital and several different collection agencies over the years and told them it as a work injury and the bill is not mine, to no avail. 4 months ago Commonwealth Financial Systems took over the collections and sent it to my credit report. My score went from XXXX to XXXX in 4 months over a debt that isn't mine. I want this to stop NOW and i want the negative credit marks repaired immediately. I also want to know if there is civil actions I can take because I am starting a small business and cant get a loan, or credit, directly because of this and I'm already over XXXX into the business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: NJ

Complaint narrative:
There are massive amount of unauthorized inquiries on my credit report. I have reached out to the creditor and all 3 credit bureaus. These are all unauthorized and I have no knowledge of these inquires. See below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX PLEASE REMOVE THESE FROM 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 2022-12-23 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are massive amount of unauthorized inquiries on my credit report. I have reached out to the creditor and all 3 credit bureaus. These are all unauthorized and I have no knowledge of these inquires. See below. 

XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX PLEASE REMOVE THESE FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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.
State: OK

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, Account name : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
We opened a CD using the funds from our existing joint trust account at M & T Bank. The joint trust was set up and there is no issue with it as per the branch manager. A month later we receive a form letter signed by the local branch manager that they are closing our account. We later found out it was only the CD being closed. When I talked to the branch manager, she was unaware of the letter, and she had not seen or signed it. Over the next few weeks, we provided the branch manager with whatever information she requested. She claimed she was working with her back office to resolve the issue. She claimed that M & T has a different way of doing accounts and the people in her branch set it up wrong due to a lack of experience and training. The bank had possession of all the trust document information from our existing account and there is no issue with it. The funds for the CD came from that account. The letter stated if we took no action the account would be closed, but we were very active with working with the branch manager to resolve the issue. Last week we noticed the funds for the CD ( {$100000.00} ) had been removed from our online account. This alarmed my wife and she tried to contact the branch manager who was not available with time off. She sent through an email to the branch manager, and it was answered two days later stating she had escalated this to senior management. The next day she called back and informed my wife the account was closed by corporate, and the money removed without our authorization. She said a check was being put in the mail to my home address. This seems to be a poor way to handle my money and the lack of being customer focused when the issue was their mistake in setting up the account.

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 2022-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NPAS, Inc.
State: NH

Complaint narrative:
Hello, I went to XXXX XXXX XXXX for an MRI. I was told at the time of service that my total due for the co-pay for the service was {$200.00}. That was a lot of money, but I had a neck injury and had to have the test. I paid the {$200.00} co-pay that was requested, which XXXX XXXX has acknowledged. 

Months later I received a bill from XXXX XXXX for {$1200.00}. They told me that they quoted me the wrong price at the time of service, and that I owed them that {$1200.00}. I explained to them what happened and that there must be a mistake. They agreed to look into the situation further. A month later they got back to me and said I owed them {$1200.00}. We did this 4-5 times, each time telling me they were sorry for THEIR mistake, admitting their error, but essentially saying sorry, but I still had to pay. I explained each time that I never would have agreed to pay for that test, I couldn't have. I explained repeatedly that it was their mistake, and what they were doing amounted to a bait-and-switch for service payment, which was essentially illegal, an no one I spoke to cared. 

Then XXXX XXXX sent the payment to collections, and I have been getting 2 phone calls a week for months. This is harassment, and for a debt that I do not owe, because of mistake XXXX XXXX made.

Company response to consumer: Closed with explanation