vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 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: NV

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: TX

Complaint narrative:
Attached is XX/XX/XXXX letter from XXXX XXXX XXXX XXXX ( XXXX  ) sending items they claim I requested. I requested the permissible permission used to access my credit report in XX/XX/XXXX not the documents they keep sending. I require this document to prove the loan was fraud. When I say fraud, XXXX  requires more of my personal information to do a fraud investigation when they didn't even have the right to have any information on me in the first place. My request is simple, send me copy of the permissible permission used to access my credit report in XX/XX/XXXX to allow me to prove the loan was fraudulent.

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 2022-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
No Notice of collection just appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My husband got laid off and can not pay my credit card I called macy 's ( Citibank ) and they keep giving us the run around and telling us they can not do anything. I am XXXX and that seemed to be of no concern to them. This happened XXXX XXXX around XXXX thru XXXX and we called today XXXX. Several times during the calls, they dropped. One time seemed to have picked up and hung up. 

What can I do?

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 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX 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 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 non-monetary relief
Consumer complaint received 2022-05-04 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 2022-05-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau Equifax, XXXX, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I have talked with each of the creditors and each of them have tried to force a payment for debts that are not mine. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I have talked with each of the creditors and each of them have tried to force a payment for debts that are not mine. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.

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 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX file # XXXX XXXX  account # XXXXXXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXXccount # XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXAccount # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXXXXXX account # XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXL account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX file # XXXXXXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXAccount # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX  XXXX BANK account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The information being reported on my credit has not been actually verified as accurate

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 2022-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cawley & Bergmann, LLP
State: NJ

Complaint narrative:
I settled a debt with XXXX XXXX bank through a collection agency in XX/XX/2018. I received a collection letter from a new collection agency out of the blue 2 weeks ago. They have no knowledge that this debt was paid or XXXX shows any records of it paid. I am attaching a copy of the original debt, proof of payment and copy of the new collection agency 's letter 5 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX RESURGENT/LVNV FUNDING Account XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RESURGENT/LVNV FUNDING Account XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX AXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX. 2022, I sent {$1500.00} to an individual in exchange for a sports card. We had a lengthy text exchange intended to confirm the transfer of funds as well as the shipment of the card. Contrary to my requests, the individual did not send tracking information for the card and I have not received the merchandise to date. Furthermore, the individual has stopped responding to my inquiries. 

I opened a claim with my bank ( Wells Fargo ) with claim ID XXXX. Upon reviewing this, WF was unable to reverse the transaction.

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 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have the information that they used to open the account in my name. I received 5 Emails on Friday XX/XX/XXXX. 1. Verify you email. address 2. Online Application in Progress 3. Your application was approved 4. Your email address was updated 5. Welcome to mobile banking. The first one came at XXXX PM and the last one at XXXX PM. 

In the email that stated your application was approved, I had a " Bank of America Advantage Plus Banking '' new account that showed a Account # and the last 6 digits. I also had a confirmation number for my application. I don't, nor i have EVER had a checking account with BOA. 

In ALL of the emails, it stated, If you don't recognize this activity, call us at XXXX. 

The first time I called, after several attempts, I spoke to someone who sent me to the fraud department. When I got to Fraud, the lady flat out told me, we only help customers with BOA accounts, I can't help you. You need to call a different number that can assist you. The number she gave me, XXXX is a third party number that was automated asking if i was over the age of 55 trying to sell me stuff. 

Now, i am over an hour into this and i can't get the BOA number to get me to ANY person because thier automated system ONLY wants to let members call. I am fuming at this point because someone can be opening up credit cards now in my name. FINALLY I get in contact with a banker who " can't '' help me but I was very persistent with what was going on and he graciously asked for my social and saw that I did infact have a account open. When he said he was going to transfer me to the fraud department i told him what happened and he said he would stay on the line with me until they picked up to explain the situation. 40 minutes later the fraud department answered. 

I started my phone calls at XXXX and finally got this account closed at XXXX. 

The person used my XXXX address on the account, I live in XXXX. The emails came to my XXXX but the email on file was not my XXXX  The name on file was not mine, nor was the phone number. Phone number was XXXX, name : XXXX Email : 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 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica
State: PA

Complaint narrative:
A checking account was opened in my name with Comerica Bank. I received a welcome package with starter checks. I called Comerica, spoke with the fraud dept. and they closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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 purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I had a account with Chime bank for years I had my XXXX direct deposit into the account they close the account and said they wasnt giving me the funds. Only way I could get the funds if the state requested it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had my account closed after contactin a review of my account and it wasn't due to my credit worthiness. On that note, I would like the reopening of my account as I have done nothing wrong on my behalf and if so I would like capital one to address the matters that they are asking based on business concerns to my previous response that has violated their XXXX. What activity was done as the only activity used for this account was to pay bills so I would like the reopening of my account ending in XXXX this seems like a cover-up to hide the fact that they are in violation of FCRA laws and I am able to pursue legal action on this as they are closing my account with no such proof or disclose of this 'activity ' they are stating along with the fact my payment was never 30 days late and they are reporting absurd extra self harming information on my credit report as I am trying to go for a mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: LA

Complaint narrative:
There were about 5 hard credit inquiries that I didnt apply for on my credit report. Also a social security number that wasnt mines on my report. A couple of the inquiries occurred on XX/XX/XXXX. Some were on XX/XX/XXXX. There was a soft or hard pull on XX/XX/XXXX. I contact those companies and they looked into it and no open credit lines and I contact the credit bureau to dispute the fraudulent activity and added a freeze on my credit line.

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 2022-05-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase auto finance. I extended my lease with them and I wan na buy the car. I had some medical issues and I became a little bit behind. last Monday I paid {$810.00} and {$270.00}. Total of {$1000.00}. before that I called and spoke to XXXX and he gave me paperwork to extend by my car out. Told me what to do so I did it. I mailed the paperwork back. The lady XXXX from the call center continues to call me. I had enough I spoke to supervisor XXXX who is very incompetent. Told her all the paperwork was mailed out I want to buy the car leave me alone. Give me whatever I need to fill out. They are uneducated people that wont help you. When I asked to speak to her supervisor she refused. I want to buy the car out and Im getting nowhere with anybody with Chase. I am a healthcare professional I dont work in a call center. I dealt with sick people during the height of Covid. They work at a call center work from home. Theyre not my cup of tea and they need to learn customer service. She needs to learn how to speak to people and not leave messages and know how to read the notes in the system

Company response to consumer: Closed with explanation