vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, 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 am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-02 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
VICTIM OF IDENTITY THEFT. ACCOUNT HAD NO LATE PAYMENTS AND WAS PAID IN FULL BUT DUE TO XXXX XXXX BREACH AND OTHER BREACHS I AM A VICTIM OF IDENTITY THEFT.ANY INQUIRIES MADE WERE UNAUTHORIZED. I DEMAND THE INQUIRIES TO BE DELETED ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
VICTIM OF IDENTITY THEFT. ACCOUNT HAD NO LATE PAYMENTS AND WAS PAID IN FULL BUT DUE TO XXXX XXXX BREACH AND OTHER BREACHS I AM A VICTIM OF IDENTITY THEFT.ANY INQUIRIES MADE WERE UNAUTHORIZED. I DEMAND THE INQUIRIES TO BE DELETED ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The account below is reporting incorrectly/inaccurately on my consumer credit reports, please DELETE PROMPTLY & IMMEDIATLEY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting on XX/XX/2023 { Acct # : XXXX } - - - REASON FOR DELETION IS : Information reporting/reported is inaccurate - - - [ Account open date : XXXX = INCORRECT. ] - - - [ XXXX balance = INCORRECT. ] - - - [ Payment history = INCORRECT. ] - - - Furthermore, I have no knowledge or information about this account or company, they did not provide me with a copy of an original contract as requested. - - - As per the FCRA Section 611 ( 15 U.S.C. 1681I ) inaccurately & unverifiable reported information shall be promptly DELETED from my consumer 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 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc.
State: TN

Complaint narrative:
I have been receiving debit cards from companies such as XXXX, XXXX and CashApp that I never applied for. I do not have any of these apps. When I call the companies regarding the cards, I have to go through their fraud process to cancel the account. As far as I know there hasn't been any actual activity on the account. The concerning aspect of this is how these accounts are being opened in the first place. I believe that it may have started after I listed an item for sale on XXXX XXXX XXXX. I had someone pressure me to open a XXXX account, which I refused. Shortly after that encounter I received the first debit card. I have my credit frozen ; therefore, no one can open a credit account under my name. I would like to know how I can prevent these debit cards getting opened in my name and what protections I need to put in place to prevent this from happening going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX applied for a Chase Credit card online. We were approved and received an email stating we would receive our cards in 5 to 10 days with a credit limit of {$700.00}. We have great credit score but wanted to do a balance transfer. After 10 days we did not receive our cards but did receive an email stating if we made a {$4100.00} purchase, Since we didn't received our credit cards nor made any purchases. I called chase fraud department right away. I stood on the phone for XXXX XXXX to find out what was going on. I was told that we made a purchase of {$4100.00} dollars, I told them that we have never received the cards. Chase stated that they were mailed to XXXX XXXX XXXX XXXX # XXXX, XXXX. I told them why would they mail them to our old address since we lived at XXXX XXXX XXXX XXXX Az XXXX since XX/XX/XXXX and that we changed all our addressed before we moved out and when I filled out the application I put our new address so why did they mail them out to our old address. They apologize and said that they will send out new cards to our new address right away. On XX/XX/XXXX we received the new cards so I wanted to do a transfer but the rep XXXX from Chase accused me of stealing {$4100.00} from them. I was really upset and told him that his departments mailed them to our old address and that when I filled the application I typed in our new address and if they look at my chase account they will see that I made the changes with our Banks, all our creditors, and Post Office and that when I applied on the application I put our new address so why would they mail it to the old address, and why were they accusing me of fraud. I have great credit, because I care about my credit, I even called the same day that I received a text message that there was a {$4100.00} charge on my credit card that I never received. I called them back today XX/XX/XXXX and his name was XXXX who accuse me of fraud WHAT!!! I told him how dare him accusing me of fraud when I never received the cards at my new address and that the mistake was from their Company who mailed them out to the wrong address. 
I want this resolved, XXXX then hung up on me. 
I just want chase to get this resolved, We never received the credit cards and when we did receive the text message about a {$4100.00} charge we called them rights away. 

I want this to be resolved right away and I do not want their credit card after. I have 2 bank accounts with them for the last 10 years and never had any issues so we decided to apply for a credit card so we could do a balance transfer. Now I want to take my money out of my accounts because of how i was accused by XXXX of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/XXXX at XXXX and XXXX i had money fraudulently stolen out of my bank account. I contacted chime immediately after it happened. ( I have transaction notifications on and the alert woke me up out of my sleep ) For two months now they have refused to give me back the money even after I submitted the police report and all of the information they asked of me. The transactions don't line up with my spending at all and they have been nothing but unhelpful. They have laughed at me and called me a liar, I do not own a XXXX and it was discussed with them that the one purchase I made in XXXX to XXXX was for a friend 's son and when we checked his account to see if my card information was still in his account or not, we found that it was not in his account and these two purchases did not come from his account. Therefore, my information was fraudulently stolen from me and the bank is doing nothing to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I dont have any recollection of any of these inquiries these are not mine they are credit error I never authorized anyone to pull my credit. Listed are the increase they need to be removed thank you for your help. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Hi my name is XXXX XXXX I was searching to buy a home and I came across Bank of America I was connected with a loan officer by the name of XXXX XXXX XXXX. XXXX was giving me information that I need to gather together for the bank to approve me for a loan once I got approved for the loan I started shopping for homes i got a home inspection pay for appraisal and also lost out on mortgage agreement twice because of XXXX XXXX 's lack of professionalism and responding on time and XXXX was not handing paperwork in on time emails reaching out to my realtor also not reaching out to the underwriter and the person of the property therefore I lost out on {$2000.00} Mr.Handy may take 4 day 's to even a week to respond back to all party 's involved in this process XXXX XXXX would also tell myself my realtor the underwriter and the person associated with the property that he does not do work after XXXX but XXXX XXXX was sent emails about XXXX in the evening stating documents that he needed and what those documents were presented to him he was still take days to even respond back i truly believe that I was discriminated against this is why I have lost out on a home that I've tried to invest money into.

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 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
I deposited a check by mistake they have the account on hold for 3 weeks now I cant take money or use my card I have my son SSA money in there they wont give me further information this is giving me XXXX I need for them to release the money and close my account or unfreeze my 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 2023-08-02 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have disputed 2 addresses with XXXX, and they keep refusing to remove it. It is not my address and I have never gotten any credit from this address. I have lived in my same home since XXXX. They say it is a American Express. I have had cards where a business used my information to open the cards. I have sent Amex that as well and told them to send me validation it was mine and they still can not validate the debt or show me proof of how these addresses are mine. It is hindering me as when I need to verify myself it wants me to use an address that is not mine. Why are addresses being used that are not mine and fraudulent and why can't I have them removed when they can not prove they are mine? This is very frustrating for me that people can use my information and I am forced to keep it on my credit report, and it is not me nor have I ever used these addresses. I am not sure what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: ZWICKER & ASSOCIATES
State: GA

Complaint narrative:
I have disputed 2 addresses with XXXX, and they keep refusing to remove it. It is not my address and I have never gotten any credit from this address. I have lived in my same home since XXXX. They say it is a XXXX XXXX. I have had cards where a business used my information to open the cards. I have sent XXXX that as well and told them to send me validation it was mine and they still can not validate the debt or show me proof of how these addresses are mine. It is hindering me as when I need to verify myself it wants me to use an address that is not mine. Why are addresses being used that are not mine and fraudulent and why can't I have them removed when they can not prove they are mine? This is very frustrating for me that people can use my information and I am forced to keep it on my credit report, and it is not me nor have I ever used these addresses. I am not sure what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Management Group, Inc. (GA)
State: CA

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2023-08-02 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: OH

Complaint narrative:
I have 5 unauthorized fraudulent inquiries that I have been trying to get off my Transunion credit report for the past 2 months. Transunion has been disregarding my disputes and also have been saying that they think I'm using a 3rd party. I have attached my last letter I sent out in XXXX which includes my FTC 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 2023-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: EdFinancial Services
State: GA

Complaint narrative:
EDFINANCIAL SERVICES XXXX XXXX XX/XX/2017 balanced owed {$2200.00} EDFINANCIAL SERVICES XXXX XXXX XXXX XX/XX/2017 balanced owed {$1200.00} XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX balance owed {$0.00} XXXX XXXX XXXX XXXX XXXX UNI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE DISPUTED WITH THESE COMPANIES ABOUT THE FALSE INACCURACIES. ACCORDING TO 15 U.S CODE 1681A ( 2 ) ( B ) THEY HAVE NO PERMISSIBLE EVIDENCE. 
PLEASE REMOVE IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/2017 balanced owed {$2200.00} XXXX XXXX XXXX XXXX XXXX XX/XX/2017 balanced owed {$1200.00} XXXX XXXX XXXX XXXX - XXXX XXXX XXXX balance owed {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE DISPUTED WITH THESE COMPANIES ABOUT THE FALSE INACCURACIES. ACCORDING TO 15 U.S CODE 1681A ( 2 ) ( B ) THEY HAVE NO PERMISSIBLE EVIDENCE. 
PLEASE REMOVE IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Consultants of California
State: CA

Complaint narrative:
I have had a medical expense from an emergency in XXXX. We had negotiated with the insurance ( XXXX ) at the time and had assume the matter was settled. I was surprised to receive a letter n XX/XX/XXXX that the insurance refused to pay certain amount and the hospital is now looking to recover that cost. I no longer have XXXX and is very hard to coordinate on why the insurance declined to pay as i had already met the deductible for that year. 

Eventually this debt resulted in the hospital transferring to a debt collection agency who was making repeated phone calls. They had also increased the debt amount tacking on additional interest. 

I have sent a letter to the debt collector to provide us a written debt verification statement as soon as possible including a request asking for they are prepared to accept less the balance that is currently in the statement. 

It has been more than 30 days since i sent this letter and i have not received any communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2, company has also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4. 

I have never entered into a contractual agreement with NCB Management ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: TN

Complaint narrative:
Experian is reporting a fraudulent account on my consumer report ( XXXX XXXX XXXX XXXX. I have filed a identity theft report with the FTC reporting this theft of my identity being compromised. I have also requested for Experian and XXXX to provide me with proof that I owe this debt by providing me with the original contact and neither party has provided me with that proof. Per FCRA laws they have to provide to me any proof of this debt that they claim I owe.

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