vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 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: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8100.00}, {$17000.00}, {$450.00}, {$28000.00}, {$10000.00}, {$19000.00}, {$7200.00}, {$13000.00}, {$30000.00}, {$19000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- COLLECTION ACCOUNTS XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: TX

Complaint narrative:
I mailed my fraud identity dispute with the FTC report, notarized affidavit and a police report and XXXX and Experian are still reporting information from the result of fraud. Their response to my previous complaint states they are still working on it ; however, the FCRA 605B ( 15 U.S.C. 1681c-2 states the information should be blocked within 4 days. As you can see, this investigation has taken over a year and I keep getting the same response this account is verified. Well XXXX and Experian are in violation at this point and they wont even send me the documents or details that they have to keep verifying these fraudulent accounts. I feel like my disputes are being handled by a machine and they are not following the rules which prevents me from having a fair investigation. I demand proof and to have the accounts listed in the dispute blocked immediately, all 3 bureaus have had much more than 4 days to block this information and finish their investigation. I followed the rules and so should they or there will be a lawsuit filed if I receive the same response again.

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 2021-05-12 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: Receivables Management Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: CA

Complaint narrative:
I have been trying to get items off of my credit report that are in violation of 15 USC 1692g. I reached out on XX/XX/21 about the violations and to date I have yet to hear back in regards to my disputes and it has been over 45 days. I feel as if my disputes are being pushed to the side and I am being taken advantage of. With laws in place stating I must be notified of my debt, I was not and I do not validate this debt as the original creditor. So these items must be removed as I am seeking litigation for defamation. I have even called in multiple times in order to see what is happening with my disputes to no avail and I have exhausted all my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Trying to receive money from my account but won't let me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: DISCOVER BANK
State: IL

Complaint narrative:
Discover closed my account in XXXX they still did not answer who aged my accounts with all the payments til XXXX I demand an investigation as to who made the payments to continue to re- age my accounts who???? made the payments is my dispute. Because why would I make all these payments on a closed account. I demand a legitimate investigation because if I made XXXX  payments what source did they come from. Going to the FTC because this is fraud towards a consumer. Answer my dispute my dispute is who was making all the fraudulent payments on a CLOSED ACCOUNT it is my right to find out this information from DISCOVER THIS IS FRAUD, it is my Right to find out, who when and where these XXXX PAYMENTS CAME FROM aging my account if they came from your report should show what BANK, CREDIT CARD and or Institution they came from. 

DISCOVER IS RE-AGING ACCOUNTS SO THAT THEY WONT FALL OFF PLEASE SOMEONE LOOK INTO THIS. XXXX PAYMENTS ON MY PROFILE NOT WARRANTED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: Receivables Management Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: Local Management, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I looked on my credit report and noticed that there are two alleged debt that hasn't been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: LA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: CL Holdings LLC
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 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: I.C. System, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2021-05-12 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: SC

Complaint narrative:
I have contacted EQUIFAX several times in attempt to remove incorrect and inaccurate information on my consumer file. I have been harmed from there improper use of my consumer report by reporting and sharing my non public information without my consent. I have a late payment on showing on my consumer from XX/XX/XXXX that is incorrect. I have reached out to XXXX XXXX to have them update the information and they sent me a letter per the CFPB apologizing and stating that they would update the information with the CRA 's. However EQUIFAX has not updated my consumer file and is reporting incorrect and inaccurate information which is causing me harm to my character and reputation which is a direct violation of Federal law states pursuant to 15 USC 1681 ( a ) ( 1 ) and 15 USC 1681 ( a ) ( 2 ). EQUIFAX is deliberately breaking the law and reporting information on my credit worthiness that is not accurate. I have attached a copy of the letter that was sent to me from XXXX XXXX stating that they have updated the information dated on XX/XX/XXXX. This inaccurate information being reported is preventing me from using my credit to get approved for financing for a much needed medical procedure. This is unfair and causing me the consumer harm which makes EQUIFAX not be in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, My complaint is with Capital One Bank. I am a sole proprietor of an online retail store that started in XX/XX/XXXX. I applied for the SBA PPP loan in XX/XX/XXXX to help continue business operations. I was approved and had my funds deposited into my person checking account because I do not have a business checking account. The funds were deposited on XX/XX/XXXX to my XXXX Capital One Checking Account. As I began to use the funds to make payments my account was placed on hold. I was not able to withdraw money or use my debit card. The bank stated they have to verify that my business was legitimate. Though this was already verified through the SBA, I complied and sent over my XXXX Tax Return, which included my Schedule-C for my business, my loan agreement, my EIN letter, and link to my website. Each time I call they state they are still investigating but I believe this is untrue. There is nothing further to investigate if the question is of legitimacy of my business. I have provided more than enough evidence to validate its existence and operations. 

It is unfair because I am in need of accessing my funds to continue running my business and have a legal right to the funds as well as a financial obligation to pay it back. I also have funds still being deposited aside from the loan that they are also holding from my usage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: Diverse Funding Associates LLC
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2021-05-12 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 sent a letter regarding On XXXXThere have been fraudulent Inquires on my credit report. to this day over 60 days later I have not received a response yet. please remove the Inquires from my credit report They should be deleted before further action is taking I will file for litigation. Please resolve this matter I feel I'm impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2021 around XXXX central, my PayPal account was illegally accessed, and all of my savings were converted to USD from BTC. The perpetrator ( s ) then transferred the funds to another account of mine that was hacked as well on XXXX XXXX. The perpetrator ( s ) also attempted to siphon two payments from two other hacked PayPal users, under the guise of my identity. The two individuals received their funds back, but I have not. PayPal appears to have done an improper investigation, and has barred me from services, and most importantly, has frozen my account for up to 6 months, including my social security. PayPal does not acknowledge the events as fraudulent, and has instead punished me, the primary victim. Not only have I lost my savings, but my social security check for XXXX is being withheld from me, and that is a hindrance to my survival. Again, I have done nothing wrong. Someone usurped my account, and successfully attempted to profit from illegal gains. I trusted PayPal ; they have mishandled my funds, refused to acknowledge what occurred, and left me with the damages of a crime. I am XXXX, they have not reimbursed for the theft, and they are currently withholding my social security for no apparent reason. There has been no further illegal activity, aside from this atrocity.

Company response to consumer: Closed with explanation