vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
XXXX account was opened on XX/XX/2022 at XXXX XXXX ( XXXX XXXX XXXX, XXXX, IL ) using my personal information. Valid ID was used and SSN required to open this account. 

I received a bill from XXXX initially in XXXX but I do not have XXXX XXXX and the paperwork did not appear legitimate so I got rid of initial bill. I received a second bill in XXXX which prompted me to call XXXX customer service and was in touch with their XXXX department. At that time I reported that it was not me who opened the account or me who uses their services for my cell phone. The representative stated they open an investigation ticket and reported that there was no balance for the month of XXXX at that time. 

XX/XX/2022 I received a bill from a collections company called " The CBE Group, INC '' for an amount owed to XXXX XXXX of {$5200.00}. I then called XXXX XXXX again to learn that nothing was ever done about my first Fraudulent report done in XXXX and I began the process again yesterday. I went to my local police department an filed a police report. I also notified CBE Group that this was not my debt and that my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity bank calls me from different phone numbers in different states. They called me yesterday XXXX times. Theyve already called me twice this morning and its only XXXX XXXX locally. They call when I am at work repeatedly and its going to make me lose my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
Sunday XX/XX/XXXX I accidentally added a XXXX dollars to my Cash App account. I added it twice because I received a error message stating ( My transaction could not be completed they I I would be notified when it was completed ) on the first attempt. I sent XXXX to my friend and requested a cash out on the other XXXX. I was prompt to pay XXXX for instant deposit and free if I waited until Tuesday. I chose to wait and my other money was sent to an account that I havent used in since XXXX. I explained that to Cash app customer service reps and they continue to act like This is my fault and when I asked for there supervisor or any information they hang up. I still dont know how to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 2022

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 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I, XXXX XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1 ) Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation

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 2022-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2022-08-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KAHRS LAW OFFICES, PA
State: KS

Complaint narrative:
I recieved a garnishment order for a little over XXXX $ from XXXX XXXX XXXX XXXX. XXXX i was garnished 100 % of my wages and my payroll company said that was considered paid. I recieved no written documentation stating that they were taking a settlement. Now i can not pay rent or my bills or car payment. I've been trying to call the law office for 2 weeks and have recieved no call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
A scammer got into my email account and had passed as a landlord and credit card settler. They manipulated my family and I to send them money via XXXX. Telling us it would cover the landlords monthly payments and the debt owed to a gas credit card company. Total taken was {$6200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: GA

Complaint narrative:
I'm currently having an issue with Transunion, XXXX and XXXX reporting accounts on my credit that I did not consent to be reported. According Federal Credit Reporting Act Rule 604-permissible purpose of consumer reports. '' the consumer shall have consented, orally, in writing, or electronically. I did not consent or agree with the companies listed below to report any of my information to the credit bureaus. 
-Members XXXX XXXX XXXX acct no. XXXX -Members XXXX XXXX XXXX acct no. XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX ACCT NO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCT XXXX These companies listed above are violating my rights as a consumer.

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 2022-08-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
XXXX XXXXXXXX Bank On XX/XX/2022 have been charged me Interest and late fees all the way up too XX/XX/2022 for XXXX dollar for No Transaction have not been done since XX/XX/2022 was my last purchase And my account is paid in full.. I haven't used my over XXXX months and I received a bill of XXXX dollars for None purchase, I was charge for not using my. Card every month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I called Equifax on XX/XX/XXXX regarding removing a remark/comment that was added to my XXXX  account for some reason the agent deleted the whole account the next day off my credit profile without even doing a proper investigation that should take at least " 30 days according to the law '' as they should because if they did, they would've known that this was a factual account with over 10 months positive payment history, my score dropped XXXX points putting me in a bad spot now being that I'm in the process of financing a home and now because of Equifax I'm not qualified anymore because of the score decrease, if you check my XXXX and XXXX report XXXX account is present on both bureaus and i have all the proof in the attachments below

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: PA

Complaint narrative:
Experian credit reporting agency has been reporting inaccurate and misleading information on my report for several months now. In accordance to the Fair Credit Reporting Act 15 USC 1681 ( 3 ) Experian has a vital role in assembling and evaluating consumer credit, with a need to ensure they're exercising their grave responsibilities with fairness, impartiality, and respect for consumers PRIVACY 15 USC 1681 ( 4 ). Experian has not respected my rights, they were unfair, partial, and furnished these accounts without my consent. Pursuant to 15 USC 1681b ( 2 ) the CRA may only furnish in accordance with written instructions of the consumer, in which I did not give authorization nor consent. Remove these inaccurate accounts IMMEDIATELY and DO NOT open a dispute.

This is Aggravated Identity Theft per 18 USC 1028a, you're transferring and utilizing my information with these 3rd party debt collectors without lawful authority or giving the chance to opt out per 15 USC 6802 ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the FCRA XXXX Please REMOVE fraud alert 48 hours AFTER initiation. 

Block the information contained within the Identity Theft report & within this complaint in accordance with 15 USC 1681c-2, contained here is 1. Appropriate proof, my drivers license 2. The Identity Theft report 3. Information that shall be removed by law 4. My statement informing you this I the natural person/consumer have no info relating to transactions. Also in accordance to the IRS defines " Charge Offs '' as income and income should not be reported on a Consumer 's report, there was also no legal claim without validating the alleged debt, therefor no grounds to charge off.

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 2022-08-18 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:
I, XXXX XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1 ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX - XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX  XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: GA

Complaint narrative:
I'm currently having an issue with XXXX, XXXX and Equifax reporting accounts on my credit that I did not consent to be reported. According Federal Credit Reporting Act Rule 604-permissible purpose of consumer reports. '' the consumer shall have consented, orally, in writing, or electronically. I did not consent or agree with the companies listed below to report any of my information to the credit bureaus. 
XXXX XXXX XXXX XXXX acct no. XXXX -XXXX XXXX XXXX XXXX acct no. XXXX -XXXX XXXXXXXX XXXX XXXXXXXX XXXX  ACCT NO XXXX XXXX -XXXX XXXX XXXX ACCT NO XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCT NOXXXX These companies listed above are violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm currently having an issue with XXXX, Experian and XXXX reporting accounts on my credit that I did not consent to be reported. According Federal Credit Reporting Act Rule 604-permissible purpose of consumer reports. '' the consumer shall have consented, orally, in writing, or electronically. I did not consent or agree with the companies listed below to report any of my information to the credit bureaus. 
-XXXX  XXXX XXXX XXXX acct no. XXXX -XXXX XXXX XXXX XXXX acct no. XXXX -XXXX XXXXXXXX XXXX XXXXXXXX XXXX  ACCT NO XXXX XXXX -XXXX XXXX XXXX  ACCT NO XXXX -XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ACCT NOXXXX These companies listed above are violating my rights as a consumer.

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 2022-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: TN

Complaint narrative:
In XX/XX/XXXX, my mortgage loan was sold to a company SN servicing corporation. Since my loan was sold, I have not received any communication vis mail or email regarding billing statements or my loan terms. I have submitted several requests for a copy of my billing statement so I can begin to make mortgage payments. requests were submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no response from lender. There is no indication of any loan terms on the company website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im a consumer federal agent my client XXXX XXXX XXXX has been a victim of identity theft and he file disputes several times and still no result I dont need to remind you of your job In accordance with the fair credit reporting act XXXX  account # XXXX Has violated my right 15 U.S.C 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 Also state s consumer reporting agency can not furnish a account without my written authorization If you failed to respond within 30 days we will take legal actions because youre breaking big violations

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 2022-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/22 at around XXXX XXXX EST, so I was notified by Discover Bank that there was fraudulent activity on my bank accounts with them and that my accounts were suspended and to call to get straightened out. I called and was told that there was no fraudulent activity but that they decided to close my account due to a business decision made by the bank. My accounts are now locked and frozen and they are refusing to send my funds to me, holding for 60 days, so have left me penniless. They are refusing to tell me why they made this decision as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a hard inquiry from Bank of America on XXXX XXXX. I had no reason to inquire with them.

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 2022-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On Friday XX/XX/12 I transferred a total of {$31.00} from my bank to my Cash App account. I later attempted to cash out the funds to another of my debit cards for spending purposes. I began to get this cash out failed error over and over and this has been ongoing for the past 6 days. I made contact by phone and chat support to no avail. This morning I called again and was told my account was randomly frozen and they never bothered to contact me regarding this matter when they have my email, phone number and an internal mailbox where they can message me directly. I have been a longtime user of Cash App and Ive NEVER partaken in any fraudulent activity or had any fraud incidents, so I would expect at minimum a courtesy text or email that my account was frozen for safety. I dont feel like this was done with me in mind and this has been the worst experience so I will not be using this platform moving forward. After all this they are still refusing to make my funds available even after theyve been notified of my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This is regarding my XXXX XXXX XXXX XXXX XXXX credit card. 

XXXX has sent me a statement validating the account was never past due. 

Experian is showing this account was 30 days late as of XXXX of 2021. 

The account was opened on XX/XX/2021 - the XXXX payment wasn't due until XX/XX/2021 - therefore it was impossible for the account to be past due in XXXX of 2021.

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