vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 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: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX PARK XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX OF XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired XXXX XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX put a negative mark on my credit for payment return from my bank. This was in 2021 during covid and I did explain to XXXX at the time that my bank card had fraud done so my bank put a stop on payments and XXXX happen to be one of them. This happen twice. Each time I let XXXXXXXX XXXX XXXX  what was going on and when bank was cleared I did make the payments. XXXX still put this on my credit and refuses to take it off. I want this off my 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 explanation
Consumer complaint received 2023-03-09 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: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired XXXX XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
XX/XX/2823 I deposited a check from XXXX XXXX stating that i just needed to deposit to the money was online called the bank that the check was drawn off of they stated it was not fraud so i deposited it the bank cleared it Then they Told me if I didn't send money back to them that they were going to be able to help me again.. On XX/XX/XXXX received another check deposit it again was told to send money back to them but this time it was if I didn't They were gon na come after me So of course I send the money back to the person ... A few days later my bank realized that these were altered checks... Bringing my account negative I am now - {$6100.00}. 
I am a XXXX mom of XXXX children who is leaving a domestic violent situation when you hear those things as a victim you tend to get intodier fighter flight mode I thought I was doing the right thing turns out it was a scam cash up ended up getting Then paid The money I sent to them but now I am struggling to get the money back to put back into my bank account and since then my bank account has taken my Washington State tax retuand apply it towards my negative account this is not fair and I'm getting daily charges and I can not afford it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Radius global solutions attempted to collect {$72.00} from me without any calls and mailed bills. I called them to sort things out and was told XXXX XXXX was where the bill originated. I called XXXX XXXX and the staff was unable to figure out how this happened. I checked my credit score a day later and it magically disappeared from my credit report. I also disputed this matter about 2 weeks ago. While the collections is gone, my credit score remains XXXX points lower.

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 2023-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I opened up a account with XXXX and immediately notice the loan mart account because I have never had a auto loan with loan mart never so I called them and spoke to a guy name XXXX XXXX and I was talk to him and gave him the account number XXXX and he asked me my name and I told XXXX XXXX XXXX and he immediately told me that this account belonged to a XXXX XXXX so i asked him why was it reporting on my Credit report and he stated that he had no idea and every time i call now they act as if they have no information or they don't time or try to rush me off the phone so something isn't right so please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc.
State: CA

Complaint narrative:
i got a letter from unifin that i owe XXXX and i do not owe any company any money. 

im gon na also dispute this account by mail and by email and im filing cfpb report. 

you cant put a collection on my credit report that i do not owe i already have a ftc report and police report and ill dispute it with XXXX  and XXXX and XXXX  if you try to be sneaky i might even file a small claims in court easy money per fcra laws XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: IL

Complaint narrative:
we just got just 2 situation that all i need to be clear. 
first i call they told me. that the XXXX XXXX XXXX  account is not showing on my report. that it was deleted. bout i do have membership with Transunion credit monitor service. they told be it was of my credit and i pull my credit report and it still show only and on my report. request this account to be deleted like it was delete. 
2 they told they will delete all this inquiries. that i have attach ones they get the document from FTC they have it more then one month ago. THEY STILL HAVE NOT REMOVE THOSE INQUIRIS. 
THIS IS ALL I NEED TO GET CLEAR. MO MORE NO LESS. 
HERE COPY OF MY CREDIT REPORT FROM TRASNUNION SHOWING THAT THEY STILL HAVEN REMOVE THIS INFORMATION. 
IAM A VICTOM OF XXXX XXXX BREACH...

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 2023-03-09 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: TX

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX 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 XXXXXXXX XXXX XXXX : {$910.00} XXXX XXXX Original creditorXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX Original creditor XXXX  XXXX Balance : {$230.00} XXXX  Original creditor XXXX  XXXX  XXXX XXXX Balance : {$1600.00} XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX : {$97.00} XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX/XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXInquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX 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 explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: MD

Complaint narrative:
To Whom It May Concern : I'm a recent victim of identity theft and fraud. I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed NCB MANAGEMENT SERVICES that I wanted a little more explanation on, and they need to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXXXXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. IF YOU DO NOT REMOVE I WILL SUE YOU IN COURT FOR DEFAMATION OF CHARACTER. 

FTC IDENTITY THEFT Report Number : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .AND STOP REPORTING THIS FRAUD ACCOUNT. 



COLLECTION ACCOUNT : NCB MANAGEMENT SERVICES Account Number : XXXX delete it from my credit report Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. There are items in my credit report that is erroneous and I feared that it may reflect a negative impact on my scores if they remain. I need these items to be removed or blocked : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX A XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$590.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX  XXXX Balance XXXX {$590.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance XXXX {$180.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX DC XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX Please find the ATTACHED documents to assist in blocking the erroneous items which are being posted to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I inquired to the school about getting my XXXX in XXXX I stated to the financial aid people that I wanted to pay out of pocket they stated to me several times no problem and then sent my information over to XXXX XXXX XXXX XXXX. So they took my out-of-pocket application money via my debit card and continued to send my information over that I did not agree with I never started class I never went to school we were just simply putting the paperwork together two days later XXXX XXXX XXXX XXXX  was trying to debit my account and I called the school back and they said they would fix it but they never did. now this company is trying to force me to pay for a school I never went to, never took a class in and charged me for it. I have talked to them several times but they told me I have no other choice but to pay for it. I have informed the school that they were dishonest and lied to me and I will report all of this to higher education this occurred in XXXX of XXXX the amount is for {$4200.00} the school is distant learning center and I spoke with a XXXX and Client Services/ the company is XXXX XXXX XXXX XXXX XXXX XXXX the person that I spoke with is XXXX. I am continue to be harassed every other week with phone calls it has been placed on my credit report and they're talking about suing me I've never went to school there I've never taken a class there and I don't feel that I should have to pay for anything that I've never done I don't care what agreement we were trying to do I have never ever used this company and I never wanted this company so I should not be pressured into anything

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 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX  XXXX, My new set of ordered checks got stolen. As a result, there were fraudulent check written out. On XX/XX/XXXX check # XXXX, amount of {$800.00}. On XX/XX/XXXX check # XXXX, amount of XXXX. On XX/XX/XXXX check # XXXX, {$1200.00}. On XX/XX/XXXX, check # XXXX, {$900.00}. On XX/XX/XXXX, check # XXXX, {$3400.00}. On XXXX, check # XXXX, {$3500.00}. I have contacted my bank multiple times in the past, only answers are working on it. It have been almost a year now. My claim ID # is 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 monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My brother passed away XX/XX/2021. He was born, lived, and died in Colorado. As the Administrator for his Estate, I opened probate in Colorado. His IRA with Bank of America was closed as part of the settling of the Estate. Bank of America withheld money from the account for tax purposes, but instead of sending the funds to Colorado, they sent the withholding to California. I had to take money from estate funds to cover the amount owed to Colorado, as they wouldn't wait to be paid. Bank of America tells me it's my problem, and I have to retrieve the funds from California. California says Bank of America needs to correct their mistake. The amount is {$1300.00}. It's not a lot of money, but I can't close probate until the money is returned.

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 2023-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My well Fargo Bank has been Stealing from me this has happened 5 times and now have put a hold on my money and Refused to let me close my account i have over {$4000.00} in there the have already taking XXXX. XXXX out of my personal and. and again XXXX two time they had my business account neg. XXXX moths XXXX XXXX up until now XX/XX/XXXX today I got my income taxes and they put A hold on my money and will not return it they made a false claim up and said i told them to open a fraud claim i never gave this person permission to use my info went to close my account today XX/XX/2023 and was refused to be giving my money and close my business after someone on inside keep Robbing me and lying saying they were going to return my money and never did they waited until i got more money to pay the money they took form my business account they have taking over XXXX dollars from me disrespect me and mentally hurt me I have spoke to claims fraud department about my money as well as self who the bank say they gave my money to but than slip up and said that self retuned the money but it was never returned to my account at all. I need My Money Please Help They Forcing me to bank with them by not letting me close my account and holding my money as well as not returning all money they stole prier to Today. And Today I will be calling police to do a report XX/XX/2023 Thank you They even lied about the claim date the problem is I never opened a claim I ask a question if money pending was mine as a business bank loan or was that money indeed sent in good favor the took my money

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 2023-03-09 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
To Whom It May Concern : I'm a recent victim of identity theft and fraud. I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed 2 NAVY FEDERAL CREDIT CARD ACCOUNTS that I wanted a little more explanation on, and they need to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXXXXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE ACCOUNTS LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC Report Number : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



CREDIT CARD COLLECTION XXXX : NAVY FEDERAL CREDIT UNION CREDIT CARD ACCOUNT NUMBER XXXX XXXX  BALANCE : {$8400.00} delete it from my credit report & STOP REPORTING CREDIT CARD COLLECTION 2 : NAVY FEDERAL CREDIT UNION CREDIT CARD ACCOUNT NUMBER XXXX XXXX  BALANCE : {$6200.00} delete it from my credit report & STOP REPORTING Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation