vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
They keep calling asking to speak to someone I do not know and I have asked them to stop. They repeatedly call my number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: CA

Complaint narrative:
The following creditors are reporting accounts that were opened fraudulently without my consent or knowledge. 

XXXX XXXX XXXX XXXX account # XXXX {$1900.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$1400.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$55000.00} opened on XX/XX/XXXX XXXX XXXX account # XXXX {$1700.00} opened on XX/XX/XXXX XXXX XXXXXXXX XXXX  Account # XXXX {$690.00} opened on XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 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: IL

Complaint narrative:
Experian has sold my information to other company with someone is using my credit with a different number ending in XXXX witch I never had a number ending in. That at All and information also someone has my information to where I have to switch out all my debit cards and bank account also going to places where I use my number it pops up as other people

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 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
To whom it may concern : Experian. 

The late payment status on this account is invalid and inaccurate you must have maximum accuracy in reporting. 
Please delete if you fail to verify I demand you show supportive documents that your reporting is accurate and show that Ive been late this is a violation of your 15 USC 1666 b which violates my rights. 


XXXXXXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Last reported XX/XX/XXXX {$2000.00} Open balance {$1500.00} XXXX. Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX ( Finance XXXX XX/XX/XXXX XX/XX/XXXX Inquiry details XXXX, XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Account info Account name XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$13.00}, XXXX written off. {$13.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$12000.00} Highest balance {$13000.00} Terms XXXX. XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : - Comments : - Contact Info : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Credit card XX/XX/XXXX Closed Account charged off. {$1700.00} written off. {$2000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XX/XX/XXXX {$1500.00} {$2000.00} {$2000.00} Individual Sincerely 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 2023-08-17 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: VA

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-17 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: GA

Complaint narrative:
I have been a victim of identity theft. I was unaware for a long period of time because I did not know anything about my credit. My data has been breached in several locations. I was also informed that it has been listed on the dark web. I have reached out to creditors to resolve this issue. Somethings have been removed but there is still a vast amount of accounts that are still being reported that I have never owned or applied for. I have reached out to all 3 credit bureaus I have already submitted an identity theft report to the federal trade commission. Now I am making a formal complaint with you all. I know that I have a right to the fair credit reporting act under code 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies. Which means if this debt does not belong to me it has to be removed these accounts include XXXX XXXXXXXX Opened date XXXX XXXX Amount {$450.00} XXXX XXXX Opened date XXXX XXXX Amount {$610.00} XXXX XXXX Opened date XXXX XXXX Amount {$170.00} XXXX XXXX opened date XXXX XXXX Amount {$230.00} XXXXXXXX XXXX Opened date XXXX XXXX Amount {$2600.00} XXXX Opened date XXXX XXXX No amount XXXX XXXX XXXX Opened date XXXX XXXX Amount {$930.00} XXXX XXXXXXXX XXXX  Opened XXXX XX/XX/XXXX XXXX XXXX Opened date XXXX XXXX Amount XXXXXXXX XXXX  DATE OPENED XX/XX/XXXX Amount XXXX Original credit XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX Amount {$450.00} Original credit XXXX XXXX XXXX XXXX XXXX I was unable to add all accounts on my identity theft report but this is everything

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 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/23 I paid {$350.00} to XXXX XXXX XXXX in XXXX Virginia. That day and every day after the merchant and their tech support has tried to find the funds as it was not received in their system. I have tried to contact cashapp to research the obvious glitch that merchants are not receiving payments showing completed and deducted from consumer balances. They have hung up and refused to investigate including trying to have me complete a dispute form choosing a incorrect reason ( which is fraudulent and not truthful and will cause them to close my account and never research anything ). Please fine cashapp a violation of fair and transparent financial transactions. Also investigate how many other they have done this too. I cant dispute a valid and authorize charge I received the goods and services for but the merchant didnt get there funds and cashapp wont fix issue. My phone number is XXXX, cashtag XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I opened the Best Buy credit card account to purchase a laptop for about {$650.00} at the Best Buy store in XXXX of XXXX. I was barely using my card at that time. Made small purchases at gas stations and fast food places. The Citi bank never mailed me paper statements since I opened an account. In the summer of XXXX, I got a bill stating that I owed {$4600.00}. I tried to call the bank numerous times, talking to a lot of different representatives about it. I was told that the charges were made on onlyfans.com site. I asked to mail me a transaction history. I received it in the mail. The statement listed multiple charges in different amounts on the same website within a few minutes at different dates. I called back the bank to notify that those charges were not mine. The Bank failed to recognize and notify me of the fraudulent activities that were going on my account during the Fall and summer of XXXX. I asked to connect me with the Security operation department to open an investigation. I made a few payments on my card while waiting. In XXXX of XXXX I received a letter from the Security operations department notifying that the investigation was completed and the disputed charges were removed from my account. Unfortunately, the letter did not provide any details on the amount of the removed disputed charges. I was not able to access the Citi bank website to view the information online, because the site does not recognize my credit card number. The card is no longer active. I received another bill afterwards, stating that I still owed {$4600.00}. I also received a letter threatening legal actions if I don't pay that amount. When I call the Citi bank by using my social security number, it automatically transfers me to the XXXX XXXX XXXX that is trying to collect the debt. The debt is not mine! I appreciate your assistance in this matter.

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 2023-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: MA

Complaint narrative:
I was served Civil Lawsuit paperwork from a lawyer representing Velocity Investments , LLC. The lawsuit is for a little over {$7000.00}. I've never heard from anyone at Velocity Investments prior to the lawsuit complaint.

After requesting the documentation regarding the account from the lawyer it appears to be a loan taken out and then later sold to Velocity Investments after default.

I was not aware this loan existed, and have yet to be contacted by Velocity Investments at all regarding this account. The only contact I have had was through the lawyer in the dorm of responses to court documentation requests.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
In accordance with the Fair Credit Reporting act You are reporting the wrong address of XXXX XXXX XXXX XXXX Ohio XXXX, attached is my proof of my address delete and remove all address thats reporting in error only XXXX address should be reporting XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX, XXXX ACCT # XXXX XXXX ACCT 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 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, has violated my rights 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2022, I became a victim of identity theft and fraud. I initially received a phone call from an XXXX number stating they were a Citibank representative and that someone was attempting to make a purchase of over {$500.00} in another state. I continued the conversation stating I did not make those purchases. At this time the representative continued to tell me that a few different transactions had occurred while on the phone with them. In summary, a loan was applied for online for the amount of {$4100.00}, approved and then put into my checking account without any knowledge or consent from me prior to this phone call. After that initial transaction, multiple transactions occurred that left me with {$0.00} in my checking account and an overdraft amount of {$420.00}. When I called and spoke to a real, true representative, I was met with a slew of denials and months of agonizing stress and financial hardship and no communication available to me to resolve my situation and get my money back that was initially in my account. This includes any branch that I went to in person. Since then, I have been hacked again with the same bank, changed accounts twice and now have closed my account to open with another bank. I have also been sent to collections for not agreeing to pay the overdraft amount fee when they gave me back the wrong amount of money that I never took out or applied for a loan in the first place. I finally went to a branch, where an associate had canceled the overdraft fee and payment that was supposedly owed, however when I continued to get letters from collection agency 's, I went to the XXXX of that branch to be told they fired the employee who told me she closed the payment that was supposedly owed. The XXXX then told me she would look into the situation. Months later, I return to find out she did absolutely nothing and it's out of her hands. She claims an amount was returned to me that I was supposed to send back but I never received a phone call or email stating this. I have phone records and documentation to back up everything. My credit score has fell and I am extremely unhappy with the way I was treated after being with Citibank for more than XXXX years. I do not want anyone to go through what I did after being a victim of identity theft and fraud.

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 2023-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: GA

Complaint narrative:
I am a regular user of the GA XXXX XXXX XXXX lanes on the XXXX XXXX XXXX I have XXXXXXXX XXXX  transponder # XXXX permanently affixed to my car 's dashboard ( Plate XXXX ) and use it regularly. 

On XX/XX/2021, A highway RFID sensor failed to read my XXXX XXXX transponder. A toll violation was created in error, and the debt alleged by PAM is provably invalid. 

Professional Account Management has bought the debt for this alleged violation from the Georgia State Road and XXXX XXXX. I sent PAM certified mail ( USPS XXXX XXXX XXXX with evidence that the transponder was installed and active during the days surrounding the alleged incident and the debt was invalid.

PAM rejected the certified mail in an act of willful blindness. They have been unresponsive to attempts to communicate over the phone during regular business hours. 

PAM is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) Using deceptive methods to collect debts U.S.C. Title 15, 1692-1692p. It is also in clear violation of the Georgia Fair Business Practices Act O.C.G.A. 10-1-390 to 10-1-406, which prohibits firms from engaging in unfair or deceptive acts or practices in the collection of consumer debts. 

Attached to this complaint is a transaction report document showing that transponder XXXX  XXXX was installed and active during the days surrounding the alleged violation. There is also a document showing that USPS certified mail # XXXX was rejected by PAM, in an act of willful blindness not compliant with consumer protection laws. 

The attached pictures prove that XXXX XXXX transponder # XXXX is permanently affixed to the car with GA plate XXXX. The attached transaction report shows that this transponder was active and used with the GA XXXX XXXX on dates surrounding the alleged 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 explanation
Consumer complaint received 2023-08-17 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: GA

Complaint narrative:
I have been a victim of identity theft. I was unaware for a long period of time because I did not know anything about my credit. My data has been breached in several locations. I was also informed that it has been listed on the XXXX XXXX. I have reached out to creditors to resolve this issue. Somethings have been removed but there is still a vast amount of accounts that are still being reported that I have never owned or applied for. I have reached out to all 3 credit bureaus I have already submitted an identity theft report to the federal trade commission. Now I am making a formal complaint with you all. I know that I have a right to the fair credit reporting act under code 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies. Which means if this debt does not belong to me it has to be removed these accounts include XXXX XXXX Opened date XXXX XXXX Amount {$450.00} XXXX XXXX Opened date XXXX XXXX Amount {$610.00} XXXX XXXX Opened date XXXX XXXX Amount {$170.00} XXXX XXXX opened date XXXX XXXX Amount {$230.00} XXXXXXXX XXXX Opened date XXXX XXXX Amount {$2600.00} XXXX Opened date XXXX XXXX No amount XXXX XXXX XXXX Opened date XXXX XXXX Amount {$930.00} XXXX XXXX bank Opened XXXX XX/XX/XXXX XXXX XXXX Opened date XXXX XXXX Amount XXXX XXXX DATE OPENED XX/XX/XXXX Amount XXXX Original credit XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX Amount {$450.00} Original credit XXXX XXXX XXXX XXXX XXXX I was unable to add all accounts on my identity theft report but this is everything

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 2023-08-17 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: GA

Complaint narrative:
I have been a victim of identity theft. I was unaware for a long period of time because I did not know anything about my credit. My data has been breached in several locations. I was also informed that it has been listed on the XXXX XXXX. I have reached out to creditors to resolve this issue. Somethings have been removed but there is still a vast amount of accounts that are still being reported that I have never owned or applied for. I have reached out to all 3 credit bureaus I have already submitted an identity theft report to the federal trade commission. Now I am making a formal complaint with you all. I know that I have a right to the fair credit reporting act under code 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies. Which means if this debt does not belong to me it has to be removed these accounts include XXXX XXXX Opened date XXXX XXXX Amount {$450.00} XXXX XXXX Opened date XXXX XXXX Amount {$610.00} XXXX XXXX Opened date XXXX XXXX Amount {$170.00} XXXX XXXX opened date XXXX XXXX Amount {$230.00} XXXX XXXX Opened date XXXX XXXX Amount {$2600.00} XXXX  Opened date XXXX XXXX No amount XXXX XXXX XXXX Opened date XXXX XXXX Amount {$930.00} XXXX XXXXXXXX XXXX Opened date XX/XX/XXXX XXXX XXXX Opened date XXXX XXXX Amount XXXX XXXX DATE OPENED XX/XX/XXXX Amount XXXX Original credit XXXXXXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX Amount {$450.00} Original credit XXXX XXXX XXXX XXXX XXXX I was unable to add all accounts on my identity theft report but this is everything

Company response to consumer: Closed with non-monetary relief