vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-13 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: Velocity Portfolio Group
State: VA

Complaint narrative:
CKS PrimeXXXX XXXX XXXX XXXX continues to list the following account as a " XXXX '' on my credit reporting causing continuous injury. 

This account was opened fraudulently, and the original creditor, XXXX has accepted this identity theft claim and are requesting that the credit bureaus remove this account. See attached letter from the original creditor. 

The " XXXX  '' is trying to collect on a debt that the original creditor has deemed as opened fraudulently. Wouldn't the original creditor have the best information? 

This is not legal!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
We moved to our current address and decided to go to XXXX to purchase cell phones. We did and we were promised that we would have perfect service at our address. We get home and sure enough we did not have ANY service at our house. We called and went to store were told we had to try a XXXX XXXX XXXX  at our house to help the signal. Waited for that to come in the mail all while not having a phone that worked. 
XXXX XXXX finally arrived paid an electrician to install device. The cell spot booster DID NOT HELP. So we went to store told them about the issues again. Spoke to managers. He said to call XXXX again. 
Called XXXX let them know we are not able to use our new phones anywhere on our property. Spoke to numerous individuals many different days purchased internet boosters for our house to see if that would help. Nothing we tried worked. So we had no choice but to return all equipment and cancel phone plans. I was promised by many XXXX personnel that the charges would be taken off and account closed. Finally spoke to manager XXXX on XX/XX/XXXX over the phone and said there would not be anything charged or anything pending on the account. To ignore anything that comes in that I was not liable. 
Started to receive collection letters from Convergent as well as bills from XXXX and negative hits on my credit report. Continuing to call XXXX to advise that I was told account was going to be closed and all changes dropped. Still has not happened. Spoke to XXXX  XXXX, XXXX XXXX and Finally XXXX all at XXXX. Besides going to the store 3x spoke to XXXX and XXXX. 
Spoke to XXXX at customer service again last week she said she would escalate issue because she saw the notes in system and no usage on any of the cell phones or plan and that a manager would call me back. Called back yesterday and was told they couldnt do it on their end that I had to call convergent to file a dispute package. 
So here we are. I do not owe this company and have never had a negative credit report. I pay my bills. If I were responsible for these charges I would have paid. But refuse to pay when I was told just return and nothing will be charged if I didnt have service at our house. I returned all equipment to XXXX and verified it was received by them. I am Not responsible for this debt.

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 2022-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: OK

Complaint narrative:
US Bank is not providing paper or e-statements for one of our loan accounts. When contacted on XX/XX/2022 the bank informed us it was because the loan was setup on autopay but the other loan we had with them was also on autopay and the statements were accessible. We were not provided a resolution and an " escalation '' was submitted with a promise of response within a few business days. Based on prior experience and escalations I do not believe we will receive a response or resolution to this error. This bank is in clear violation of regulations requiring periodic statements with no sense of urgency to correct the problem. This bank has a reputation of not following through or providing a resolution when issues are reported to them so I am forced to submit the complaint here in hopes that they will be held accountable.

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 2022-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
An Alaska XXXX/Bank of America credit card was opened in my name. I received texts from BofA asking if I authorized a purchase but I thought it was a phishing ploy. I received a call from BofA asking me to pay on my account, which was the first awareness that a card was opened with my credentialsSSN, Address, Phone, etc. 
I explained to BofA that the account was not opened by me. They closed the acct and told me to freeze my credit with the three reporting agencies, which I have donenot easily, Ill add. quivax couldnt get my address correct when I had just put it into their system. The confirmation letter of my account freeze came up with another address for me. 

Wha bothers me is the fact that the reporting companies want people to pay a monthly fee for reporting information. It seems like a conflict of interest to me.

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 2022-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Navient is stating they repurchased my loans from XXXX and XXXX stated they are still my servicing agent for my loans. I transferred my loans to XXXX XXXX in XX/XX/XXXX and I have set up XXXX with XXXX XXXX. Navient is stating they repurchased my loans back from XXXX in XX/XX/XXXX. Fed loans states they are still the servicing agent. Navient has reported the same loans to my credit report and it is causing me to loan as if I own {$240000.00} in student loans which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: IN

Complaint narrative:
I need these hard inquiries removed from my TransUnion credit report as they are all fraudulent. These hard inquiries are listed below. 

XXXX Location XXXX XXXX XXXX XXXX, FL XXXX Requested On XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX Location XXXX XXXX XXXX XXXX, GA XXXX Requested On XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Victim of identity fraud. The company Experian refuses to reimburse for Identity Theft Insurance that was mentioned to me before initially signing up

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 2022-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
In accordance with the fair credit reporting act Everything has to be 100 % accurate on my credit report The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last reported is inaccurate, and the list goes on. That is grounds for removal. 


n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX with Account name : XXXX XXXX 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

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There's so much going on with fraud and ID theft, and now that I'm paying closer attention to my report, I want to be sure it's accurate. I sent a letter to the bureau with attachments CLEARLY showing my name and address ( State ID - Social Security Card - Bill ). I don't understand why the corrections haven't been made.

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There's so much going on with fraud and ID theft, and now that I'm paying closer attention to my report, I want to be sure it's accurate. I sent a letter to the bureau with attachments CLEARLY showing my name and address ( State ID - Social Security Card - Bill ). I don't understand why the corrections haven't been made.

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 2022-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I was trying to add my car to the insurance company XXXX, they in turned tried to charge me XXXX and something to add a car that my policy was almost up and I told them never mind and I would get me some more insurance and I did with the XXXX  paying way less than XXXX something to add a car and they still ended up trying to charge me to add the car to my insurance and now has come after my credit by putting it in collection with my credit companies using the collection agency of Caine and Weiner and all this messing up my credit for car insurance I didnt have with them but with another company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I had money XXXX transactions coming out of my bank account. Wells Fargo decided to pay the largest of these transactions so they could collect fees on the other XXXX transactions. This is not allowed by law. I also did not authorize them to pay bills without any funds in the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
REPORTING WRONG ADDRESS. 

To Whom it May Concern : XXXX XXXX I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX  XXXX Please update my name to : XXXX XXXX XXXX My only Social Security Number is : XXXX My only and correct date of birth is : XX/XX/2001 Please remove all other addresses off my report as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account name : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) with 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

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 2022-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I REQUESTED FOR MY FREE CONSUMER REPORT AT XXXX ON XXXX. I RECEIVED XXXX REPORT BUT IT DID NOT INCLUED SPECIFIC INFORMATION THAT IS IMPORTANT TO MY DISPUTE. AND I WAS DENIED BY XXXX AND EXPERIAN. WHICH IS A VIOLATION OF 15 USC 1681g AND 1681h.

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 2022-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/22 I went into chase bank located at XXXX XXXX XXXX XXXX XXXX fl XXXX to do an over the counter withdrawal with my XXXX XXXX  card. This is something I do every week at this location so I am familiar with how it works. The teller asked me to swipe my card the her system froze. The teller asked me could I swipe my card again because her system froze the first time and all the information disappeared. I swiped my card for the second time and her system froze again. She then asked me if I could check my net spend balance to see if the money came off my card. I showed her the baking app and text message I received showing the transaction amount {$1400.00} date and time showing the money was taken by CHASE BANK XXXX. She then said her system Was froze and she could not give me the money. I asked to speak to the branch manager who told me I needed to call XXXX  because she was not sure what to do. I contacted netspend while standing in the branch and they confirmed the transaction had indeed gone through in the amount of {$1400.00} at chase bank. They asked me to ask the branch manager to go in and cancel the transaction but she refused. They then said to get a letter or receipt from chase bank showing the transaction did not go through and chase branch manger XXXX XXXX refused both. I asked her how would I be able to prove they did not give me the cash if she doesnt provide me with proof to be able to dispute it or get the transaction reversed. She said she understood but did not know how to assist. She then gave me the number to CHASE customer receive which I called and they told me as the branch manager she should be able to see the transaction went through or provide me with a transaction number or a letter stating the funds were not dispersed but again XXXX refused. The agent over the phone with CHASE stated he would file a formal complaint against the branch manager but still I do not have my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My phone was stolen while unlocked 3 blocks from my home around XXXX, I ran home and tried to use find my XXXX  to locate my phone but was signed out of my device and all my emails. The hacker changed the passwords to all my email accounts. I had my friend call in a police report. The next day, I went to bank and learned the guy used all the money in my checking account. He made 1 ATM withdrawal and spent the rest of my money on XXXX. Not once did the bank ever flag and stop the transaction, despite the fact that all my debit card/account payments are usually scheduled payments to other banking institutions, utilities, or rent. I have never bought personal consumer goods on my debit card that was over {$100.00} in value. 
I filed a police report and fraud claim with Wells Fargo, but my claim came back late last week and was denied. They said it's because they think I colluded with the criminal since he used my PIN at the ATM. I don't know how he got the pin, but I don't have it on my phone or anywhere. I also had my Debit card on my XXXX XXXX so maybe he accessed it that way. It's also annoying because the money he took from the ATM was only 10 % of the total money this man stole from my account. Never have I withdrawed anywhere close to {$1000.00} at once from an ATM, yet no transactions after were stopped by Wells Fargo. In fact, the guy tried overdrafting on my account 4-5 times. I also have filed a police report with XXXX XXXX  in XXXX. The case # 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 explanation
Consumer complaint received 2022-04-13 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: Capio Partners, LLC
State: FL

Complaint narrative:
FRCA Violation student loans DEPT OF ED/XXXX DEPT OF ED/XXXX DEPT OF ED/XXXX DEPT OF ED/XXXX FRCA Violation collection ASSETCARE LLC FRCA Violation inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13 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: IN

Complaint narrative:
These accounts were opened fraudulent and would like them removed from my TransUnion credit report. The accounts are listed below. 

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Balance {$0.00} Date Updated XX/XX/XXXX Payment Received {$8.00} Last Payment Made XX/XX/XXXX High Balance {$8.00} Credit Limit {$750.00} Pay Status Paid, Closed ; was Paid as agreed Terms Paid Monthly Date Closed XX/XX/XXXX Date Paid XX/XX/XXXX XXXX  Account closed at consumer 's request ; CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CHARGE ACCOUNT Balance {$0.00} Date Updated XX/XX/XXXX Payment Received {$0.00} High Balance {$0.00} Credit Limit {$1500.00} Pay Status Current XXXX Paid or Paying as Agreed Terms Paid Monthly

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