vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete the below illegal accounts from my XXXX, XXXX, equifax credit reports XXXX XXXX 30 day late payment XXXX  XXXX XXXX account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting 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:
Requested that the erroneous info be removed as I dont owe the debt, XXXX XXXX did not provide any proof that dent was actually mine and Experian is parroting this incorrect information. Please ask them to remove it.

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 2023-12-03 00:00:00
Product: Credit reporting 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:
On XX/XX/2023 I XXXX XXXX sent in a notice of Identity Theft, request to block and remove a fraudulent tradeline that is reporting on my Transunion Credit Report pursuant to 15 USC 1681c-2, The tradeline is with XXXX XXXX with Account Number XXXX and XXXX. These accounts DO NOT INCLUDE XXXX XXXX XXXX I have attached proof of Notice of Identity Theft, and My Identity theft report from the FTC. Transunion has NOT blocked this tradeline from my credit report. It has since reappeared on my report. This account is to be BLOCKED INDEFINITELY as it was not opened by Me. Please see all of my attachments as proof of delivery and Notice of Identity Theft to Transunion.

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
In XXXX of XXXX I notified American Express Company of a billing error. American Express Company proceeded to close my account without resolving the billing error complaint and without providing proof of a complete and thorough investigation pursuant to section 15 USC 1681s-2 ( b ) of the FCRA.

Furthermore American Express continues to report a charge off on my credit report and to the credit reporting agencies,. 
According to the IRS a charge-off is consider a certificate of indebtness which means that it is income.

According to 15 USC 1681 ( c ) it is illegal to report a consumer 's transaction history, and must be removed.

AMERICAN EXPRESS continues to increase the balance and past due amount in violation of 12 CFR 1026.13 ( 2 ), 12 CFR 1026.13 ( 3 ).

AMERICAN EXPRESS is violating the privacy act of 1974 by disclosing my consumer record to a person, or to another agency without my written request and without my prior written consent 5 U.S.C. 552a ( b ).

AMERICAN EXPRESS is violating 15 U.S. Code 1681 ( a ) by reporting inaccurate information,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/XXXX I originally called mohela to set up an IDR payment plan through the XXXX  program. I make very little money and I was told my payment would be {$0.00} but then they started charging me my old payment amount through auto debit. I did not catch this mistake until XXXX. I called again XX/XX/XXXX and I was told they didnt have my original application for XXXX so we re did it and I was promised payments of {$0.00}. But then XX/XX/XXXX received notice I would be charged {$10.00} a month, even though I make less than {$1000.00} a month which I had been told would qualify me for {$0.00} payments. Each time I have to call them the wait time is insane.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
this company Wells Fargo XXXX XXXX sent me XXXX pages of bank statements and telling me the date someone paid the bill. but they refused to give me what i ask for which is every single item a identity theft victim can request. except for, i don't want no fraud reports on my credit report. i have locks on there. i also want the account remove because the credit bureau says that the company verified it to its maximum accuracy which they didn't and they certified it over XXXX times from XXXX to XXXX XXXX. so i want the account removed, a letter from them showing that I do not owe anything, and a {$20000.00} check which is not even 5 % of what they cost me, not including punitive or statutory damages. im filing next week a demand letter and the beginning of the week after injunction relief and a civil suit for statutory and punitive damages if this is not solved. the XXXX branch of Wells Fargo called me and asked why I was bothering them and my credit is the one stolen and damaged. I'm saving the list of over XXXX violations for the civil suit if it gets to there. I have every record recorded and i will also subpoena their records too. Wells Fargo got caught for XXXX years in a role destroying American people 's lies and their policy should be known at least to cfpb and FTC and it should be changed. delete this account from 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 non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BSI Financial Holdings, Inc.
State: IL

Complaint narrative:
I am trying to avoid foreclosure and am waiting for bsi to get back to me anout the fact they took over a loan that is null and void. My brother signed as my attorney in fact when he was under the guardianship of my mother, which was illegal. I was not present and just found this out at my closing and trusted my brother to sign for me in my best interest. If I had known this, I would never have allowed this to happen. I need help speeding up this process so that I have somewhere to stay and can figure out my financial situation. I will include the poa and proof that my brother was under the guardianship of my mother. The loan originated with first centennial and bsi took over the loan. I know XXXX has been in trouble before for overlooking important thjfns like this and I would like a resolution to this so I can move forward with my life in a positive manner. The attachments include the documents when we applied for the loan. In the upper left hand corner is the proof my mom, XXXX XXXX, was my XXXX XXXX guardian. The second is her written description that she has dual access to his bank account, further proving she is his guardian. Last is the poa I would have never signed knowing this. My brother has refused to pay for his part of the mortgage the last year and I have incurred financial losses because of it even though he was the one who illegally signed for me at the closing. I hope you can help me make this situation right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2023 I XXXX XXXX sent in a notice of Identity Theft, request to block and remove a fraudulent tradeline that is reporting on my Experian Credit Report pursuant to 15 USC 1681c-2, The tradeline is with XXXX XXXX with Account Number XXXX and XXXX. 

These accounts DO NOT INCLUDE XXXX XXXX XXXX 

I have attached proof of Notice of Identity Theft, and My Identity theft report from the FTC. 

Experian has NOT blocked this tradeline from my credit report. It has since reappeared on my report. 

This account is to be BLOCKED INDEFINITELY as it was not opened by Me. 

Please see all of my attachments as proof of delivery and Notice of Identity Theft to Experian.

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 2023-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: OH

Complaint narrative:
I have contacted this collection agency several times, requesting the exact store, or whom ever that stated that I had this outstanding balance, trying to find out exactly where this fraudulent account was opened. I have requested a final bill and address to which this account was open from the collection. Agency itself stated that they did not know the exact company that this account was open through that the only thing that they can see that the account was opened back in XXXX and XXXX they initially told me that it was for a unpaid auto loan. I never had an unpaid auto loan in my life. They told me that they were going to send me out of packet. I never received it no information about this account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Once again, I am writing to file a formal complaint against XXXX & Equifax regarding their failure to update my credit information and provide me with a method of verification, as required by the Fair Credit Reporting Act ( FCRA ). 

For well over 90 days, I have been disputing the same accounts over and over just to get the same generic responses over and over since XXXX of this year ( 2023 ) I have been disputing the same XXXX accounts showing proof of clear errors and inaccuracies just to be told the item was Updated Or Verified How is this possible if I have proof and a print out of the same exact errors on the same exact accounts. 

I have attempted to resolve this matter directly with XXXX & Equifax by via my dispute letters. Despite my efforts, the issue remains unresolved, and I believe that XXXX 's actions are in violation of the FCRA. 

After months of disputing they even told me they couldnt verify the disputes because they didnt know if it was me sending them anymore I then proceeded to begin getting the letters notarized which no one else can do on my behalf and still the same result. 

I will have my latest disputes, cover letter and credit report attached. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX complies with the FCRA. Additionally, I would appreciate your assistance in resolving this issue and obtaining the accurate and up-to-date credit information to which I am entitled. 

Please find the following information related to my complaint : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX I appreciate your attention to this matter and look forward to a prompt resolution. If you require any further information or documentation, please do not hesitate to contact me at the provided phone number or email address. 

Thank you for your assistance. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACCELERATED COLLECTION SERVICE, INC
State: WA

Complaint narrative:
Received a forwarded letter from accelerated collection stating i owe them money plus interest for a debt. 
I do not recognize the accounts in question. I reached out to the company and had no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
No extra information was exchanged, I received multiple calls from different phone numbers ( the one I inputted being the most recent ) asking me about a debt I dont know anything about. I have received hundreds of calls over the last few years and have requested information from them in early XXXX  ; written statements of everything I supposedly owe, itemized out so I may be made aware. I have yet to receive any documentation from this entity and refuse to pay an sum of money until further evidence is presented. I have gone as far as telling this company to place me on their do not call list, they can not even respect my rights enough to stop their almost daily phone calls.

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 2023-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I received an email and letter on XX/XX/XXXXXXXX  requesting that I activate my new card and to manage reoccurring subscriptions on the same card. Subscriptions that should have ended with the card around 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 2023-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2023, we used Square as a processor for our small business transaction. We run a small XXXX XXXX XXXX XXXX XXXX XXXX . The transaction ( {$20000.00} ) occurred in person via their Tap To Pay option. Accidentally, we charged the transaction to our business card rather than our customer credit card. We tried canceling and issuing a refund, however their app did not let us. Square had blocked and deactivated our account, requesting documentation, with funds to be held for 90 days. We explained that the transaction occurred via tap to pay and there was no documentation/agreement for it at the time. We asked for canceling or full refund of this accidental transaction. After multiple phone calls and emails, the company is unreachable past the basic customer support over phone which is refusing to provide solution, emails seem like automated responses stating the same thing over and over again. Square , Inc has thousands of similar complains for business all over the U.S. We are asking for someone from Square to reach us and to provide solution in the next 30 days, else we will take this to court and social media! Please small business out there be careful when using Square for payment processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
MY NAME IS XXXX XXXX, I JUST FOUND OUT THAT THESE MEDICAL RECORDS ACCOUNTS WAS OPEN UNDER MY NAME THESE ARE FRAUD ACCOUNTS THAT I NEVER USE THIS MEDICAL COMPANY OR FACILITY I NEVER USE I HAVE A XXXX XXXX XXXX XXXX XXXX FOR LOW INCOME FAMILIES I HAVE DISPUTING BOTH IF THESE MEDICAL BILLS THAT WAS OPEN UNDER XXXX PRETENDS FRAUD ACCOUNTS I AM A VICTIM OF IDENTITY THRIFT CRIME VICTIM WHERE MY WALLET ETC WAS TAKING FROM ME BY STATE LAW I AM NOT RESPONSIBLE FOR THESE ACCOUNT ACCOUNTS THAT WAS FALSELY AND FRAUD UNDER MY NAME I HAVE NO KNOWLEDGE OF THESE ACCOUNTS TILL XX/XX/2019 WHEN I WAS Contacted BY XXXX OF THEIR DATA BREACH

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Remove the fraud inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting 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: LA

Complaint narrative:
I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 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 THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2023 I XXXX XXXX sent in a notice of Identity Theft, request to block and remove a fraudulent tradeline that is reporting on my Equifax Credit Report pursuant to XXXX XXXX XXXX, The tradeline is with XXXX  XXXX  with Account Number XXXX and XXXX. These accounts DO NOT INCLUDE XXXX XXXX XXXX I have attached proof of Notice of Identity Theft, and My Identity theft report from the FTC. Equifax has NOT blocked this tradeline from my credit report. It has since reappeared on my report. This account is to be BLOCKED INDEFINITELY as it was not opened by Me. Please see all of my attachments as proof of delivery and Notice of Identity Theft to Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On approximately XX/XX/2023 at XXXX XXXX an order for XXXX boxes of checks from XXXX of my accounts appeared on my online banking app. I did not order the checks so I immediately called the bank. They agreed to put a freeze on my account and said I should come to the bank in the morning and they would protect me by closing the old accounts and giving me new ones. 
The next morning they showed me the fraud alert and then showed me a check with the first name XXXX or XXXX made out to the check holder. The banker was very amused by the name and informed me that that cashed the the check for {$980.00} and gave him the money from my account. He then presented more checks through the night which they continued cashing until he presented a check for {$4500.00} which they refused to cash because I was too severely overdrawn. I was stunned. The bank Chase, then opened new accounts with a small amount of money in them. I was asked to sign nothing, told nothing given no paperwork not even the numbers of my new accounts. I am severely XXXX and my nurse insisted that XXXX hours was to long for me to continue to sit there and they should call me at home. When I got home I found I could no longer access my online account. I called them the next day and they insisted I come to the bank, my physician refused XXXX let me go because I was in a XXXX XXXX and have XXXX XXXX scheduled this week. They put me on hold and transferred me back and force for XXXX hours reiterating that they would not give me my account number unless I went to the bank.Finally XX/XX/XXXX the police intervened and I was given my new account numbers but I still can not access any transactions prior to XX/XX/XXXX and none of my money has been returned to me.

Company response to consumer: Closed with explanation