vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: National Credit Systems,Inc.
State: ME

Complaint narrative:
A lease for property was taken out at XXXX XXXX, in XXXX XXXX in my name via online. In XXXX of XXXX. 

I do not live nor have ever resided in the state of XXXX. I am a resident of XXXX, and have lived in XXXX, as well as XXXX. 

I lost my wallet about a month prior to this transaction being taken. 

XXXX XXXX went to court for eviction and sued me for over {$4000.00}. 

I never knew this as I was never notified. I went to purchase a car in XXXX XXXX and this line item was on my credit report and I disputed it fully with all 3 credit bureaus and put a freeze on my credit report. 
There is also a notation that my identity is compromised, and I have a duplicate identity, to please verify its me. 
I reached out to the property in XXXX and XXXX of XXXX with no success via phone and email. No returned communication. 
I notified the credit bureaus in XXXX of XXXX of the unsuccessful attempt. 
After months of trying to dispute with credit agency and the creditor not working cooperatively with me I filed a motion in court on XX/XX/XXXX with XXXX XXXX XXXX to have the judgement dismissed for lack of notification, I was never in this state, and identity fraud. 

I additionally picked up a copy of the original complaint from the attorney that was never received to me dated XXXX, they mailed it to the property address that was rented in my name however I have never resided there. 

XXXX XXXX property attorneys were served/mailed on the XXXX of XX/XX/XXXX with my motion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
The staff at ace cash express intentionally lies about withdrawal fees. This isn't the first time they have done this. I went in to pay my my rent, I already know that my XXXX XXXX charges me to withdrawal cash however she stated XXXX XXXX was charging me {$5.00} dollars flat and ace cash express fee was {$3.00}. At the end of the transaction {$10.00} is unaccounted for and when I asked for the receipt she said there wasn't one. After arguing with her I finally received receipt, which is beyond misleading, and I also get a text message from my card. XXXX XXXX only charged me {$2.00} for withdrawal, which by the way of my card was swiped as paying a bill it would not have charged me st all, so she purposely put withdrawal instead of transaction, and she clearly lied about her fee being as how XXXX XXXX gave me a breakdown and it said {$2.00} was charged by XXXX XXXX and {$7.00} was charged by her.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: FL

Complaint narrative:
Associated Credit Services , Inc.- While attempting to collect a {$600.00} bill that is not mine, reached out via phone to advise me of a bill from XXXX  XXXX XXXX XXXX XXXX This bill was from address XXXX XXXX XXXX XXXX, I have never resided or had utilities in my name at that address. ( See attached expired federal drivers license with address of residence ) XXXX XXXX was a rental property that someone else owned/rented from and I moved before the residence 's electric was shut off, but because they are trying to add the two meters ( on the same home ) together, I am now receiving this unpaid bill, almost 5 years later. No way, it's not mine and I am formally disputing BOTH companies record of this because it is inaccurate. I did ask for a copy of the bill when I was first notified to verify it was actually mine, the address on the bill clearly states XXXX XXXX, not XXXX. All documents are attached. Please do not have them contact me, take payments from me and send that bill back to XXXX  XXXX so I can dispute and handle legally with that company. The gentleman I spoke to at Associated Credit Services was extremely rude and ignorant discussing this issue with me- he clearly has no idea what is going on and didn't care to hear it ( outside of his mindset ) He should not be dealing or handling ANY customer service issues whatsoever. 

Any questions please feel free to reach out to me. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NE

Complaint narrative:
An online order was placed at XXXX XXXX  on XX/XX/23 at XXXX XXXX for a tool kit to be picked up by XXXX XXXX in XXXX, Alabama, using my debit card number. It was picked up at XXXX XXXX. Please note that I do not know a XXXX XXXX nor have I ever been to Alabama. I currently reside in Nebraska. 

This was a Saturday and I slept in as I didn't have to work and by the time I checked my emails it was too late. I contacted XXXX XXXX right away and they just told me sorry that my card was stolen and to contact my bank. My card was not physically stolen as I still had the card in my possession. I tried to explain to XXXX XXXX that someone had hacked into my account with them and used the card I had on file for a monthly dog food subscription. 

I then contacted Chime aka XXXX XXXX  and cancelled my debit card and ordered a new debit card. I have filed three disputes with Chime and they have denied every claim. I shop at XXXX XXXX freqeuently for animal and yard supplies. I even sent them all of my online and in-store activity to show that I have never purchased anything outside of the Nebraska location . 

Timeline of events : XX/XX/23 claim filed for unauthorized transaction and provisional credit applied XX/XX/23 claim denied XX/XX/23 I requested documents used for investigation XX/XX/23 provisional credit reversed XX/XX/23 I requested documents used for investigation, for the second time XX/XX/23 I requested documents used for investigation, for the third time XX/XX/23 claim denied XX/XX/23 I submitted any information I had for the claim. 
XX/XX/23 I submitted a rebuttal of my claim. 
XX/XX/23 claim denied

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: VA

Complaint narrative:
Hi my identity was stolen recently and the thief used my Zip.co account to make over {$600.00} in unauthorized purchases and the company is currently charging me recurring payments for these fraudulent purchases with the next payment due on XX/XX/2023. 

Zip.co has reference numbers for each transaction the thief made using my identity. 

The reference number for the first line of credit is XXXX, the amount is for {$210.00} and the store this credit was used in was XXXX Store XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX VA XXXX 

The reference number for the second line of credit is XXXX, the amount is for {$220.00} and the store it was used in was XXXX XXXX XXXX XXXX XXXX also on XXXX XXXX XXXX in XXXX. 

The reference number for the third line of credit is XXXX, the amount was for {$200.00}, and was an online purchase on a website Zip.co describes as " XXXX XXXX 

This complaint is related to the one I filed against XXXX on XX/XX/XXXX, ID # XXXX. My XXXX credit card was the card on file for Zip.co. 

I've also filed a police report in XXXX XXXX VA where the fraudulent purchases occured. You can follow up with XXXX XXXX XXXX at XXXX regarding report # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11 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: NY

Complaint narrative:
I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report that show inaccuracies. 

List of accounts showing inaccuracies XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I tried to speak with Capital One directly, i sent them a letter, they sent me an auto response, so i sent them another letter and they just sent me the same response. I would just like a different response in response to my hardship forgiveness plea. 

I paid off my Capital One Auto loan in XX/XX/2022. I had some issues with paying on time at the end due to a XXXX XXXX XXXX and a death in the family due to XXXX. I ended up paying off my loan with Capital One and moving forward in life, well trying to. The last late payment that I received in XX/XX/2022 really messed with my credit profile. I had no idea what to do, I tried a XXXX XXXX dispute, not because I was disputing the account but because I did not know that I could be forgiveness, which is what I am doing now. 


I know that the credit bureaus will report whatever information you give them and that they regularly go back and allow creditors to forgive late payments. I am not asking Capital one to forgive ALL my mistakes. However, if Captial One can find it in their heart to forgive just one, XXXX of 2022, it would mean the world to my family and I. We are trying to purchase a home and that late payment is keeping me from doing it. Two other creditors were so kind and already forgave late payments from that month. I am begging Capital One to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: PA

Complaint narrative:
I requested Method of Verification under FCRA 611 ( A ) ( 7 ) Trans Union failed to provide It in 15 days so I am demanding {$1000.00} as the FCRA requires. I sent my dispute via CFPB Complaint # XXXX on XX/XX/23 The dispute involved violating my right to privacy. 
Because I gave no one written permission or any consent to report this information on my consumer report. The Gramm -Leach -Billey Act states I as a federally protected consumer have a right to privacy. How can a financial institution Update/ verify information when they should not be reporting these accounts in the first place. 

1 ) XXXX XXXX- # XXXX. 
2 ) XXXX XXXX- # XXXX. 
3 ) XXXX XXXX XXXX - # XXXX. 
4 ) XXXX XXXX XXXX I submitted Method of Verification request via CFPB Complaint # XXXX on. XXXX/XXXX/XXXX. 
I did not receive the MOV in 15 days as required under the FCRA 611 ( A ) ( 7 ) and demand my {$1000.00} be mailed to me immediately.

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 2023-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
Wells Fargo was named in a CFPB Class action settlement and is denying me settlement at this time. My mortgage was affected by the class action lawsuit, and I want to be compensated appropriately.

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 2023-07-11 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: VA

Complaint narrative:
In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXXHowever, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 than records of convictions of crimes which anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: Conn's, Inc.
State: CA

Complaint narrative:
Im have not applied, nor signed or authorized or opened any Conns Account. I have disputed this fraudulent account # XXXX with Conns via mail and have not heard any feedback from Conns. I have asked Conns for the application filed, any documents of transactions related to this account, the address, references and the forged signature on file. Conns did not send any documents and did not respond to my mail in dispute. My personal info was taken when my vehicle was stolen with my wallet & laptop were inside. A police report was filed in XXXX Tx. Ive also made a report with IdentityTheft.gov reference # XXXX. Conns continues to report this fraudulent account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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 have not applied, nor signed or authorized or opened any XXXX Account. I have disputed this fraudulent account # XXXX with XXXX via mail and have not heard any feedback from XXXX. I have asked XXXX for the application filed, any documents of transactions related to this account, the address, references and the forged signature on file. XXXX did not send any documents and did not respond to my mail in dispute. My personal info was taken when my vehicle was stolen with my wallet & laptop were inside. A police report was filed in XXXX Tx. Ive also made a report with IdentityTheft.gov reference # XXXX. XXXX continues to report this fraudulent account on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Business Factors
State: OH

Complaint narrative:
On XX/XX/23 I received an alert from XXXX XXXX that a collection had been posted to my credit report. I logged on to XXXX XXXX and verified that a collection from National Business Factors Inc had been posted to my credit report. I never received anything in the mail or via a phone call prior to this telling me there was a collection of any kind, or any of the same for the initial debt prior to it going into collection. Also on XX/XX/23 I drafted and mailed a verification of debt request letter via USPS priority mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. The tracking says the letter was delivered on XX/XX/23. I have received no response to my letter or any information about the nature of the debt. The amount of the collections balances continues to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I sent a letter multiple times to XXXX, Experian, and XXXX. Here are my tracking numbers : USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, and USPS Tracking XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.

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 2023-07-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: OR

Complaint narrative:
So for my comedy business XXXX  XXXX and XXXX XXXX XXXX so its XXXX from XXXX  XXXX and XXXX and I want my money Ive called sent messages and Ive called and its her over a year I want my money already

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: VA

Complaint narrative:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have sent in a police report by mail and fax, I have called and talked to multiple reps over the phone, and I have filed multiple reports with CFPB and FTC about unauthorized inquiries on my credit reports. I pay for a monthly monitoring service and I have placed a fraud alert on my credit reports and froze them. I have informed them that I received an email from my son 's college stating I have been involved in a Data Breach, and now I have been told my all of my info is on the Dark web! However, they are refusing to delete the inquiries! I disputed several accounts that are reporting inaccurate information and they will not provide me with proof of all the information they used for the investiagtion ( per FCRA 611 ( a ) ( 7 ), but they keep stating they have been verified as accurate! 
Below are the items that are unauthorized and/or reporting erroneously : 1. XXXX XXXX Inquiry - XX/XX/XXXX & XX/XX/XXXX 2. XXXX XXXX Inquiry - XX/XX/XXXX 3. XXXX XXXX XXXX Inquiry - XX/XX/XXXX 4. XXXX XXXX Inquiry - XX/XX/XXXX & XX/XX/XXXX 5. XXXX XXXX XXXX Inquiry - XX/XX/XXXX 6. XXXX XXXX XXXX Inquiry - XX/XX/XXXX 7. XXXX XXXX XXXX - Account # XXXX - Account in litigation 8. XXXX XXXX XXXX - Account # XXXX - Account in litigation 9. XXXX XXXX - Account # XXXX - Account in litigation 10. XXXX - Account # XXXX - Account in litigation 11. XXXX - Account # XXXX - Account in litigation 12. XXXX - Account # XXXX - Account in litigation 13. XXXX XXXX XXXX - Account # XXXX - Account in litigation 14. XXXX XXXX Bankruptcy Dismissed - XX/XX/XXXX - Inaccurate reporting and Bankruptcy Courts gave me proof they do not provide information or validate public records.

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 2023-07-11 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: FL

Complaint narrative:
There is incorrect personal information on my credit report

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 2023-07-11 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: VA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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