vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
First I received a alert through XXXX XXXX XXXX stating a debt collection. By the name of Dynamic Recovery Solutions never hear of it. So I called the number that XXXX had listed in the alert, mind you I didn't have to type the phone number in. It was a linked number in the report, the number sent me to an employee XXXX help line. I told them what was going on and that this was the number provided as a linked number. They told me to call XXXX I did and it explained it to them, they looked into my credit history and was able to find supposedly the origin of the debt collection. A company called XXXX XXXX called the number provided by XXXX. They immediately started asking for personal information, I explained I wouldn't give them anything until they first confirmed their address provided by the XXXX  alert. They gave me a completely different address, then when I explained how I called the number that is linked in the XXXX  alert and it went to the employee XXXX help line, the lady hung up. So I called XXXX back and let them know this is definitely a fraud case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: GA

Complaint narrative:
Im a victim of Identity theft. Ive disputed account with credit agency and filed a FTC. This isnt my account and I would like this account removed 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 explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I tried to register for classes and was shown a hold from merchant 's and medical. I was told the amount of XXXX was owed for withdrawing from a class. The class was registered for on XX/XX/12 and withdrawn from XX/XX/12 for a Spring semester. I have never received funds for spring or summer semester and have never attended spring or summer classes. I advised them that this was fraud and they told me they WOULD NOT send a fraud packet and that the money must be paid. They continued to tell me they had send out fraud packets and refuse to do so again. They were mean and rude and kept threw it in my face that we were on a recorded line as if I was unaware of what I had said. Now I may miss signing up for classes due to a debt I do not owe and horrible people who are money hungry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
After reviewing my credit report I noticed inquires that don't belong to me that I have no knowledge of, after trying to get these deleted and removed I have yet to get the 3 credit bureaus to delete the following inquiries that were found on my credit report. 
XXXX. XXXX XXXX. DATE : XXXX XXXX. XXXX XXXX XXXX DATE : XXXX XXXX. XXXX XXXX XXXX. DATE : XXXX XXXX. XXXX XXXX. DATE : 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 2023-06-20 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my complaint to EXPERIAN for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment and violation under FCRA policy and CFPB on the medical collection.

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 2023-06-20 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: OH

Complaint narrative:
According to FCRA these companies are in violation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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:
This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 Balance : - XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX Balance : {$540.00} CXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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 have been unable to access personnel when calling the dedicated toll-free numbers during normal business hours. This has been with XXXX, Equifax and XXXX. During normal business hours, countless calls to the dedicated toll-free numbers received a busy signal or message indicating that I must call back because all representatives are busy. Unreasonable hold time while waiting to speak with personnel during normal business hours. Section 609 ( c ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681g ( c ) ( 1 ) ( B ) EQUIFAX, XXXX, and XXXX are obligated by the FCRA to report accurate accounting. I have advised ALL the hard inquiries reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed. I am now requesting ALL 3 agencies to provide the documentation used to determine inquiry was indeed authorized by me. They have 15 days to provide me with the name of the person spoken to, documentation used, signed application with my wet ink signature, I am not asking for an E-Oscar report. IF EQUIFAX, XXXX, XXXX do not provide documentation to show these were in fact authorized, it MUST be removed ASAP. SAID company 's are liable under the SEC to follow certain rules. I will be filing form 211 Treasury OMB Forms to audit my consumer account. These companies are securitizing my consumer data yet refuse to provide me with a copy of their consumer file, NOT a consumer report. 

EQUIFAX Commission file number XXXX XXXX XXXX File Number XXXX XXXX Commission File Number It is also to my attention that XXXX XXXX has charged-off a debt owed without provided me with a 1099-C The creditor sent a copy to the IRS. If I don't acknowledge the form and income on your own tax filing, it could raise a red flag. Red flags could result in an audit or having to prove to the IRS later that I didn't owe taxes on that money. Form 1099-C is a federal tax form required by the IRS. Lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more. Forms must be sent to taxpayers by XXXX XXXX. I have called several time to retrieve the 1099C and I'm being met with being put on hold for long amounts of time then disconnected. I am not sure if my account is flagged when I call but I cant seem to get through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit card company use Experian report and unnecessary review it and every year they decreased my credit limit because they blame credit bureau and another reason High balance. I try to get my proof of credit score dated XX/XX/2023 from Experian but there phone number doesnt have option to speak to person or I get score details on specifics day.

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 2023-06-20 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XX/XX/2023 - Unauthorized Inquiry XXXX XXXX XX/XX/2023 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
reviewed my XXXXonsumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and are responsible for reporting Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be Provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I have been locked out my account I have been calling this bank for days about my funds in my account customer service has been terrible they have been directing back and fourth between departments I dont know what else to do please can you help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: MS

Complaint narrative:
XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XX/XX/2022 This is fraudulent charge. I informed the company, XXXX failed to acknowledge and remove it, XXXX did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I opened a bank account online with Bank of America. I sent the initial money to open it. I received an email verification that it was approved and open. I then had a wire transfer sent to the bank. I went online to check the next day to see the status of the wire transfer and found out that my account had been closed. I received no notice, or chance to correct the issue they had with verification of my information. I was then told that the account would not be completely closed for 41 days. 
So I will have to go 41 days until the account is closed and then wait for my money to be delivered. I was basically robbed. Why would a large financial institution need 41 days to completely close my account and return my money?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: OH

Complaint narrative:
For the bill charged from the weekend of XX/XX/XXXX of 2022 I was hit by a utility truck. The utility truck was the one at fault. I assume my auto insurance company and/or the at fault 's insurance company should be the ones taking care of the medical bill and not I. 
The hospital and I have made attempts to get a hold of the XXXX. I have even tried to call the XXXX 's supervisor but I have no gotten answers or call backs. 

If I'm mistaken about how the process works of me getting hurt by someone else then please evaluate and let me know. 
There should be police reports of the accident if anything needs to be looked over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have XXXX XXXX and XXXX XXXX on all ( XXXX ) Credit Bureaus. I am currently experiencing tremendous identity theft issues due to a XXXX XXXX by XXXX XXXX. Transunion has allowed this identity thief to remove my XXXX XXXX x XXXX. The thief does this in order to try and get more fraudulent credit in my name, and this creates more work for me. An identity thief is called an identity thief because he or she steals one 's identity, and thus has someone's personal information. When this takes place, Trasnsunion should have Security Measures in place to prevent this. An identity thief should not be able to call Transunion and unlock my XXXX XXXX and XXXX XXXX so easily. And by doing this is able to pursue more fraudulent 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 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am writing to bring to your attention a serious matter that has been ongoing since XX/XX/2023. This situation concerns my banking account with Citi, which has been handled in a way that is distressing and unacceptable. I am based on North Carolina USA. On XX/XX/2023, I was informed via mail that my Citi banking account was restricted and would be closed within 60 days. It was explicitly stated that I would receive a check from Citi within that timeframe, as I had a balance exceeding {$4000.00}. However, it has been more than 100 days since the notification, and I am yet to receive the aforementioned check. In an effort to resolve this issue, I have contacted your customer service department on more than 40 occasions. Despite the numerous calls and the countless minutes spent explaining the problem, I have been met with nothing but apparent indifference, with no one providing a clear solution or offering a viable means to rectify the situation. The situation has reached an impasse and has put me under substantial financial strain and XXXX XXXX. The absence of a meaningful response and the failure to return my funds is not only deeply concerning but also, in my opinion, unprofessional and negligent. Therefore, I kindly urge you to look into this matter with the urgency it deserves. I have waited patiently for a resolution and would like my funds returned immediately. If my funds are not promptly returned, I will have no choice but to escalate this issue further, including potentially seeking legal redress. I look forward to hearing from you soon with a view to resolving this matter expediently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20 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: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
Hello, My name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new home and these items wheny get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade Commission and I also have enclosed copies of the Federal Trade Commission XXXXentity Theft affidavit Please delete the items as soon as possible. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability

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