vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 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: MI

Complaint narrative:
XXXX XXXX is making us pay for a loan and services we never received. see attached legal documents and attempts resolution attempts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-07-19 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: SC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
A domestic transfer of {$5000.00} was initiated on Sunday XX/XX/XXXX from US Bank Savings account to my XXXX XXXX ( XXXX ) checking account. The funds cleared US Bank on XX/XX/XXXX. By XX/XX/XXXX the funds had still not arrived at XXXX. I called XXXX XX/XX/XXXX- they recommended I cancel the transaction to receive my funds ASAP. I provided XXXX verbal approval to cancel the transaction. On the morning of XX/XX/XXXX funds were no longer pending at XXXX. 

By Monday, XX/XX/XXXX the funds had not arrived back at US Bank. I called US Bank- they had no record of any pending transaction. I called XXXX shortly thereafter. XXXX confirmed again the transaction was cancelled morning of XX/XX/XXXX. XXXX did not have a 15 digit trace number to provide since the transaction was cancelled. 

I called US Bank Monday, XX/XX/XXXX and spoke to representatives at US Bank for 2 hours. Eventually US Bank informed me there was no trace number since the transfer was cancelled, and they were unable to see the funds pending in my account since the cancellation of transfer had not been processed. They assured me the funds would clear by Tuesday XX/XX/XXXX close of business, and to call back Wednesday XX/XX/XXXX if I hadnt seen anything. 

Wednesday, XX/XX/XXXX arrives and still no pending deposits and no funds have arrived. Wheres the {$5000.00}? I call US Bank, and once again they have no idea. They spend 30 min trying to figure it out, but no one can tell me where the money is, if its lost, or when ( if ever it will arrive ). I have exhausted all options I am unable to reach anyone at US Bank that is able to help.

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 2023-07-19 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: NC

Complaint narrative:
To Whom It May Concern, 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. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: FL

Complaint narrative:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 
Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.

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 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi! 
I transferred XXXX into my XXXX account from a balance transfer from BOA. It was suppobe {$1500.00} on XX/XX/2023. I called XXXX, and they will return the XXXX to me so I can return it to BOA. However, the balance transfer fee of BOA of {$600.00} will still remain even though BOA is receveing its money back.

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 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm XXXX will not let me close my account, I have called them several time to close my NO balance account and they refuse to do so, putting me on extended hold sessions, tell me there are technical difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
During my time of XXXX, my identity was exploited and accounts were deceitfully opened in my name causing considerable turmoil and difficulties upon my release. The accounts are as follows : 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 XXXXXXXX Even after my release my credit was still being compromised. I have disputed this with the bureaus and the creditor and I've yet to get any satisfactory results.

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 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am writing to lodge a formal complaint against Bank of America regarding an incident that has caused severe inconvenience and financial hardship. As a valued client of Bank of America for the past 20 years, I am disheartened by the treatment I have received in light of this situation. 

In XXXX, my Bank of America account experienced a sudden and unexpected reversal of funds from a claim that was filed in XXXX of the same year. This reversal led to my account balance being deemed insufficient, which has had significant repercussions on my financial stability. 

I wish to highlight that over the course of my two-decade relationship with Bank of America , I have filed only three claims, reflecting my responsible and diligent use of their services. Despite this long-standing association and my infrequent need for claims, the bank 's decision to reverse the credited funds in XXXX came as an unexpected blow. 

The claim in question was related to transactions made with an online casino, whose information was stored in my memory and also conveniently saved in the credit card details on my phone app 's wallet. As an experienced and loyal customer, I believed that Bank of America 's robust security measures would safeguard against unauthorized transactions. Moreover, I had taken measures to protect my credit card information through secure means. 

Given my extensive tenure with Bank of America, I genuinely expected a more proactive and supportive approach from the bank in handling this matter. The reversal of the funds has caused me immense stress and financial strain, as it left my account in an insufficient state, resulting in additional charges and fees. 

I urge the Consumer Financial Protection Bureau to intervene in this matter and ensure that Bank of America thoroughly investigates the circumstances surrounding the reversal of funds from my account. Additionally, I seek fair compensation for the distress caused, as well as reimbursement for any associated fees or penalties incurred due to the insufficient account balance. 

I trust that the CFPB will address this complaint with the utmost diligence and attention it deserves. As a long-standing client of Bank of America , I hope to see a resolution that not only rectifies the immediate situation but also reinforces my faith in the bank 's commitment to customer satisfaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I received a letter in the mail a few weeks ago from a collection agency saying I owed {$700.00} to XXXX. I immediately called the collection agency to dispute it. I received another letter in the mail on XX/XX/23 saying I owed them money. I called the debt collection company on XX/XX/23 and disputed it again, I asked them what proof they needed to prove this debt was not mine. They directed me to ftc.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: NJ

Complaint narrative:
The company Vance and Huffman LLC has been harassing me and trying to contact me for a collection that is not mine. Its for {$1500.00} and its from the XXXX XXXX which when I looked it up is located in Texas and I live in XXXX XXXX. Ive been dealing with identify theft and credit card fraud from my ex girlfriend XXXX XXXX XXXX and I am sure she did this. The company even somehow got ahold of my dads number ( which is very private ) and asked for my whereabouts and he said it was very threatening. Ive called them to tell them its fraud and XXXX XXXX is the worst and sketchiest salesman.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
In accordance with the fair reporting XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish and account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Kohl 's Credit Card Services closed my credit card account without my consent in XX/XX/2023. I called the company to explain that I did not consent to closing my account due to 'inactivity ', but they stated it was their policy and there was 'nothing I could do about reopening the account. ' This is an adverse action that I did not authorize, and according to 26 CFR 1026.13, this is unauthorized use if my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
A Target XXXXCard account was opened in my name on XX/XX/2023. I received an alert from Target and XXXX on XX/XX/2023, alerting me to the fraudulent account. I contacted Target on XX/XX/2023 and they were able to verify my identity, close the account and recommend next steps ( alert CFPB and credit bureaus ). They said no charges had been made on the card yet. They will be sending me a report to complete and mail back with additional information they need in order to close the case. I have updated my email password and verified that my correct information is on file with Target. I have attached copies of the emails from Target and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cottonwood Financial Ltd.
State: NJ

Complaint narrative:
The company XXXX XXXX XXXX XXXX has been harassing me and trying to contact me for a collection that is not mine. Its for {$1500.00} and its from the cash store which when I looked it up is located in Texas and I live in XXXX XXXX Ive been dealing with identify theft and credit card fraud from my ex girlfriend XXXX XXXX XXXX and I am sure she did this. The company even somehow got ahold of my dads number ( which is very private ) and asked for my whereabouts and he said it was very threatening. Ive called them to tell them its fraud and XXXX XXXX is the worst and sketchiest salesman.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. U. S.C. 1681 section 602 A. States i have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
So this was a debt that was caused by XXXX  ( XXXX ) for not being truthful about the contract that I was in. I paid the {$290.00} dollars for the collection and they agreed to delete it for full payment and it has not been removed in 3 years. I just want it removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I called my mortgage lender on XX/XX/2023 to remove the PMI from my mortgage because my property has increased in value. They send me 2 documents to sign and I sent them and agree on an appraisal of my property with a value of {$190.00}, which I made the payment by phone on XX/XX/2023. I called XX/XX/2023 to verify the status and they tell me that it can take up to XXXX months for the appraiser to call me to remove the pmi.

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 2023-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: GA

Complaint narrative:
In 2016, while I was in XXXX XXXX, under the age of XXXX, a legal guardian put my name on the gas bill without my consent. I tried to reach out to the company and they explained to me that I would have to pay the debt since it was in my name. Upon further research I discovered that the company L J Ross Associates , Inc. Is not licensed to collect in Illinois XXXX This is not my debt, and the collector is not authorized to report this on my credit profile.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal sent me a email XXXX saying my account was getting charged {$1200.00}. I called the number listed in the email XXXX and talked to XXXX XXXX employ # XXXX and he transferred me to XXXX XXXX 's at XXXX and he told me I had to get a debit card and take out money from XXXX  XXXX XXXX to protect my account. I bought XXXX XXXX XXXX gift cards at XXXX on XXXX XXXX XXXX in XXXX NY and sent a photo of the card to XXXX. 

The next day XXXX I released some thing was not right and talked to my bank and they told me this was fraud. 

I also heard from XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation