vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 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: PA

Complaint narrative:
On XXXX I confirmed with the US Bankruptcy court on who furnishes information to the current three Credit Agencies. Who is therefore responsible for reporting inaccuracies to my consumer credit profile. The upload in which will be provided, will prove in fact that the US Bankruptcy court does not furnish public information to the three Part agencies on their behalf. Therefore, Equifax, XXXX, & XXXX had no lawful authority to report anything on my consumer credit file without my written consent as per 15 USC 1681b - Permissable Purpose of consumer credit report Rule Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports A Rule by the Consumer Financial Protection Bureau on XXXX  Document Details Printed version : XXXX Publication Date : XXXX  Agency :. Equifax, XXXX, & XXXX are violation of said 12 CFR part 1022 - Fair Credit Reporting Violation V. 12 CFR Part 41 - Fair Credit Reporting, Inaccurate information must be corrected or delted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My information with Equifax has been breached. Here is the proof and they refuse to delete these accounts. So please delete this from my credit reports immediately. As I was a victim of this data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: CA

Complaint narrative:
Credit inquiries for XXXX XXXX XXXX and XXXX XXXX XXXX dated XXXX XXXX are the result of identity theft, and They are not belonging to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have reached out to the Dept of Ed XXXX to get a copy of my original contract showing I took loans out. I told them I have been.a victim of Identity theft and victim of domestic abuse so many of the loans or items on my credit was mostly likely not me. I sent the letter back in XXXX and still haven't received a response. Also, called them at XXXX couldn't provide me with the contract. 
DEPT OF EDXXXX Acct XXXX XXXX Amount : {$6500.00} XXXX XXXX XXXX XXXX OF ED/XXXX  Acct # XXXX Amount : XXXX XXXX XXXX XXXX OF ED/XXXX  Acct # XXXX Amount : {$5300.00} XXXX {$5300.00} XXXX DEPT OF ED/XXXX  Acct # XXXX Amount : {$3500.00} XXXX {$3500.00} XXXX DEPT OF ED/XXXX  Acct # XXXX Amount : {$2200.00} XXXX {$2200.00} XXXX XXXX  XXXX  Acct # XXXX Amount {$9700.00} XXXX {$8600.00} XXXX No contract with them. I called and wrote a letter and haven't received any thing back from the company. 
LVN Funding Acct # XXXX Amount : {$1000.00} XXXX {$1000.00} XXXX  There can't be an open account as a collection that is a violation. Also, this company hasn't sent any proof of contract or proof that I had any accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: FL

Complaint narrative:
My name is XXXX XXXX. I get other people 's debts assigned to me periodically by collection agents when they can't find the right XXXX XXXX. A collection agency XXXX XXXX XXXX assigned an account to me that isn't mine. Either they have the wrong XXXX XXXX, or this is a case of identity theft where a customer used my ss # to get a account with XXXX. I do not have XXXX, nor have I ever used XXXX over the last 10 years. This alleged debt only appears on my TransUnion credit report, and not on the other credit reporting agencies. I have NO late payments, and NO collections on my report other than this alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
Chexsystems did not protect consumer 's PII

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 2023-12-07 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: Radius Global Solutions LLC
State: FL

Complaint narrative:
I have reached out to the following account below and talked to them about the issue with my account as reported by RADIUS GLOBAL SOLUTIONS LLC. They have advised me that they will remove the account the fraudulent account will be deleted, however, as I reviewed my recent report, the late status is still reporting. I am not sure how the RADIUS GLOBAL SOLUTIONS LLC came up with this remark. They have failed to investigate properly. I have included in this complaint FTC report with the report number XXXX for your reference.

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 2023-12-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
The alleged debt is a fraudulent charge. The property management claims the apartment needed a cleaning, I submitted video evidence of the entire apartment cleaned thoroughly. 
The property management team charged my entire deposit to clean then and subsequently the remaining utilities were not covered. 
They owe me money. 

The debt collector lied after I submitted the evidence of the apartment being clean and said that I was not being charged for cleaning like is stated on the ledger sent by the property management, but for " sanitization '' which I never agreed to in my lease. 
They stated that even if the apartment was clean that I still have to pay for the sanitation. 

The charged is fraudulent and the debt collector has lied about what exactly I owe and why I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I received a credit card from CapitalOne in the mail that I did not apply for. I contacted customer service on XX/XX/23 which transferred me to the fraud department where I spoke to XXXX who was located in Virginia. I stated that I received a credit card from CapitalOne that I did not apply for in the mail. I stated I wanted the account closed and removed from my credit history as I did not apply for the credit card that CapitalOne sent me in the mail. She asked for my SSN which I did not feel comfortable to share with her so she then asked for my name. Upon giving her my name she said she would look into this and proceeded to disconnect the phone call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: Cascade CISS Holdings, LLC
State: NJ

Complaint narrative:
I have gone to court with this company and the Judge has ruled the information was not valid or verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: EQUIFAX, INC.
State: CA

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 these illegal accounts from, my credit reports. List all those negative accounts from your Equifax credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: FL

Complaint narrative:
I did not authorized the followings inquiries : EQUIFAX PENDING INQ : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with 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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: Payfare International Inc.
State: TN

Complaint narrative:
I transfered XXXX $ from my XXXX XXXX  account to my XXXX XXXX card. The money was removed twice from my account. It put my account in the negatives XXXX XXXX so when i got paid this week that was deducted from my check. Ive contacted both companies and they both blamed it on the other. Im not sure whose at fault. I have screen shots of my transactions from the last week to show proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
o whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX XXXX mortgage XXXX increased by {$1900.00} from {$320000.00} to {$320000.00}. account numbers : XXXX XXXX XXXX Please verify this information and correct the negative remarks as all payments have been made on time. Attached is a copy of payment transactions

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 2023-12-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX Account Closing notification Keep calling customer number and multiple visit to the branch.

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 2023-12-07 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I attempted to order something online from XXXX using my synchrony credit card on XX/XX/XXXX and was charged {$610.00} twice. The product I ordered was out of stock so the merchant refunded {$610.00} but denied charging me twice. I have disputed the charge 5 times with synchrony bank and every time they say that I was refunded but still owe {$610.00}. I never received any product or service from XXXX and my disputes have gone nowhere. Please help to resolve this matter

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 2023-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlantic Recovery Solutions LLC
State: ME

Complaint narrative:
I called back about a debt, XX/XX/23 the person gave me extreme attitude and I said it wasn't necessary and they hung up on me. I've called back multiple times ( 5 ) and been hung up on. Can't pay a debt that I can't get info about in a decent fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
Prior on XX/XX/XXXX of XXXX  I received a flyer Solicitation from US bank with A promotional bonus for new opening checking accounts with one of several conditions that come with it. 
One of the conditions is that no existing of checking or Savings accounts with US bank to be eligible, which I am.

Second conditions is that a new money of deposit much from other banks accept any pre existing accounts US bank, which I'm I don't any previous accounts with US bank prior to this promotion My only goal is to go forward with this promotional and get the bous. And one more catching new policy that I can open a new checking account online without the need to go to the branch in person to do it. Raised my curiosity so I was skeptic I decided to give it a try. So on XX/XX/2023 I went online to opened a checking successfully and I have 30 days to fulfilled a new money deposits from my other accounts that is not a prious or existing with US bank. I transfer more than it's required in the next 30 days. 
The problems that's I find out later of my Denial of my bonus was not even my mistake. It's was the bank AI software Mal function on purposed that the bank not willing to admit .Shames on You. 
Here is the the listed of problems I encountered when I went online to open an account. After I successfully opened my new bussiness checking acount. After few minutes later or hours the AI software started on its own and created an additional 3 or 4 checking account which included personal checking which I am not authorized. At this time I was not paying attention to these activities I thought it was same account. So my transfered deposit got splits up into these new several accounts accounts. 
So I called customer service on the phone to reported the problem. They didn't seem to be helpful or knowledgeable and aware about this problem situation that I am going through at this time. They did not give me any advice how to sloved the problem which later on they used this reason against me to denying my bonus. 
The reason was, when I tried to corrected the problem that the AI software created these additional accounts without my permission. 
I tried to close these accounts by transferring the money back to the correct account to begin with. And now the bank used this reason against me that is not my mistake. 
The Bank have theses proof of my statement is true and honest. 
Phone conversation recorded recorded. 
AI software tracked recorded of unauthorized open checking accounts. 
I want my bonus that I deserved Mail to me. 
I will take further legal action if I have to.this is not going away easy. So I learned from XXXX  filed complaints about these deceptive practices. 




.

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 2023-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: NV

Complaint narrative:
Update to the previous complain, because WISE marked it as competed although it's absolutely not completed, and right at the moment they just cancelled my account without notice. This looks like a huge scam, I'm hoping to get a regulatory service to look at that. 

Here attach their answer to my lost money : pretty much " we don't have the money, we're not liable '', but they gave me 2 WEEKS notice before changing account infos, assured that money sent to the old account would bounce back, but it did not. 

It seems to me that wise cancelled thousands of accounts, and kept all the money sent to these previous accounts. Pretty much stole XXXX of XXXX of customers. Could you look into this please? 

Thanks -- -- -- -- -- - previous complaint, not addressed -- -- -- I asked someone based in XXXX to send me money on my account with Wise. I have a XXXX account through Wise. Without notification, Wise changed my account number and put the old XXXX as not operational anymore, saying that " any payment done to that account will bounce back ''. Just like any interaction I had with Wise which is more and more looking like a giant scam, the money that got sent to that old account absolutely didn't bounce back. Customer support must be done by robots because it's absolutely useless and AI-like. They told me to check with the sender 's bank, but there's nothing to check, the money got sent, didn't bounce back. I suspect Wise kept the money and is doing that with tons of " deactivated '' account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: NC

Complaint narrative:
I woke up this morning around XXXX Eastern time because I had heard my phone ding. There was an email from XXXX  stating that there was a new inquiry on my credit report, when I logged in there was a hard inquiry from XXXX  XXXX today. I have no applied for a XXXX  XXXX credit card and I have no submitted a request for one. I contacted XXXX and filed a dispute, I also filed one with equifax. XXXX advised me to contact the bank XXXX XXXX. I was told by a representative that someone did try to open a card in my name and that they would decline the application due to me letting them know someone had used my social security number unknowingly. I told them that if it werent for XXXX  emailing me and letting me know about the inquiry I wouldve never knew someone tried to get a card in my name. Especially due to me not getting an alert from XXXX XXXX or anything. I do not have any accounts with XXXX  XXXX and I have never applied for a XXXX  XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I woke up this morning around XXXX Eastern time because I had heard my phone ding. There was an email from experian stating that there was a new inquiry on my credit report, when I logged in there was a hard inquiry from XXXX  XXXX today. I have no applied for a XXXX  XXXX credit card and I have no submitted a request for one. I contacted Experian and filed a dispute, I also filed one with XXXX. Experian advised me to contact the bank XXXX XXXX. I was told by a representative that someone did try to open a card in my name and that they would decline the application due to me letting them know someone had used my social security number unknowingly. I told them that if it werent for experian emailing me and letting me know about the inquiry I wouldve never knew someone tried to get a card in my name. Especially due to me not getting an alert from XXXX XXXX or anything. I do not have any accounts with XXXX XXXX and I have never applied for a XXXX  XXXX card.

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