vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-16 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: FL

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00}

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 2023-08-16 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: FL

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
After reviewing my credit report, I noticed this company has been illegally reporting information to credit bureaus without my consent ( Credit Utilization ). This is an invasion of my privacy and against the law. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rauch-Milliken International, Inc.
State: GA

Complaint narrative:
I used to own a XXXX  called XXXX XXXX. I sold the XXXX well over XXXX years ago. 
XXXX soda is coming after me for a debt that I was not responsible for. The debt is around {$1000.00} and was incurred after I sold the XXXX. XXXX claims that I did not complete the paperwork to remove my name. I completed the paperwork and gave it to my representative. I do not have a copy of my paperwork since it was so long ago and they are trying to come after me for something that happened XXXX years ago. 

Their attorney XXXX XXXX pulled my credit without my permission. 

The person that contacted me is XXXX at ( XXXX ) XXXX case number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
This is in direct relation to the following case : XXXX XXXX XXXXXXXX I have a Business Checking account that I noticed is receiving excessive overdraft fees in violation of the Overdraft Protection Act. 
Truist bank charged me overdraft fees even after the system tells me I had sufficient funds at the time of the transactions. I brought this issue to the Business Banking Support Teams attention. The fees were not refunded. I also spoke to a Banking Representative on the phone at the branch but nothing was done as I requested refunds. So far I have been charged a total of 13 Overdraft fees at {$36.00} each in XXXX of XXXX. 26 Overdraft fees in XXXX of XXXX. 15 Overdraft fees in XXXX of XXXX. 21 Overdraft fee in XXXX of XXXX. 7 in XXXX of XXXX. XXXX in XXXX of XXXX. 4 in XXXX of XXXX. 1 in XXXX of XXXX and 5 in XXXX of XXXX. Many of these overdraft fees were given even after the system showed sufficient funds at the time of transaction. Total amount of overdraft fees is {$3.00}, XXXX. Of which many times I was charge more than 5 overdraft fees in 1 day. The most I was charged was 11 overdraft fees on XX/XX/XXXX. I am seeking a refund and a change to how these fees are being charged to business banking accounts. I also made a request that the bank stop paying overdrafts but they said they can not stop for business banking accounts.

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 2023-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Found out I missed a bill with XXXX XXXXXXXX. I never received a bill from this place and I told rep I would pay with company and when I tried to call back representative said could t assist me without giving all my information to representative. I have rights and if the bill is placed on my credit I will get a subpoena for everyone I spoke with on XXXX and sue EVERY individual I spoke with and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with this collection agency. They did not provide me with the original contract as requested. They also call or text after requesting them not to. They have damaged my credit score, by unverifiable, false information

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This is the 4th time I have to dispute the same bedt collection the XXXX XXXX XXXX  sent me a letter stating they were about to delete this account debt collection cause I doesn't belong to me and the debt collector keeps putting this account under my personal credit score affecting my insuramce policy went from XXXX to XXXX dollars due to this matter MidLand Credit Management and XXXX XXXX XXXX are refusing to give me any explanation why there are two accounts under my name making this a complete mess to begin with. 

Once again this is the 4th time I have to keep disputing this once it gets deleted it comes back after 4 to 6 months violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: FL

Complaint narrative:
Listed are unauthorized hard inquiries on my Transunion consumer report : XXXX XXXX XXXX Inquiry date : XX/XX/ XXXX XXXX  Inquiry date : XXXXXXXX  XXXX XXXX Inquiry date : XX/XX/XXXX  XXXX XXXX  Inquiry 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 non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I transferred XXXX to my cash app card to use at a later date.I chose to connect my personal checking account to pay my friends and family but cash app tells me through a default they can choose to ignore my request that my friends and family be paid from my checking account and make a payment if they choose from my cash app card that only have funds when I load money on it. But I thought that I chose how the money I load on it is spent! But they spent XXXX of the XXXX I wanted to use for something else and paid my friend with it, when in the past a payment was always withdrawn from my checking! How can I get them to honor my wishes and mind their business and not use a DEFAULT to do what I don't want

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Having a huge problem getting a fraud alert off my credit reports. I called in but I was told some of my information is not correct and to send in documentation to update everything so the alert can be removed. I have attached a letter with all of my current information.

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 2023-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a dispute letter with proof identity theft for the from XXXX for {$880.00} and the XXXX debt. I sent it out on XX/XX/2023 & I did my research and I sent them to all 3 credit bureaus certified mail but they acknowledged but they still havent removed it.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been nearly 30 days and you they are in violation of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in violation!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructionof the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS 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 non-monetary relief
Consumer complaint received 2023-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
On XX/XX/2023, I logge onto Moneygram 's website to send money to my XXXX in XXXX. This transaction is done every month for the past 3 years- my sisters and I collectively will send money to assist in taking care of our family back in XXXX XXXX On XX/XX/XXXX, XXXX my ucle explained that he was unable to pickup the money from me and my sister and wasn't given any information. I checked my email and received an email that the transaction was cancelled. It would take 10 Business days to receive the money back. I reached out to my sister she checked her email and received the same notification. When I reached out to Moneygram, they claimed that it was an internal decision to stop allowing the receiver to pickup money. It was suspicious activity. My uncle is the only XXXX  left in XXXX with my XXXX y.o grandmother- the money we send helps take care of her and medical issues. There are not many options where they live to send money- it's a hassle and discriminatory to determine who can receive money. Moneygram is a service provider-in this transaction. They should not be able to stop families from sending money on a whim. Especially without reaching out to the sender. If the receiver has suspicious activity they are accusing the sender of the same involvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 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: AL

Complaint narrative:
Having a huge problem getting a fraud alert off my credit reports. I called in but I was told some of my information is not correct and to send in documentation to update everything so the alert can be removed. I have attached a letter with all of my current information.

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 2023-08-16 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Having a huge problem getting a fraud alert off my credit reports. I called in but I was told some of my information is not correct and to send in documentation to update everything so the alert can be removed. I have attached a letter with all of my current information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a dispute letter with proof identity theft for the from XXXX for {$880.00} and the XXXX debt. I sent it out on XX/XX/2023 & I did my research and I sent them to all 3 credit bureaus certified mail but they acknowledged but they still havent removed it. A lot of the information between all 3 bureaus dont match either thats how you know the debt isnt correct. 
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been nearly 30 days and you they are in violation of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in violation!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructionof the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
The State of California chose to contract Money Network to process the Middle Class Tax Refund. I received a prepaid card from Money Network, without a security chip. I was only able to withdraw a limited amount as per their daily withdrawal limit ( {$400.00} ). When attempting to make a second withdrawal of the remaining balance, the card prompted an error message at the ATM. I called Money Network to inquire about the error message. I was told that funds were stolen from my account. 

I went through the process of initiating a dispute to recover the funds. I requested written confirmation of the event for my records. Money Network refused to provide written proof of the stolen funds. I was told that Money Network would not provide written communications about the event. I was told to wait for the dispute process to resolve and I would receive a check in the amount of the balance. Several weeks passed without any communication or check from Money Network. 

I took it upon myself to call Money Network for an update on the case. I was told that the dispute was successful and that funds were returned to the account balance. I asked when I would be receiving the check. The individual informed me that it would take between XXXX to XXXX business days. I asked when the dispute resolution decision was made. It turns out that the decision was made on XX/XX/2023 - three weeks ago and Money Network provided XXXX communication. I was told that a check would only be issued on the balance if requested by the account holder.

Money Network recklessly issued prepaid cards without the advertised safety feature of a chip, making Middle Class Tax Refund customer funds vulnerable to theft and fraud.

Money Network has been minimally if at all cooperative in communicating in the dispute process. Money Network stonewalls in respect to communication and in respect to making funds rightfully belonging to customers accessible to said customer. I was only issued a check when I took it upon myself to be proactive in calling in for a status update on the status of the dispute. Had I not done so, Money Network would have indefinitely held onto my funds. 

From the daily card withdrawal limit, to only offering fee free withdrawals at their unsafe partner ATMs, to issuing cards without safety features, Money Network has been irresponsible at every turn, looking out only for themselves, even creating the environment in which customer funds were made vulnerable to theft -- making customer funds ripe for the picking for any scammer to use a skimmer on the unsecure chipless Money Network cards at one of Money Network 's unsafe partner ATMs or on the dark web.

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 2023-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
After filing my original complaint with the company about the two issues I had the man who called me argued with me to try and do his job for him, he asked me specific dates regarding the calls where they wouldn't take my payments and the call where the company told me because I was XXXX I can do a repayment plan and they would fix the credit report which never happend again and again.. This man basically told me he needed specific dates from years ago to review the calls and said he would need proof and more information regarding my XXXX.. to my knowledge you already accepted my repayment plan in the beginning and YOUR company told me something your company now refuses to honor.., its his job to go and review those calls not myself and it was over 4 years ago how can i give you a specific date from 4 year ago i gave you a date range why don't you go do YOUR job and review those call periods?? .. he told me " no he wouldn't be doing that ''?? it's a simple request and he refused on all grounds and told me it wasn't his problem that the company they sold my loan too didn't have the forbearance documentation from covid.. well whos fault is it mine?? I never even signed a forbearance plan YOU just said I'm on it and i don't need to make payments.. So after you refused to take my payments and when you did sell the loan you just happen to forget to mention the most important part of the loan? I don't believe that was a mistake at all ... and I was forced to pay a Lump sum to the XXXXXXXX XXXX XXXX  to keep my house which I also found out was not true from this website where is says you have to offer payment plans.. i was never offered anything like that, I was told pay or good-bye house..

Company response to consumer: Closed with explanation