vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-21 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: MI

Complaint narrative:
Equifax and XXXX has continued to violated my FCRA rights they continue to be in violation of numerous complaints I have submitted and question there integrity on a throughly investigation of these fraudulent accounts which I have summit documentation including police report of fraudulent account, and FTC report as well to them. Im demanding for these account under 15 U.S.C 1681 b ( a ) 2 to be remove from my credit report immediately!!! 

Equifax and XXXX has violated Under 15 U.S.C. 1681 C-2 section c No later than 4 days of this notice request I demand Equifax to remove this fraudulent account XXXX XXXX  account XXXX XXXX Equifax has violated 15 U.S.C. 1681 b ( a ) 2 15 U.S.C. 1681 g section a ( 1 ) 15 U.S.C. 1681 c ( a ) section 5 states any other adverse items of information other than records of convictions of crimes which antedates the report by more than 7 years. 

XXXX XXXX  has falsified an agreement statement in my credit report I have not sign any written agreement with this company this fraudulent account by this collector is in violation of 15 U.S.C 1692 d 15 U.S.C. 1692 a section C 15 U.S.C. 1692 a 15 U.S.C. 1681 C-2 15 U.S.C. 1681 g section XXXX XXXX XXXX - most be removed from my report as well immediately due XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX is in violation and has violated my rights 15 U.S.C. section 602 8 states I have the right to privacy 15 U.S.C. section 604 a section 2 also states as a consumer reporting agency cant furnish my account with my written instructions. This account is pay in full as agree and must be delete from credit report Immediately!!! And has been in violation of 15 U.S.C 1681b ( a ) 2 15 U.S.C. 1681 g section 1

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 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: FL

Complaint narrative:
I am submitting a formal complaint against XXXX XXXX for illegally sharing my transaction history with Experian on XX/XX/XXXX. Subsequently, Experian shared the same information with XXXX. These actions represent a blatant violation of 15 USC 1681a ( 2 ) ( 1 ), which is a provision of the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974. This unauthorized sharing of my sensitive financial information not only violates the FCRA but also compromises my privacy and security. Furthermore, Experian, as a consumer reporting agency, is also accountable for their role in this violation. By receiving and sharing my transaction history without proper authorization, they have breached their obligations under the FCRA and have infringed upon my privacy rights as guaranteed by the Privacy Act of 1974. To support my complaint, I have attached a copy of the letter I sent to XXXX XXXX detailing the violations and demanding rectification. Additionally, I have included proof of my information being shared with XXXX, a third-party website, without my consent or knowledge.

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 2023-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a letter regarding an application for an XXXX XXXX XXXX XXXX ( letter attached ). My former address is on the letter. I did not submit an application of any credit card from Bank of America. I did contact Bank of America in writing ( USPS ) to advise that this is a fraudulent application.

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 2023-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
i was scammed but i gave the man vanilla visa debit cards can they be traced to whoever cashed them XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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: MD

Complaint narrative:
My information was used to obtained services to opened an account ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX that I was unaware of and gave no permission to do so. The account was opened on XX/XX/XXXX with a Credit limit {$4000.00}. It currently shows on my credit report since XX/XX/XXXX an outstanding due balance of {$6900.00}. This account was obviously opened fraudulently without my permission and need this account to be removed off my credit under the ( Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The address used in associated with opening this account was XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX. I have no knowledge of this address. This information is in violation for inaccurate reporting under FCRA. The reporting is negligent and erroneous data in the way the company is reporting this information and is in violation of the FCRA. XXXX, XXXX and Equifax is in violation of this reporting! Immediately remove this account from my credit file immediately within 30 days! I will file a lawsuit in this matter if this information is not removed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have noticed some unfamiliar inquiries on my consumer report that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Good morning, back in XXXX I had a rental with XXXX, they had almost XXXX dollars on hold in my capital one account. When i returned their car in XXXX they released the money they had on hold back to my capital one capital one stated that they didnt see any money released into my account and closed my dispute when i provided my receipt of the amount that XXXX  was supposed to charge me, i called again and spoke to someone else and they re opened my dispute they asked me to contact XXXX  and ask for proof indicating that they released the money and when. I provided capital one with this information, days later capital one took the negative funds from my savings account without my consent or without warning me leaving both of my checking with negative balance and no funds in my savings. My {$2700.00} dollars got lost between XXXX and capital one plus capital one took {$1300.00} from my savings. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Army and Air Force Exchange Service
State: MD

Complaint narrative:
My information was used to obtained services to opened an account ( MILITARY STAR CARD/Army & Air Force Exchange SVC ) that I was unaware of and gave no permission to do so. The account was opened on XX/XX/XXXX with a Credit limit {$4000.00}. It currently shows on my credit report since XX/XX/XXXX an outstanding due balance of {$6900.00}. This account was obviously opened fraudulently without my permission and need this account to be removed off my credit under the ( Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The address used in associated with opening this account was XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX. I have no knowledge of this address. This information is in violation for inaccurate reporting under FCRA. The reporting is negligent and erroneous data in the way the company is reporting this information and is in violation of the FCRA. XXXX, XXXX and XXXX is in violation of this reporting! Immediately remove this account from my credit file immediately within 30 days! I will file a lawsuit in this matter if this information is not 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 2023-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On Tuesday XX/XX/2023 a person claiming to represent Wells Fargo called to inform me money was mistakenly transferred from my bank account to a person in XXXX Florida at a XXXX  store, and my XXXX daughters. This person had information only me and the bank would have. He instructed my how to have my daughters transfer the money back to me using XXXX. They did, but the {$3300.00} money never appeared back into my account and went to the fraudster. The next day I filed a fraud report with Wells Fargo and my local Sherrif. Wells Fargo transferred money from my daughter 's accounts into mine and did not replace the money in my daughter 's accounts. We are missing {$3300.00} due to this fraud and trickery and Wells Fargo has not restored the 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 explanation
Consumer complaint received 2023-05-21 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 XXXX. XXXX XXXX account # XXXX and amount of {$690.00}, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, MN XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX, has violated my rights. 

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

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 2023-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SandP Solutions, Inc.
State: CA

Complaint narrative:
on XX/XX/2023 I was doing my online banking and making credit card payments when a flashing/flickering window popped up on my laptop screen saying do not turn off your computer, your computer has a threat. a number appeared to call immediately and I called because I never saw this before. the person that answered the call stated I was being hacked and my finances were at risk, he asked for my personal information and the amounts of my bank accounts, how many credit cards I have. I said I had about {$4900.00}, he said oh it's {$4000.00} you have available. Per his request, I gave him the name of my credit card and balances, and amounts available to use. He said that {$3500.00} was going to be withdrawn from my checking acct in two hours and I needed to take the money out to protect it from the scammer who was using it for XXXX  XXXX subscriptions, if the government would find out then I could get caught and even would go to jail. Gave me a case # XXXX and I was to follow two steps for this hacker to avoid remove the money and to let the government it's not me. XXXX ) I went to my branch, XXXX took out XXXX, deposited for " only verification '' {$2000.00} in a bitcoin machine at XXXX XXXX XXXX, NC. XXXX, {$1400.00} in another, the first one got stuck at XXXX XXXX XXXX, NC. XXXX. I was supposed to get the money back into my bank account or new account in a few minutes, since it is weekend, Monday is the day to have the transfer. I went home and told my son, immediately he told me it was a scam. I should've told him but I was afraid and wanted to resolve this issue. I called this person and did not answer XXXX. My heart ached and started crying for being naive and stupid. I should've known better. I called bitcoin several times, no answer, I left messages, i emailed them too. I called my bank and I was given educational information on how to prevent this to happen in the future. I contacted the 3 credit report bureaus to freeze and protect my identity. I changed my passwords, I am using double authentication for my online accounts. I feel sad and upset. I have heard of these scams and bitcoin money, but I didn't think it would happen to me, not in a million years.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have taken the necessary steps to address this issue by reporting the presence of false information. Being a victim of identity theft, I have experienced significant stress and financial hardship due to the inclusion of products that are not mine and for which I am not responsible. Failure to handle this complaint appropriately may result in legal action. These false and fraudulent entries on my consumer report have hindered my ability to afford my desired vehicle and support my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I received numerous of calls regarding a credit card not used by me someone used my name for XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from a portfolio recovery who. As well have breach information thru some source XXXX XXXX XXXX XXXX XX/XX/XXXX they called and harrased numerous of times from XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
Citibank decided to close my account for no reason, and when I called on XXXX they told me they will mail me a check. I called on XXXX to see where they were in the process. The representative told me it wasnt closed yet. It has been about 30 days now, and I still haven't gotten a check.

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 2023-05-21 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The credit reporting system is dependent upon my consumer report displaying fair and accurate information. OnXX/XX/2021 - XXXX XXXX , Account Number : XXXX added a derogatory mark on my credit report per Experian. This information is completely inaccurate, also is a violation and unfair to me because I was never notified when the inaccurate information was furnished and I was never notified when during the agencies initial investigation that they were going to report the information. This grave error by Experian has undermined my confidence in the companys procedures. This company is a powerless elaborate mechanism and this mishap that this company has caused has ruined my reputation and adversely affected my credit worthiness. This company assumed this role and was not given expressed permission by me the consumer, or a competent court of jurisdiction, so not only did this company fail in the initial investigation of this information. They also assumed this role, and assumed this inaccurate information was valid. Which is a violation of my consumer rights. according to the FCRA XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account 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 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: HI

Complaint narrative:
i cancelled an account with XXXX XXXX  10 times in XXXX  never received goods or services before or after XXXX, i have sent multiple emails to XXXX XXXX i tried using the pass once but it did not work have written to collection agency for XXXX XXXX stating the above i am getting mail from a 2nd debt collector Jefferson Capital dept XXXX XXXX XXXX XXXX, AL XXXX also received collection letters from XXXX XXXX statement date of original charge XX/XX/ for {$780.00} i have written to XXXXXXXX XXXX to dispute the charge. in response they sent me to a 2nd collection agency jefferson Capital address is above i have been disputing this charge by email and regular mail i have called XXXX XXXX and XXXX  to dispute the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: AZ

Complaint narrative:
I dont know anything about this debt, never received anything about it, I need dates, times, and services. I had insurance so I dont know how I had this problem unless its not mine. I NEED SOME SORT OF PROOF THAT IT IS MINE THATS ALL IVE BEEN ASKING FOR XXXX XXXX XXXX I NEED TO SEE THE PROOF OR REMOVE THIS XXXX FROM MY CREDIT REPORT ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I disputed several inaccuracies with Equifax requesting a investigation and deletion of these items. Equifax never responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: KS

Complaint narrative:
In XXXX of XXXX, 12 separate charges adding up to {$240.00} dollars appeared on my XXXX XXXX XXXX debit card from an online gambling company called " XXXX XXXX. '' As I do not have ( and have never had ) an account with XXXX XXXX, XXXX XXXX immediately determined that these charges were the result of fraud and removed them from my account. However, XXXX XXXX turned the charges over to a collection agency, TRS Recovery Services, which began attempts to collect the debt. 

In XX/XX/XXXX, Upon receiving communication from TRS Recovery that they were attempting to collect on this {$240.00} debt, I responded in writing informing them that this was not my debt. I will upload and attach that letter ( File " TRS Recovery Letter XX/XX/XXXX '' ) Now in XX/XX/XXXX, TRS Recovery has ignored my written letter from XXXX and is now continuing the debt collection process with a series of 12 separate " second request '' collection letters adding up to the same {$240.00} figure. It seems that my written letter indicating the debt was not mine has simply been ignored.

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 2023-05-21 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: TN

Complaint narrative:
In accordance with The Fair Credit Reporting Act. The list os accounts below has violated my feral protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Account # : XXXX 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 an 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. 
XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX. 
Violated my Rights

Company response to consumer: Closed with non-monetary relief