vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 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: IA

Complaint narrative:
I became aware on XX/XX/23 that a virtual credit card account had been opened in my name through XXXX when I received a letter from TD Retail Card Services asking me to verify a change of address for my account and to call them if I had not done so. When I called their number I reported that I had not opened an account through XXXX and they opened a fraud case XXXX and said they would mail a form for me to complete and return indicating that I had not opened the account. On XX/XX/23 I received the Declaration of Fraudulent Activity Statement which I completed and faxed to them on XX/XX/23. The letter that came with the form stated that they would use it to complete their investigation if received within 14 days. I called TD Retail the following day and was told my fax had arrived. I next received a letter from them stating that my claim was denied due to confirmation paperwork that XXXX had delivered XXXX products to a mail drop service to a company in New Jersey, which was the XXXX used to change the address XXXX day after the account with XXXX was opened with my address in Iowa. My recent attempts to contact the company have been ignored and I have filed a report with my local police department as well as a complaint has been sent the company from the Consumer Protection Division of the Iowa Attorney 's Office. From the delivery copies the company sent with their denial letter it looks as though XXXX XXXX phones were delivered with a total amount {$3500.00}. I have placed a freeze for myself and my husband with the XXXX major credit reporting companies to prevent any further cases like this, hopefully.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc.
State: TN

Complaint narrative:
Got a call from XXXX asking to verify my XXXX. They had the last XXXX of my SSN. Asked to collect the debt for XXXX- was calling from Credit corp solutions. 
I have no debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: Block, Inc.
State: PA

Complaint narrative:
Hi, on XX/XX/23 my card was fraudulently used. I called square to notify them on my funds being taken and started a dispute. I was asked several questions one being, was my card in my possession at the time of the the transaction. I stated yes, I was in California at the time. XXXX transactions were taken out of my account from a XXXX XXXX XXXX in New York. A short time later i was told my request for the funds would not be returned because the card was in my possession. 
I asked could I have information about the transaction and I was told they did not have any of the details besides the name. I asked if they could please do an investigation and I was told no, they go by XXXX XXXX rules and no investigation can be done. I even tried to ask who would spend that much money at a XXXX store in New York and they still gave me the same response. I know if a proper investigation I was done they would see that was not the person who used my card. I also find it strange that a short while after I was give a loan from square for close to the same amount that was stolen. There are all types of scams these days like copying cards ect. 
Please help me with this matter thank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I started XX/XX/2023 I have called I have mailed letters to transunion asking them to take the things off of my report that is fraudulent, which is the inquiries on my report they have yet to do that. Also in the last case they stated the US BANKRUPTCY COURT provided them information about my filings and that is False. I have sent transunion a copy of the bankruptcy court letter, and I will upload my letter to this claim. I have filed a police report i I also sent a copy to transunion and I will upload it to this claim. Transunion have violated my rights as a consumer. And when I call to talk with someone they get really aggressive with me, mainly the supervisors. All I want is whats right! The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) if i dont get the right resolution after this claim I would like the CFPB to help me file a lawsuit against Transunion and Against anyone that has violated my rights!! I have followed every procedure transunion has asked me to do but they have not been following the laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
Received a call on XX/XX/2023 from XXXX and XXXX from phone number XXXX about a debt on a Compass Gold card through HSBC, which I've never even had. The man threatened to sue me if I didn't pay it. I stated again that I never had a Compass Gold card. He got mad and hung up. I called back and a woman answered. She immediately got aggressive and yelled at me that they were going to sue me. I told her to go ahead and sue me then, because I am not paying a debt that isn't mine. She continued to yell at me for another XXXX seconds or so before hanging up. I tried calling back several times to get some answers as to why they were harassing me. It appeared that my number was then blocked at that point, as it would not ring through and immediately disconnected every time I tried to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: AZ

Complaint narrative:
XXXX XXXX Equifax were under 30 days to investigate public record on my person credit I was supposed to obtain.of verification accounts verified I have letters from court. 
houses again and again saying that they do not give information. 
to 3rd parties like credit bureaus or anyone for that matter. Many people have even called. 
the courthouses to receive that information and knowledge. 
that the credit bureaus cant obtain FULL socials and addresses and bankruptcy information. 
So, how does a credit bureau get this information? 
XXXX XXXX is and has been on as security freeze since XX/XX/2022. I have both documentation from both XXXX XXXX and bankruptcy court saying the information had and will never be disclosed from them. so once again you have failed to disclose the VERIFIED account in 30s days. this yet another UNverified account and has lacked the 30-day investigation period to verify because of which I would like all public records that are unverified off immediately including bankruptcy and dismissed bankruptcy. if the full name full address and copy of original documents with full social is not provided this is a verified public record and i would like it off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Transunion XXXX XXXX were under 30 days to investigate public record on my person credit I was supposed to obtain.of verification accounts verified I have letters from court. 
houses again and again saying that they do not give information.

to 3rd parties like credit bureaus or anyone for that matter. Many people have even called.

the courthouses to receive that information and knowledge.

that the credit bureaus cant obtain FULL socials and addresses and bankruptcy information.

So, how does a credit bureau get this information? 
XXXX XXXX is and has been on as security freeze since XX/XX/2022. I have both documentation from both XXXX XXXX and bankruptcy court saying the information had and will never be disclosed from them. so once again you have failed to disclose the VERIFIED account in 30s days. this yet another UNverified account and has lacked the 30-day investigation period to verify because of which I would like all public records that are unverified off immediately including bankruptcy and dismissed bankruptcy. if the full name full address and copy of original documents with full social is not provided this is a verified public record and i would like it off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received My Credit Report on XX/XX/2023 and noticed there were hard inquiries that dont have permissible purpose to be on there. These Hard inquiries are hurting me from getting approved.I already reached out to the credit bureaus about the multiple times they keep violating my rights under 15 USC 1681b. I have also Attached the hard inquiries that do not have permissible purpose to be on 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 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I took out a medical cc from Wells Fargo that had a 20 month interest free promotion. I had three XXXX resulting in 2 promotion periods. I had been making more than the required minimum payments, expecting that the first promotion would be paid down first. The bank allocated part of my payments to the second promotion. Now at the end of the first promotion period I am required to pay 75 % of my outstanding balance. Which negates any benefits that I would have received from my second promotion balance. I have talked to Wells Fargo many times and escalated it to senior management, but their response is that is what the system does and they cant do anything about it. I feel the promotion was fraudulently presented in that the allocation of minimum payments was not adequately disclosed. 

I had to call Wells Fargo to get the amount due to avoid a penalty because it is not obvious on the statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: IL

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: IL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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 non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Glory LLC
State: TX

Complaint narrative:
Credit Glory charges a non refundable set up fee of {$170.00}, in addition to a required subscription for {$99.00} per month. Then, after you've already committed, they tell you an additional monthly subscription to XXXX XXXX for $ XXXX is required for them to be able to even perform services. 

1 month into services, I received letters from XXXX and XXXX that a 3rd party attempted to start a dispute on my behalf but failed to identify themselves as my authorized representative. Therefore, no action had been taken on my account. So by this time, I was already being billed for a second month of subscription services. Fortunately, I was able to push my billing date back with Credit Glory enough to be able to see their results, which was no further along since the bureaus blocked action on my account. Therefore, I was only charged the 1 month of subscription for {$99.00} for Credit Glory. I was still charged 2 months for XXXX XXXX  As I understand, they are a separate company. However, Credit Glory is the original entity that signed me up and and took payment for both Credit Glory and XXXX XXXX  services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Revenue Cycle Associates, Inc.
State: GA

Complaint narrative:
on XX/XX/2023 my phone was called at XXXX XXXX My friend happened to be who picked up the phone, the woman on the line told she was calling for XXXX XXXX, my friend asked what the call was concerning. she stated she had to tell her the call is being recorded, then gave out my full address as if to verify who it was, my friend asked once again what was the call concerning. never once did she acknowledge that she was me or that the information was correct. she only kept asking what the call was concerning. the woman on the phone told my friend the entirety of a account information for a woman 's clinic that I supposedly have a bill for. she told her the amount ( {$1500.00} ) and what it was for. My friend who is also a Debt Collector knows the laws and started to defend me. she told the woman she violated FDCPA and HIPPA by revealing the information without confirming who she was. The woman on the phone tried to tell her that because she " Paused '' when she asked about the address, that it verified who she was and proved she was the correct person. when in fact she was not. she argued for a long while that she did in fact verify who it was because she paused. no matter what my friend said the woman kept arguing that she was me. Never once was she mini mirandized, she not only broke FDCPA but also HIPPA and REG F. My friend didnt get her name, she said she never told her she only said she was calling from Revenue Cycle Associates , but they did mention the call was recorded only after stating the address. The entire thing was extremely embarrassing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello i've sent dispute letters to XXXX, Equifax, and XXXX this is the fourth round of letters i've sent out and disputed without any results. My last round was sent out XXXX XXXX. It's been over 30 days and nothing has changed. These items are not mine and are hurting my credit status as im trying to purchase a new home in the near future, thanks. 
Creditor : XXXX XXXX, Account : XXXX Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Credit Inquiry from XXXX XXXX  XXXX, Inquiry Info : HARD Inquiry : Banking - XXXXXXXXCredit Inquiry from XXXX XXXX Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX XXXX  XXXX, Inquiry Info : HARD Inquiry : Banking - XXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXXCredit Inquiry from XXXX XXXX, XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXXCredit Inquiry from XXXX, XXXX, Inquiry Info : HARD Inquiry : Banking - XXXXCredit Inquiry from XXXX Inquiry Info : HARD Inquiry : XXXX XXXX XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXXCredit Inquiry from XXXX XXXX Inquiry Info : HARD Inquiry : Banking - XXXXCredit Inquiry from XXXX Inquiry Info : HARD Inquiry : Banking - XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX - XXXX Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Inquiry from XXXX XXXX XXXX Inquiry Info : HARD Inquiry : XXXX - XXXXCredit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX  - XXXXCredit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XX/XX/XXXX moved to my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Tx XXXX XX/XX/XXXX Had to cancel my service with XXXX The couldn't provide internet to my area I signed up with XXXX XXXX {$25.00} text/talk/data with 3GB Hotspot I then called all the internet providers in my area XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX etc . but none of them could provide internet to my address I still don't have internet service XXXX almost 1 year later A letter was sent to my emergence contact with my name dated XXXX from Credence Resource Mgmt. XXXX XXXX XXXX XXXX XXXX, TX. XXXX stating I owe XXXX {$100.00} service date XX/XX/XXXX I called them but they couldn't give any information what the service was for. I have never had an account with XXXX  only a conversation by phone XX/XX/XXXX XXXXcalled The FCC XX/XX/XXXX I filed a complaint with The FCC Ticket # XXXX XX/XX/XXXX Called XXXX but they insisted they couldn't give me any information because it was sent to collections We went round an round but to no avail This same day Credence Resource called me and stated I had to pay the debt or fill out a police report for Identity Theft I told them I would do neither This is simply a mistake. ( They sent the form anyway My emergency contact received the forms XX/XX/XXXX ) XX/XX/XXXX! year later XXXX XXXX office called She kept asking for my Soc. Sec. # I was willing to give my last 4 numbers because if I had an account with XXXX  they should have it She said she couldn't talk to me without my Soc. Sec. # and we went round and round I told her I wouldn't give out any more information they should have and the call ended. 

XX/XX/XXXX Called Consumer Finance ( you ) and was given information about how to file this compliant I don't owe XXXX anything I have never had an account or service with them I have never defaulted on any debt I have never paid any bill late I I have never had an XXXX  I have been with XXXX Since XX/XX/XXXX XXXXXXXX is trying to extort money from me holding my credit score hostage Everyone uses your credit score for little things like renting an apartment. I'm XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or a company you represent. I did not open or authorize this account, so I request that it be closed immediately. I also request that Bank of America absolves me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: IN

Complaint narrative:
It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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: FL

Complaint narrative:
I received My Credit Report on XX/XX/2023 and noticed there were hard inquiries that dont have permissible purpose to be on there. These Hard inquiries are hurting me from getting approved.I already reached out to the credit bureaus about the multiple times they keep violating my rights under 15 USC 1681b. I have also Attached the hard inquiries that do not have permissible purpose to be on my credit report

Company response to consumer: Closed with explanation