vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I had my identity stolen and realized there were fraudulent items on my credit report which caused me to fill out identity theft reports ( local police and FTC ) back in XXXX of XXXX. Then I submitted these reports to all 3 major Credit Reporting Agencies which caused them to remove all the fraudulent accounts. This company came back randomly a few months later and put this account back on my reports under the guise of it being a different account than the one that was removed. I contacted them on XX/XX/XXXX via a letter sent certified mail and got no reply or proof of any business we've ever done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act NCB Management Services account # XXXX, has violated my rights. 
This debt was included in a multistate settlement between XXXX consumer and several states attorneys lawsuit including Florida state which its where my debt was issue. I need this account removed asap from my credit reports on all XXXX bureaus as which its affecting me to get credit. 
I dont have any contract or written agreement with this debt collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I'm trying to apply to credit karma and to get a credit card but it's saying my information is incorrect. The only way I can think this might happen is due to my first state ID having the incorrect birthday. I got them to fix it but it's still saying on credit karma that my information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-03-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 letters were sent requesting validation of certain accounts included on my credit report. Not only has the investigation taken over 30 days, I have also not received any update regarding the information that has been disputed.

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 2022-03-24 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: PA

Complaint narrative:
In accordance with Fair Credit Reporting act convergent accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX 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 2022-03-24 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: PA

Complaint narrative:
In accordance with Fair Credit Reporting act convergent accounts : XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, I have a checking and savings account with Wells Fargo bank. For the pass several months my checking accounts has been hacked by someone living in the state of California. That person was using XXXX to pay bills. The amount came up to the total of {$200.00}. I filed a claim with the bank so that my money will be returned. The agent that works for Wells Fargo also told me that the account was hacked. The bank gave me a provisional credit for the claim in the amount of {$200.00} while they did the investigation into my checking account. On XX/XX/2022, I received a letter from Wells Fargo bank stating the following : We completed our research into the transaction and found they were authorized or that a processing error did not occur. As a result, on XX/XX/2022, we will deduct the provisional credit of {$200.00} provided to me on XX/XX/2022. The bank knows and saw that my account was hacked from someone in the state of California using XXXX. They asked me if I left my debit card with anyone or gave my account information to anyone. My answer to them was no I did not give my account information to anyone. I live in the state of Florida in the city of XXXX, how could the bank authorized anything coming from California.

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 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase debit card account XXXX was hacked on XX/XX/XXXX and XXXX. I have {$120.00} limit to trigger a Chase alert on my account. All unauthorized charges made were over {$120.00}. Chase did not put any alerts on my account via text messages on XX/XX/XXXX or XXXX 2022. I have requested all alert messages for XXXX from my local branch in XXXX, Ca and from the Chase fraud protection dept. Response : no alert messages are available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-03-24 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: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance One, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a letter from AllianceOne dated XX/XX/XXXX. The letter stated that I have a XXXXXXXX  Card from XXXX Bank XXXX and as of XX/XX/XXXX I owed {$210.00}. I take responsibility for missing a payment in XXXX of XXXX, I forgot I had used that credit card and did not make the payment. 

When I received the letter on XX/XX/XXXX I immediately paid the balance. On XX/XX/XXXX I received an alert that my credit score had decreased. I logged into my XXXX XXXX account ( they send the credit score alerts to me ) and saw that my credit score had decreased by XXXX points and it was due to missed payments for this account. 

I called both AllianceOne and XXXX  to ask for a " goodwill '' removal of this information as I paid the balance immediately upon receiving the letter and my credit history at this time will show I have not had missed payments in several years. XXXX informed me that I would need to contact AllianceOne about this, via telephone call on the morning on XX/XX/XXXX. They transferred me to AllianceOne. 

I was told by AllianceOne that they are unable to do anything and I needed to talk to XXXX. Here are specifics from the conversation with XXXX : ( XXXX ) they received the information from Target on XX/XX/XXXX, ( XXXX ) they are not able to send me any written information about what attempts they made to inform me about this balance, incident, payment, etc., ( 3 ) they sometimes make phone calls to customers but do not necessarily leave any voicemail messages. I did not receive any voicemails from XXXXllianceOne, ( 4 ) they have no record about if they called me or not, ( 5 ) they stated they have no record about when they first sent a letter to me, ( 6 ) they have no information at all about my account because I had already paid the full amount. I spoke with XXXX XXXX between approximately XXXX and XXXX on XX/XX/XXXX If I had made a payment prior to XX/XX/XXXX my credit score would not have been impacted. I received no communication from AllianceOne prior to receiving the letter on XX/XX/XXXX. The letter is dated XX/XX/XXXX but, depending on what time of day the letter was sent, that left a total of two business days for the letter to arrive in my mailbox and for me to have time to pay the balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I contacted this company XX/XX/XXXX and haven't heard back from them yet. They have yet to respond to my letter disputing these fraudulent debts. I was the victim of identity theft and need to get this fraudulent account removed from my report so I can move forward with my life. I submitted a police report and FTC report to the reporting agencies back in XXXX to XXXX and the CRA 's immediately removed this fraudulent account from my reports. This company attempted to pull one over on me and the CRA 's by re-reporting this account on my consumer file, after the CRA 's deleted it, by making the account seem like it was a different one from the account the CRA 's removed. I've attached the conditional acceptence I sent to their company on XX/XX/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 explanation
Consumer complaint received 2022-03-24 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I recently submitted a complaint regarding the reporting of some late payments reported by Amex. According to the SCRA some issues were fixed associated with the account, but the late payments have not been corrected. I have late payments being reported for XXXX, XXXX, XXXX. My Military deploymnet started in XXXX, I had no access to internet, my personal finances or anything. I think it is completely inaccruate and unjust for a credit card company to report late payments against a service member who had no access to his finances at the time. I have highlighted in the previous reponse the issues that needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 
This debt was included in a multistate settlement between Santander consumer and several states attorneys lawsuit including Florida state which its where my debt was issue. I need this account removed asap from my credit reports on all 3 bureaus as which its affecting me to get credit. 
I dont have any contract or written agreement with this debt collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: CA

Complaint narrative:
I sent notarized letters via certified mail to the companies in question. I have proof of acceptance from all three companies. In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX BANK Account # XXXX have 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 : Also states, a consumer reporting agency can not furnish an account without my written instructions. 

My letters have essentially been ignored by XXXX, Trans Union, and 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 2022-03-24 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: CA

Complaint narrative:
I sent notarized letters via certified mail to the companies in question. I have proof of acceptance from all three companies. In accordance with the Fair Credit Reporting act XXXXL XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXXXXXX Account # XXXX XXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXXK Account # XXXX have 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 : Also states, a consumer reporting agency can not furnish an account without my written instructions. 

My letters have essentially been ignored by XXXX, XXXX XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX and XX/XX/2020 were said to have been placed upon rear of loan. In addition to this assertion a payment in excess of the normal payment due was remitted and posted within 28 days of due date during the month of XX/XX/2020. With the understanding that no such payment was due this was to be applied to interest. 

The online portal, mobile app and service representatives advised that this was underway. After seeing it reflect negatively on my credit profile I contacted again and was advised this was human error coaching sense provided. 

They also confirmed on a recorded line in excess of 6 times with CRA 's and myself that this was to be corrected and submitted within 1-2 billing cycles. This assertion was the only reason I continued to give this company my business with my new loan since the loan above has long since been paid off. This correction never came and they have cost me over 7 tradelines, thousands of dollars, years of impact for which I intend to seek every remedy available to me. 

Despite countless calls, emails, letters and many assertions for which many witnesses were present now their executive office is backpedaling saying they won't correct and that reps misspoke how is that my concern as the customer???

At no point prior to this time in question have I ever been late, at no point since have I ever been late to include new loan or any of the other 6 paid off autos in the last decade which is easily verified. I have not been late with any creditor and this company has destroyed my families livelihood. 

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all of these people work for your company some are executives and they advised this was your error.

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 2022-03-24 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: MD

Complaint narrative:
On XX/XX/2022 The CRA in question sent a letter with a confirmation number [ XXXX ]. The Letter stated the result of the reinvestigation into an inaccurate account is not currently reporting on the Equifax credit file. When indeed it still appears on my consumer report. According to 15 U.S. Code 1681s-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

It is the CRA sole responsibility to make sure all information furnished is in accordance with the governed guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: Point Up Inc
State: PA

Complaint narrative:
I tried to use my debit card at XXXX on XX/XX/XXXX for the amount of {$1000.00}. The transaction was declined due to the wrong pin I used. However, the amount of money has been on hold for more than two weeks. I have tried to contact them twice to get my money back. However, they decline to do anything and ask me to wait until it expires. Two weeks are already way beyond typical temporary hold time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
On Monday ( XX/XX/XXXX ' 2022 ), I lost {$4000.00} due to Scam, the scamster called my Wife as immigration Officer and threatened to arrest us if we didn't pay him the pre-bail amount. 

As my Wife has a Joint account, she got duped and withdrew Cash from Checkign Account at FirstTech XXXX XXXX, and Gave it to Scamster in Gift Cards. 

I immediately Made the Police Complaint at Washington Sheriff Office and Filed a complaint on FTC, same day. 
I also made a complaint with the Bank XXXX FirstTech Credit Union Bank, XXXX, OR ) on same Day and following day, i went to bank in-person and again followed up with the complaint, the Bank Manager told me, they can not Refund my Money, as it is a cash withdrawal. 

Can you plz let me know, what are my options here?

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 2022-03-24 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:
XXXX dealers company access or share my credit report multiple times without my authorization with more than 5 agencies at the same time and same date. To my understanding when you purchase a house or vehicle during a period of days only one hard inquiry goes to the credit reports. In my case 5 inquiries to XXXX, 4 to Equifax and 2 to XXXX. All done the same date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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:
XXXX dealers company access or share my credit report multiple times without my authorization with more than 5 agencies at the same time and same date. To my understanding when you purchase a house or vehicle during a period of days only one hard inquiry goes to the credit reports. In my case 5 inquiries to experian, 4 to XXXX and 2 to XXXX. All done the same date.

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