vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: AZ

Complaint narrative:
Amounts of {$690.00} AND {$710.00} from a company based in Texas called Law Offices MBA. The balance date was for XX/XX/2023 but I don't know when it's saying that I acquired the debt. Either way, I know that I did not acquire the debt because I have been extremely good about paying off anything that I get and also I've already reported my identity being stolen once before

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these accounts, but the bureaus did not remove them, nor prove validation. 

Sec. 602 " I have a right to privacy ''. 

XXXX Account XXXX : XXXX Please remove it from my credit report. 

13. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

14. The following account is not mine XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. The following account is not mine Account Number : XXXX Please remove it from my credit report. 

16. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

17. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

19. The following account is not mine XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
They failed to id me with my state identification numbers, Dear Credit Acceptance, I am writing to request the return of my title and settlement funds in regards to the fraudulent transaction against XXXX XXXX XXXX XXXX. It has come to my attention that your company did not operate in accordance with the Truth in Lending Act 15 USC1681, and furthermore did not report my credit fairly. 

As you are aware, financing charges can only be paid with money in hand. I did not receive any money in hand and instead signed a contract which was not the full contract that I had seen on the Credit Acceptance website. Additionally, I did not receive my car as part of a proper consumer to credit transaction. Therefore, I am not liable for the debt that is required, are contract is null and void due to the contract being fraudulent. 

Given these circumstances, I am requesting the return of my title and settlement funds. I would like to settle this matter through our abbreviation clause. Please let me know how we can proceed with this, I extended them the credit they claim to have loaned me. 
I am a sovereign entity. 

According to Congress fraud is anytime a Person ( Corporation ) transfer, traffic, or transport your Government Authentication feature for value! 18 usc 1028d ( 1,3,9, 12 ).

Also i did not consent for any company to use my data using a SSA-89 it's fraud. Irs Publications 4681 states that all charge off are income.. How I still owe a debt that was written off as income. 
I also didnt put a down payment of XXXX that is false. Which makes the contract false. 
Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: TX

Complaint narrative:
XX/XX/XXXX XXXX & Transunion To Whom It May Concern : I recently asked you to verify the information contained in my credit file in which I have provided proof that the method you used to allegedly verify this item was invalid. 

Item in Question : Bankruptcy On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX I sent you a notice that your process was not valid due to my going directly to the company XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ) and either they do not report to Consumer Reporting Agencies or they are not reporting the alleged bankruptcy that you indicated in your correspondence dated XX/XX/XXXX, and the information being verified XX/XX/XXXX. Your attached correspondence shows that you replied that the alleged bankruptcy was verified via XXXX and stated that my dispute was resolved without sending me any documentation or proof of an actual investigation. 

I am aware that per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point, you have been granted that time. This is a formal notification that I plan on filing a complaint with the CFPB, and BBB against your company if this bankruptcy is not deleted from my credit report IMMEDIATELY! 

This is my last warning. 

I have enclosed their letter for your inspection. Please delete this unverified information as you may have mixed/merged my credit file. 

The XXXX and XXXX XXXX verifying this information is not recognized as proper validation! If this information isn't removed from my consumer report immediately. My rights as a consumer indicate below. 

You are required to provide me with actual documentation of verification or... 

Remedies for Fair Credit Reporting Act Violations If any of these three types of entities ( credit reporting agency, information supplier, or user ) violates the rules in the FCRA, you might be able to sue them in state or federal court for damages. 

The FCRA lets you sue a credit reporting agency ( or another person or entity that violates the law ) for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the violation, whichever is sooner. 
Please mail me an updated copy of my report once the bankruptcy is DELETED.

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 2023-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XX/XX/23 i tried to log into my mobile banking and couldnt. I tried several times and finally got into it only to find that all my money was taken out by someone in florida. i then called my bank to immediately get this resolved and get my money back, a total of {$2300.00}. 
XX/XX/23 i tried to log into my mobile bank account again and had the same trouble loggin in. so i called my bank again to get help, i found out that my new card was being sent to the scammer in florida and not me, then i found out that my bank overdrafted my account to rush me the new card. AND then i found out that my fraud claim wasnt even put through to my bank so they were not even working on the scam to get my money back. 
at this point i hope that they have been able to do the things that we tried to do over the phone like freeze my account so the scam cant keep taking money and stop all access to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
My PayPal account has been permanently restricted without notice or reason given. My account is locked for 180 days and no ability to remove my cards or funds. Again, no reason given and the help number could give no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/, I deposited a Cashier 's Check in the amount of {$5100.00} into my Fifth Third Bank personal checking account. When I checked my balance on XXXX XXXX XXXX I found that the cashier 's check deposit was not reflected in my account balance. I called the Fifth Third Bank and spoke with a supervisor to ask why the amount had not been credited to my checking account. He said that the Fifth Third Bank had placed a hold on the cashier 's check. I have reviewed Fifth Third Bank 's published deposit policy which states that a cashier 's checks are to be available to a depositor within one business day. 

My checking account with Fifth Third Bank has been in existence for over 30 years. 
I would like your help in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery A. for committing identity theft. I have never given Portfolio recovery A. any permission to use my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam legally refusing to pay this debt pursuant to 1692c ( c ). Iam demanding a cease and desist of all illegal activity, any alleged debts until Portfolio Recovery A. can provide me with sufficient documentary evidence, such as a trilateral contact, that I have any legal obligation to pay them. If this documentary evidence can not be produced and company continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery A. Will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028 A. extortion, theft by deception, security fraud, and mail fraud. Upon the receipt of documents herein and of this Notice, you are hereby notified Pursuant UCC 1 - 202f. Your prompt attention and response are both requested and required. Portfolio Recovery A. # : XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
US Banks failure to disclose the additional Wind and Hail Insurance monthly escrow payments exceeded the income/debt ratio of 28 % for me at the time of closing. That is the ratio used by most banks for loan qualifications unless U.S. Bank has different rules. US Bank failed to disclose any Wind and Hail escrow deposit required at closing costing me an additional escrow payment of {$1700.00} 8 months after closing. Prior to closing I ask several times if the additional wind and hail policy was required by US Bank and was told by XXXX XXXX on more than one occasion that it was not required. He told me that it was not required because my home was not located in a flood zone. I am attaching an email from XXXX XXXX @ US Bank telling me that that the wind and flood insurance is not a requirement. That answer sounded reasonable, so I did not question it after that. That was the end of it as far as myself and US Bank was concerned. However, after realizing the potential risk I decided to purchase the wind and hail policy on my own. I set it up on quarterly payments to allow me time to save up for the payments. I relayed this message to XXXX and told him I would send him a copy of the policy just for the record. I was unaware that he submitted my wind and hail policy to underwriting until about a month ago when I called him and ask what was going on with my increase in payments. This has now caused me to bring into question the trust I thought I could have with US Bank and possibly their intentions to get my loan closed and on the books. I am attaching a copy of the closing statement details on my loan # XXXX. 
I attempted to resolve the shortage issue with the mortgage department but was denied and sent a letter citing a VA requirement that the funds for the additional insurance had to be held in escrow. I have included a copy of the letter. 
XXXX XXXX XXXX in the mortgage department is my only contact at U.S. Bank, he was my closing processor. I am attaching a copy of the letter denying my request to not have the wind and hail insurance to be held in escrow, signed Escrow Department. I have included a copy of the letter. 
I am an active XXXX XXXX XXXX license # XXXX in the state of North Carolina and a retired military veteran with over 22 years on XXXX XXXX. 
Your assistance in resolving this matter would be greatly appreciated. 

Encl : ( 1 ) XXXX XXXX email stating wind and hail not required Encl : ( 2 ) Closing statement page 2 from XX/XX/XXXX Encl : ( 3 ) XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX showing Current Payment Plan ; Quarterly Direct Encl : ( 4 ) US Bank denial letter dated XX/XX/XXXX signed escrow department Respectfully, XXXX XXXX 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 monetary relief
Consumer complaint received 2023-04-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I paid off the account with XXXX  but they are reporting it as a charge off please update to paid and closed.

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 2023-04-10 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: CA

Complaint narrative:
Today, XX/XX/2023 I got a notification from my credit monitoring agency that XXXX pulled my credit report. They pulled my report without my verbal or written authorization. Those credit union has violated my rights multiple times. XXXX has also reported incorrect information about past due payments when I was waiting for their approval on a hardship request. I was told they were behind and I emailed and called them multiple times without a response but yet they still reported inaccurate information to the credit agencies. 

NOTE : In accordance with the Fair Credit Reporting Act XXXX  has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit/loan account under an open and consumer credit plan as late for any purpose.

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 2023-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Chase account to the fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: WA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I have filed two claims for a Zelle payment in the amount of {$1500.00} for each claim totaling {$3000.00} that was sent on XXXX XXXX XXXX Immediately upon realizing that the phone call was a fraudulent scam, I contacted XXXX XXXX and ask that they try to cancel the payment and/or reverse it. I informed XXXX XXXX that I was a victim of a scam and fraudulently induced payments through Zelle. I contacted XXXX XXXX Police Department and opened a case with the local police. This claim has now been escalated to the FBI. 

I have been made aware of a new Zelle Policy that should cover my situation and allow for reimbursement of the {$3000.00} from XXXX XXXX. I am sure you are also aware of this secret Zelle policy as well. 

" We are not sharing more details about which scams are covered to avoid tipping off fraudsters, and we will continue to evolve our requirements to address new patterns, '' according to a statement sent XXXX to the XXXX XXXX by spokeswoman for XXXX XXXX XXXX XXXX, the network operator of Zelle. 
The new requirements, according to the statement, are being added to " ensure consistency across the Zelle Network and improve consumer benefits. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
It was with portfoliorecovery they called me at work on my job I was threatened, yelled at. The calls never stopped. I asked them to stop calling me and they ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: CA

Complaint narrative:
I went on XXXX XXXX XXXX XXXX to use their pre-approval tool which does specifically say it was not going to affect my credit. 
They said i was pre-approved with XXXX  XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX, XXXX. 

Why do i proceed to getting multiple alerts back to back on XXXX XXXX about hard inquiries when it specifically stated there would be no hard inquiry. I though maybe XXXX XXXX was not getting the right information so I logged into XXXX itself to check XXXX  XXXX appears 5 different times from XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX as well 5 different times within those dates back to back to back on every day, why? I put my information once on XXXX  XXXX and it said it was not going to affect my credit

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 2023-04-10 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: CA

Complaint narrative:
I went on XXXX XXXX XXXX XXXX to use their pre-approval tool which does specifically say it was not going to affect my credit. 
They said i was pre-approved with XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX, XXXX. 

Why do i proceed to getting multiple alerts back to back on XXXX XXXX about hard inquiries when it specifically stated there would be no hard inquiry. I though maybe XXXX XXXX was not getting the right information so I logged into XXXX itself to check XXXX  XXXX appears 5 different times from XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX as well 5 different times within those dates back to back to back on every day, why? I put my information once on XXXX  XXXX and it said it was not going to affect my credit

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