vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

I have already disputed these items with the bureaus but they did nit remove them, nor prove validation under Sec. 609 FCRA.

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 2023-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hodosh, Lyon & Hammer, PC
State: RI

Complaint narrative:
This is a new and separate complaint about Hodosh and Lyon, a fraudulent debt collection firm located in XXXX XXXX XXXX. I am also making a complaint to the State of XXXX XXXX XXXX XXXX XXXX for false conduct of attorneys. 

This law firm wrongly and falsely wrote to the CFPB that a debt from XXXX XXXX XXXX ( XXXX ) and/or XXXX XXXX XXXX was litigated at XXXX  Superior Court , XXXX # XXXX. The online court docket clearly shows this was a default judgment ( attached ), not a litigated judgment to decision. 

Also attached is a false affidavit from that case made by XXXX that references an account ending in # XXXX, but attached to that affidavit is a XXXX XXXX statement ending in # XXXX. Hodosh and Lyon 's demand letter references the same debt ( account ending in # XXXX or # XXXX ), however, XXXX XXXX XXXX XXXX ( XXXX ) XXXX, has called me twice and admitted XXXX had NO records for the XXXX  statement and account ending in # XXXX ( and later changed to # XXXX by XXXX ). No credit application with my signature, no proof of charges I made. 

While the alleged originator of debt, XXXX, has admitted they have no proof, Hodosh and Lyon falsely claim this office, in consultation with XXXX XXXX XXXX XXXX, have thoroughly reviewed your account and have concluded that all charges were properly assessed to your account. 

Hodosh and Lyon did not stop there. They made additional and intentionally false claims against me by attaching two unrelated statements from XXXX cards in years XXXX and XXXX, ending in # XXXX and # XXXX. They also falsely point to airline travel at that time and charge-offs in XXXX. What was charged off was fraudulent activity!! Nothing I personally charged. 

I am a well-documented victim of identity theft, see police reports attached. Hodosh and Lyon are fraudulent debt collectors who bought an alleged debt that even the originator ( XXXX  ) can not prove. They continue to pursue an innocent person by MANUFACTURING alleged proof. Their letter ( attached ) is false as NO proof exists that I ever signed up for the subject XXXX XXXX  card ending in # XXXX, which account was allegedly changed to XXXX XXXX XXXX # XXXX. This debt collection firm needs to have its law license revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc.
State: MD

Complaint narrative:
My employment history is incorrect regarding the dates for my employment with XXXX XXXX. 
The employment verification says I started with XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. My start date with XXXX XXXX is XXXX XXXX XX/XX/XXXX, not XXXX of XXXX. 
This is causing flags on my background check for employment because the dates arent matching. 
Ive reached out to XXXX XXXX XXXX several times and left several messages and sent a letter and its still not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo I was issued a check for XXXX from the overpayment of my deceased spouse 's car loan. I was informed to send the check back with proof of his death certificate and marriage certificate so the check can be reissued in my name, when I called the company they said they never deceived this documentation, which was sent on XX/XX/XXXX. In the meantime, I am out of money that is owed to me and I need that money to eat. Wells Fargo is a scam in every sense of their company.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Accordance with the Fair Credit Reporting Act this creditor has violated y rights under 15 USC 1681 section 6 o2 states I have the right to privacy ( 15 USC 1681 ( section6 o4 section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have been a victim of identity theft. There are accounts with XXXX, XXXX, and Experian opened on my account that arent mine.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Avant Holding Company, Inc.
State: RI

Complaint narrative:
On XX/XX/23 I was approved by Avant for a credit card for {$300.00} I agreed to accept the card but the company was unable to finish the application because they couldn't verify my identity. They verified my phone number, and email, but couldn't verify my identity with a selfie matched with a driver 's license even though I provided the information. 

They couldn't resolve the issue so the inquiry needs to be removed due to my not wanting to apply for something I can't be approved for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Im dealing with a dispute on a big purchase that was done on my AMAZON credit card. They ask me to send them incident reports for each item that was ordered. I send incident reports multiple times with all the information required. This issue has been going on for months with no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Freedom Credit Card opened in my name. Sent to my address. It had not been used so I don't know if the person was planning to snatch it out of my mailbox or just use the credit number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: AZ

Complaint narrative:
I am still getting phone calls, letters on a debt that is not mine. If you review all the CFPB case history, this is an uncollected debt, not mine, this company, XXXX XXXX XXXX has not been a viable business for many years. They are still reporting this debt on my credit report, many times they have said this case is closed via CFPB and allegedly it was and they keep attempting to sell this debt for collections. I want this stopped and removed on my credit bureaus on all three bureaus. You last case number that was closed was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
So on XX/XX/XXXX at approximately XXXXXXXX XXXX. I tried to cash out {$1000.00} from cash app to my chime account that I added 2 minutes prior. When I did not receive the instant cash out to my time account I noticed that it had gone to a different card that I did not have possession of that I don't have never had. So I contacted cash app and they told me that the money went to a XXXX XXXX  card with transaction number that they gave me I contacted XXXX XXXX XXXX XXXX can not find that transaction number and their system for that date or time or at any point I guess and I have been trying to get with cash app to try to get this fixed ever since then I keep getting denied by their what they call specialty team. So I've got the cash app too tell me that I based on their records added added a card deleted a card and hit the cash out all at the same very exact same minute so I need this looked at and remedied please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: CCF Intermediate Holdings LLC
State: WA

Complaint narrative:
Repeated abusive, harrassing behavior nearly weekly phone calls despite I block and report all the numbers they seem to try to use.They refuse to be clear about how they say they are XXXX XXXX and multiple other names. I asked her to spell the name of her co. and she refused and was further abusive. Robo call prompts to call XXXX w/my case no. XXXX. They claim to be a mediator and the issue concerns Cash Central that I've never heard of. When asked to mail me all documents they hang up. I want these people stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NM

Complaint narrative:
XXXX XX/XX/XXXX the bank chime had a employee call me and take XXXX from my account and made XXXX transactions and bank won't give me my money back and they have a male employee use my card and I told I didn't allow em transactions but they need to give my money back and I'm a XXXX women that chime bank took XXXX from her.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was a victim of fraud on XXXX. I contacted Navy Federal and they were aware of the fraudulant actions within 24hrs. I was told it was dealt with early enough and the individal did not get any money. One month later my account goes into the negative, i inquire as to how and why. They now state that the fraudster DID get the money he tried to get, and the negative balance I now see is because credits that were applied, have rolled off. They stated here, that when the investigation was done, I would recieve my money back. 
On XXXX ( yes, almosttwo months now ) I called to inquire the status of the investigation. At which point I am told it was found not to be fraud, and I am responsible for the money that was taken from them, via my account. 
I submitted a claim refuting this finding, and am now submitting this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
These hard inquiries were not authorized by me

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 2023-11-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
I did not make any late payments so I request that the late payments be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I kindly request that you commence an investigation into these documents, as they erroneously indicate that I have been late on accounts I have always paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I pulled a copy of my Experian consumer report and noticed an item I would like to dispute. It is as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX Reason : This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the reported account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for negligence. Please DELETE this item from my consumer report! 

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft and is what happened with the listed account on my consumer report. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2023-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am currently enrolled, full time, and Nelnet is requesting payment of my student loans

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting 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: NY

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 CARD XXXX, XXXX BANK 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 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.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

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 CARD XXXX, XXXX BANK 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Im legally XXXX and I didnt realize someone had used my debit card to make purchases from a company Id never done business with I reported this to Capital One Fraud department The agent told me theyd cancel the card and issue me a new one and take care of the unauthorized charge I was notified by email that they would not take care of these charges and accused me of making them Ive never had this type of issue with a bank in all the years Ive been banking online

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm urging the bureau to start a review of these documents, as they inaccurately show late payments on accounts that I have consistently paid on time.

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 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: AL

Complaint narrative:
Chime has denied my disputes with out properly investigating. I have been frauded out of thousands of dollars and can't get no help

Company response to consumer: Closed with explanation