vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately! 



By law Delete all incorrect information and accounts listed in the document below from my consumer report immediately as it is hindering me and should not be reported on to my consumer report and violates several laws under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent 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 2023-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Best Service Co.,Inc
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: NE

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATION/XXXX  XXXX {$23000.00} XX/XX/XXXX DEPT OF EDUACTION/XXXX  XXXX {$17000.00} XX/XX/XXXX XXXX XXXX {$0.00} 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 2023-07-14 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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: MO

Complaint narrative:
I was lured to open a checking account with US bank in XXXX with promise of XXXX dollars by meeting requirements per a mail solicitation advertisement. I did open the account, met the requirements, and met with a young man who said he was the assistant manager of their branch on XXXX XXXX in XXXX MO who assisted me in gathering all information to meet the promotion criteria. The account at time was US bank cash + and account under my last Name at time was XXXX, account number XXXX. My address was XXXX XXXX XXXX, XXXX  MO at the time I opened the account. I no longer have the account but it was open over 3 years. They never gave me the promotional XXXX dollars for opening the account and meeting requirements in the allotted time. I asked them about it several times and they kept asking me to provide them with the advertisement that promised the money but I never saved it and finally just gave up but have always been mad and upset that they never held up to their promise of payment after I met requirements and repeatedly asked for the bonus only to be shut down with requests for proof of the original advertisement. I now see theres been others affected by these tactics and I still feel they owe me the XXXX bonus for opening the account. At the time I was going through a divorce and I found any way to make extra income at the time was worth trying for. I deeply have issues with banking institutions practices as a result of this. I would like the money they promised me. Thank you.

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 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Last night ( XX/XX/2023 ) I received an email from Bank of America notifying me what I was denied for opening a " Bank of America Advantage SafeBalance Banking '' account online. This will be the 3rd time in a year that someone has attempted to get a loan or open an account with Bank of America using my information fraudulently. I spent over an hour on the phone last time, ( most of which was on hold ) talking to their fraud department and verifying that I did not open or attempt to open an account. I have never, and will never have or open an account with Bank of America. This morning I also received a 2nd email apologising that I couldn't open an account online, but instructions on how to open one at a local branch.

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 2023-07-14 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: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: TX

Complaint narrative:
XXXX for XXXX on XXXX separate transactions. Someone was able to obtain my card information, then use my card at a ATM and withdraw my money without no restraints. NetSpend told me I would have a update on XXXX, but for some reason I honestly think they careless, and will not take action to investigate this criminal activity.

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 2023-07-14 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: NV

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer 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 non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Foris DAX, Inc.

Complaint narrative:
I was testing out Crypto.com and put money in my XXXX XXXX. I treated successfully and tried to withdraw. Couldnt do it ask for help trying to follow those tips ask for help asked for help again was taking weeks finalization do you have to pay a fee 35 % of the money I have in there cause I havent used it in a week or two. And now theyre saying that to pay that fee on Exchange which I can not because it says its not available to me so Im out {$3000.00}. They wouldnt help me long enough and now the exchange doesnt work to pay the fee so they have my money and theyre not giving it back. Thats not fair thats not nice and it seems shady..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ingenuity RM, LLC
State: ND

Complaint narrative:
I received a granishment notice XXXX XXXX # XXXX on a debt that I had no knowledge about from XXXX XXXX. I called the creditor to get information on the debt and they claim the judgement for a debt that was my ex-husband 's is now my responsibility. I received no notice and not even was serviced with the notice of a judgment or a renewal of judgement. I now have been paying a debt that is not my responsibility and also offered my divorce decree to show proof that in my divorce decree it states specifically that that we are responsible for our own debts. They refused to accept because they can not garnish his wages because he owns a business. They were not interested in have his bank account to garnish either and were satisfied with continuing to make me pay for the debt that is not mine. They even went to the extent of stating some of it is actually mine. The lesser part is mine. Which was paid to way back in 2007 to another credit debt collector that the business is now closed. When I called the clerk of court she verified that no service was sent to me and only my ex ( XXXX XXXX ) received the service of the renewal of judgement. I never even received the service of the original judgement either. They are now garnishing me for XXXX. This sounds like alot of fraud just to hold someone responsible for a debt that someone refuses to pay. The medical bills are for XXXX and in no way shape or form should I be held responsible for his debt! This needs to be corrected and rectified. I should NOT be held responsible for my ex husband 's debts, it even states it in the divorce decree. I have attempted to call several times and talked to a very rude man that kept saying he doesn't care, not his problem as long as they are getting paid. IF I EVER WAS NOTIFIED OF THIS JUDGMENT I SURELY WOULD HAVE DISPUTED IT THEN AND EVEN WENT TO COURT REGARDING IT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: NV

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer 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 2023-07-14 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: NV

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 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: NY

Complaint narrative:
TransUnion has been reporting false and inaccurate information about my credit to other creditors which is causing me and my family to get denied of loans this is causing a problem on my livelihood because I am getting denied access of things that I should be getting approved of because I am the original creditor however I did reach out to TransUnion by mailing a certified letter with my ID and my social security number letting them know that they need to remove these inquiries off of my credit because I did not give written or verbal permission for TransUnion or any of these companies to put this information on my credit according to the law Act Section 1681b ( c )

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 2023-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
On XX/XX/2023 I was scammed by someone who got Venmo to pay them {$1400.00} from my account. Venmo tried to get funds back from my attached bank account but recognizing I was being scammed I immediately froze my account. Now Venmo calls me on a daily basis to get me to pay back the money. I dont feel like I am responsible because Venmo , as a financial institution should have recognized these transactions as fraud. Surely they had seen the same type of scam before and I feel they should have protected my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America ( BOA ) apparently issued a credit card to someone else using my name. The " fake account '' was able to run up a balance of {$30000.00} before BOA closed the account. All three credit bureaus showed this fraudulent account on my credit report as 120 days past due. I contacted BOA in XX/XX/XXXX, as soon as I knew that this was taking place. I contacted BOA again on XXXX. Beginning XX/XX/XXXX, I have contacted them over a dozen times. In each case, I get transferred around to get the " right department ''. I have been hung up on twice and had employees refuse to identify themselves. They have made promises and done nothing to fix this problem. I submitted a FACT Act request for information. BOA has sent me the statements of the account. However, they declined to send the application for credit for the fake account in my name. I have filled a dispute with all three credit bureaus. XXXX and XXXX have removed this false information from my record. However, XXXX maintains this false information on my record based on corroboration they received from BOA. BOA caused this problem and has refused to correct it. This has affected my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was banking with boa and sombody forged a check in my name in my account I was charged with forgery for something I never did and went to court and I won the case was dismissed but Im now not able to get a checking or bank account ever since

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