vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The name of the Fraudulent financial institution is " XXXX XXXX XXXX " This account was opened by somebody else without my knowledge on the XX/XX/2021. 
The Balance on this account is {$5100.00} I have made many attempts to resolve this fraudulent issue with the bank. However they disregard my claim since the fraudster used all of my personal information. I have filed a complaint numerous times with the federal trade commission. This is my last attempt before getting attorneys involved. Please help me remove this account from my credit bureaus.

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 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXX PM I had made 3 Cash Deposits to my Chime Bank CHECKING account at a XXXX, amounts each {$500.00}, totaling {$1500.00}. 

At XXXX XXXX the 1st transaction posted immediately to my checking account balance. At XXXX XXXX the 2nd transaction posted to my available checking account balance. At XXXX EST I noticed the Third Cash Deposit HAD NOT POSTED to my account, as if there was never a 3rd transaction. 

This immediately was a cause for concern, so I called Chime around XXXX XXXX, and had explained the situation. They told me if it doesnt resolve in XXXX hours, to call back. 

I waited XXXX hours and then called back. I was then advised if it doesnt resolve in XXXX hours, call back. I waited XXXX hours. 

I went into the XXXX that had taken the cash deposits, and requested a verification on their end that the transaction are all in the system. They were so gracious enough to give me a print out of their bank end data. This print out showed there was no abnormalities in the processing of the transaction. 

I then called Chime Bank back by this point XX/XX/XXXX, they had advised me that they would escalate the situation. They requested I send them the pictures of all 3 receipts, and the print out I had received from XXXX. I did that. After XXXX hours I received an email requesting the documents again. I had called and asked for an update, they mentioned they have contacted the merchant and are waiting to her back. 

At the time of me writing this complain, it is the XXXX of XXXX. Its been almost 2 weeks since the issue occurred, and it appears that not only does XXXX not issue refunds, but apparently theres a {$1000.00} maximum per day. So I believe its false and misleading representation on XXXX behalf, and the fact there is no resolution after this long I believe all parties involved need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I originally sent portfolio recovery associates a check on XX/XX/2022 to satisfy a debt owed by them but it was lost in the mail at the time so I stopped the check and had a new one sent out on XXXX XX/XX/2022. The original stopped check was delivered on XX/XX/2022 at XXXX XXXX  in XXXX VA. I had sent the live check via certified mail ( that had to be signed for ) on XX/XX/2022. The live check was signed for on XX/XX/2022 at XXXX XXXX in XXXX, Va. I stopped the original check because of it being lost in the mail and I wanted to make sure that the debt collector would get paid in time to satisfy the settlement. I will enclose the check numbers, picture of receipt stating someone signed for the check, and tracking numbers for both the live and stopped check, etc. I also want to state that I called the debt collector and informed them that I stopped the original check and the new one is on its way. The debt collector told me that it would be documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing this complaint because i am a victim of identity theft. I lost my wallet and in order for one of my accounts to get unrestricted I had to express my concern/issues to XXXX XXXX XXXX. There was different accounts open and amounts placed on the cards that was happening with fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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:
In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my report.

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last active is reported inaccurate as well.

This is ground for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-04-15 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my report.

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last active is reported inaccurate as well.

This is ground for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: AR

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

15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C. 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 166b A Creditor may not treat a payment on a account under an open end consumer credit plan as late for any reason

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 2022-04-15 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: AR

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

15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C. 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 166b A Creditor may not treat a payment on a account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Account # : XXXX Capital One Auto Finance This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave capital one any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Am being changed for using an app.

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 2022-04-15 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: GOLDMAN SACHS BANK USA
State: KY

Complaint narrative:
Hi, Reached out to Apple about my apple card not paying off the balance via the XXXX XXXX. It was not working for the entire time I had the balance on the card, and still will not work to this day. My phone records show I reached out to Apple to discuss a way to make the wallet work, but they could not fix the issue. This resulted in 2 late payments. From the apple card app on the phone presented was no other way to pay the card off. This resulted in confusion and lack of a process to escalate the issue. I have followed up with the bank associated with the card and have started twice a process to get the late payments removed from my account and they have not followed up with me on their final decision, nor have they provided any documentation to me.

ThanksXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX and Experian need to send proof. For 5 years I have complained that XXXX XXXX XXXX XXXX ( XXXX ) and Experian did not have permissible permission to have accessed my credit report in XX/XX/2017. This would have stopped the fraudulent loan from going forward. For 5 years I have requested copy of their permissible permission used as evidence to have accessed my credit report. For 5 years Experian has passed the buck to XXXX and replied We contacted the data furnisher ( s ) or public record ( s ) vendors and asked them to verify the accuracy of the information with which you disagree. They responded and stated that the account is to remain as is. Experian and XXXX have yet to send what I requested as proof for Experian and XXXX to access my credit report in XX/XX/2017.

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 2022-04-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end 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 explanation
Consumer complaint received 2022-04-15 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:
A XXXX  insurance company charged my credit card ( XX/XX/2022 ) for a service that I told them that I didn't want any longer. In return, XXXX not only charged my account but them billed me over {$100.00} in past due fees. I was finally able, after many phone calls, to cancel the credit card. Finally on XX/XX/2022, XXXX sent me an email advising me that they resolved my dispute, my account had a XXXX  balance. 

This morning I received an email from XXXX XXXX that there was an update to my credit report and credit line. I always had an excellent credit rating, now it is good! I am very upset because especially at this point in my life, I'm XXXX now, I took and take great pride in my credit and my reputation. 

I have tried calling Equifax and XXXX, being placed on hold, then disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NC

Complaint narrative:
The company called National Recovery Agency is charging me XXXX for a gym membership I cancelled a long time ago. I will not be paying this money because I cancelled the membership because I was going to deploy I sent my orders many times to the gym stated in their letter. I can not pay for the money they are requesting. 

I am scare that this people are going to harass me just like the gym did just because I am a XXXX women of XXXX. Please help me. I am truly scare that this people are going to talk to my leadership or damage 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 2022-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
XX/XX/2022, {$680.00}, Account number XXXX - I received a letter from Portfolio Recovery today XX/XX/2022. I have notified Portfolio Recovery Associates , LLC several times that the account they purchased from XXXX XXXX Bank ( XXXX XXXX XXXX. is not my account. I have attached the letter that they sent me today along with the letter I received from XXXX XXXX Bank. The letter from XXXX XXXX Bank clearly states that " XXXX XXXX Bank conducted an investigation, and the account was permanently closed. You're not responsible for any balance that may be due on an account that we decided was opened through fraud. '' Consumer law - 15 U.S code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( 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. 
PORTFOLIO RECOVERY ASSOCIATES , LLC IS BREAKING THE LAW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15 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:
As of XX/XX/XXXX, I am in receipt of documents mailed to my address by XXXX XXXX collection agency. The above collection agency alleges that I electronically signed a lease agreement with The XXXX apartment XXXX of XXXX. Account number XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 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 the information is inaccurate. 


The documents enclosed with this complaint will provide credible proof that Transunion was incompetent in conducting a reasonable investigation regarding this matter. After illegally reinserting this item on my credit file around XXXX of XXXX. Repeatedly violating my consumer rights by ignoring my requests for disclosure of their reinvestigation. This agency is completely out of control. And should be reprimanded. 
The documents claiming that I signed a lease agreement with the apartment complex are missing one key factor. My actual signatures.. 
Not one piece of document bares my actual signature. 
This poses the question. How did I obtain the keys to the apartment without initially going into the leasing office and actually signing these documents? 
The valet Trash addendum ; No wet ink signature. 
The Fitness center addendum ; No wet ink signature.

Mini Fridge addendum ; No wet ink signature.

Pool pass addendum ; No wet ink signature.

Likeness agreement ; No wet ink signature.

Lease addendum addressing carrying of handguns onsite ; No Wet ink signature.

Lease addendum for additional special provisions ; No wet ink signature. 
Lease addendum allocating water/waste cost ; No Wet ink signature.

Lease addendum for early termination ; No wet ink signature.

Security guidelines for residents addendum ; No wet ink signature. 
No document baring my signature claiming I was given the keys to the premises. Such as a key receipt. 
I was sent 47 pages of this documents regarding this alleged debt. Not one piece of paper bares my real signature. 
I demand that this account be received from my credit file permanently and 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 non-monetary relief
Consumer complaint received 2022-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I went to the XXXX, was fully insured, gave my insurance card at the time ( they ALSO had it on file ) Was billed anyway but was never sent a bill until it was already in collections!!! XXXX removed it, however Equifax and XXXX " Validate '' the debt XXXX knows HOW but they do Proof of insurance attached as well as proof that what was done is 100 % covered!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Within the last five years I have been a victim of ID theft to include mortgages that I didn't know existed and I seek guidance towards resolution with a tracking of property within the states of Nevada, Michigan, and, Arizona, and Tennessee and the XXXX of XXXX XXXX as well as XXXX and XXXX XXXX property with my name and dob and SS number to include only getting one stimulus check realized and three going to the ID thieves. In addition my entire on XXXX  of my name air personality job paychecks were stolen over that time period to include any unauthorized presumptive pay from the XXXX XXXX XXXX, and or XXXX XXXX XXXX and includes mail fraud as well. XXXX XXXX XXXXXXXX XXXX in XXXX NV, a surprise, az address denoting five deeded acres to me legally but with a mansion unauthorized that was built on top of said land acreage.Several properties were bought with my radio show pay only to have ID thieves forge my signature to steal the properties without my knowledge

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