vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from EXPERIAN XXXXXXXX XXXX I never contacted or contracted with this company. I contacted EXPERIAN XXXXXXXX XXXX by phone and letter. This is very frustrating and embarrassing, I tried challenging that they committed identity theft, Accuracy and Integrity but to no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions.12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 
12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and

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 2022-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TN

Complaint narrative:
*Attached is debt validation letter that I sent to the company and my XXXX I do not have a contract or any obligation to pay this company nor know how they got my personal information. This account is fraudulent and they stole my personal information which is identity theft. 

PRO COLLECT ACCOUNT # XXXX *PLEASE SEE ATTACHED DOCUMENTATION

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 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
O or about XX/XX/2022, I looked at a home driving by in the city of XXXX XXXX of California. I was driving looking for homes as I waas already preapproved by XXXX XXXX  for {$530000.00}. 
Thisn particulaer home attracted me as a single parent that it would qualifuy for a low income quota and I also met the income requirements as well as the credit having my preapproval with me. 
Upon calling I was told that I would have to aply for a loan from their own bank, USBANK and to go online and do it and then XXXX the pereapproval from them. Dont know if that is legal? Anyway I did that send in all the documents gave access to the bank info and for my credit. 
On XX/XX/2022 in the mail XXXX receievd a letter that my credit score was XXXX points loweer than a few days ago. How did that happen? I was only preapproved les than 30 days ago, I am on alerts with every credit card comnpnay that informs me of every move on my credit, access, points lowerd or go higher, applications, inquiries etc. I am also on alerts with XXXX XXXX abd didnt receive anything fron any of them yet USBANK says its XXXX points lower, and the agent XXXX returned the calls no response via email either just complete silence so as to deny me the opportunity to get the home as I am a single woman a XXXX woman XXXX XXXX always covered and speak with an accent. 
I need ot know how : 1 ) : the credit fell more than 100 poinyts instantaneously?

2 ) : The rson of the silenc?

3 ) : Othe roptions etc? 
and even with the llower score I still qualify for a loan but at a highr rate so whats hoding my application back?

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 2022-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Coinbase, Inc.
State: WI

Complaint narrative:
I have a Coinbase XXXX debit card that was used fraudulently on XX/XX/XXXX. The fraudulent transactions totaled {$1600.00} and drained my account. I reported the card # as stolen and contacted their support phone number the same day. ( I still had the card in my possession, so I am unsure as to how the fraud was committed ). Coinbase has not been able to reverse those fraudulent charges or issue me a provisional credit as per the member agreement and federal law. 

The fraudulent transactions are listed here : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IXXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX SXXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXXXXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-07 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: CO

Complaint narrative:
There is a collection on my report which is fraudulent. I filled a dispute with transunion and nothing was done. I have already had this fraudulent collection removed from my XXXX and XXXX  credit report they both agreed it was fraudulent. I talked with XX/XX/XXXXwho is supposedly the original creditor and they have no record of me ever having an account so there is no way i could have a collection.

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 2022-01-07 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: EQUIFAX, INC.
State: OH

Complaint narrative:
*Attached is my state id and Social Security card The Listed accounts were placed onto my consumer report without my written consent please help me to get this solved. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX  US DEP ED # XXXX *Please see attached documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have request That Transunion do a full investigation on inaccurate information being reported .Since XX/XX/XXXX, Ive sent them letters requesting that all information being reported should be the Same all across the board, example XXXX XXXX XXXX, & Transunion XXXX I have called Transunion and still no help. Information such as my name, date of birth, & also accurate Address, is being wrongfully reported. Per consumer fair credit report law 15 U.S. Code 1681 ( a ) & ( b ), Im asking that Transunion please be fair. I have. 2 Hard inquires on both my XXXX and XXXX, where is Transunion getting such information? {$140000.00}, is my XXXX XXXX XXXX total debt, Transunion is {$140000.00} way higher. Where is this amount coming from? Transunion also has inaccurate payment on my accounts reported. Im asking that I get some sort of reply from them besides they cant not block any information .Im not requesting any information to be blocked but rather report accurate

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 2022-01-07 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: FL

Complaint narrative:
The accounts listed are not 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 2022-01-07 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$460.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$420.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$300.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1500.00} Fraudulent names XXXX XXXX XXXX Fraudulent addresss XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
XX/XX/2021, {$510.00} this account is a fraudulent open by Someone who stolen my identity, Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: FL

Complaint narrative:
I have attached and FTC report for an account that is not 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 2022-01-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached and FTC report for an account that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have called XXXX XXXX and Equifax several times. Neither company respected the consumer laws when it comes to my privacy, reporting to me with having full disclosure now according to the FCRA under 15 USC 1681 ( a ) ( 4 ) infringed upon the right to consumer privacy. I never gave XXXX XXXX to report or house any information on me Equifax is violating my consumer rights by proper not investigating my consumer report correctly. stated in 15 USC 1681a-e The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
every consumer reporting agency shall upon request and subject to 1681 h ( a ) 1 of this title clearly and accurately disclose to the consumer. Both companies in several violations

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: PA

Complaint narrative:
Hello my name is XXXX XXXX and I am writing to delete the following information in my file.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$460.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$420.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX Account Number : XXXX Account was opened : XXXX XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX Account Number : XXXX Account was opened : XXXX XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$0.00}

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 2022-01-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Checked my credit report. I dont owe XXXX XXXX XXXX XXXX Never been to XXXX, Fl. This is identify theft. Someone use my personal information to get health care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: OH

Complaint narrative:
*Attached is my State ID and SSC The listed accounts were placed onto my consumer report without my written consent, please help me get this solved. 

XXXX XXXXL # XXXX XXXX, XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX *Please see attached documentation

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 2022-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On XX/XX/XXXX I used Western Union to send {$1000.00} to XXXX XXXX, I paid the transfer fee of {$7.00} ( something that is done electronically ) But I feel I was ripe off on the exchange rate. The current exchange rate from COLONES TO DOLLARS is {$640.00} colones per dollar. The exchange rate I was charged was 540 colones per dollar ( an exchange rate from XXXX ). That is {$150.00} dollars out of my {$1000.00}. A 15.9 % charge plus the {$7.00} dollars transfer fee. Western Union charged {$160.00} dollars on a {$1000.00} dollar transfer. I find the charge very excessive. 
I contacted the company via chat, which I enclosed, and I received no resolution but apologies. With today 's inflation apologies don't help. 
Last time XXXX  modified their exchange rates was XXXX ( see attached ). 
Lots of things can happen in a country that will affect their exchange rate. 
XXXX  should update their exchange rate at least once a year. I find it greedy on their part, their current exchange rate. I don't know if this is true for every country, but as a consumer protection agency, you should do something about it. I will really be surprised if I get any percentage of my money back. I think, XXXX is playing the odds that consumers will not check exchange rates. But this is the last time I used XXXX, a company with a very long history. Is a shame.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit file has no deliquencies, late paymnts, collection ever but every time I apply for a mortgage loan I get a letter from the bak or broker saying that I have delinquicies, late payments the time of the credit is too short even though I have creit from the late 80 's, but when I check my report from XXXX XXXX or credit cards its a different story. This is a scam and a way to deny XXXX  mortgages and single moms and they are all connected to practising blockbusting and proits from XXXX  to charge higher interests if anyone gets that far

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/21, I placed some deposits into the night deposit box at the Bank of American branch at XXXX XXXX XXXX, XXXX, GA XXXX. The branch then closed due to COVID. They still have not processed my deposits. I talked to the bank on XXXX and again on XXXX and they did not seem to care. I still am waiting for my deposits to be credited to my account. Once they allow me to place deposits in the box set up for that purpose, they bear the burden of responsibility to process said deposits. If the branch was planning on closing and not collecting the items in the box, then the box should be sealed.

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 2022-01-07 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: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XX/XX/XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX  OPENED : XX/XX/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 non-monetary relief