vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
XX/XX/2022, We purchased a boat for $ XXXXand used Zelle to make the transfer. As we stood waiting for the transfer to go thru the seller watched his phone stating its not coming thru, but we could see it was deducted from our checking acct. After about 30 min of waiting, we called XXXX  XXXX XXXX and they transferred us to the Zelle people, they stated that they couldn't see any activity and told us to try the transaction again. The seller also stated that he was having trouble with that phone number, and it might have been to an old bank acct numb, so he provided a different phone number. Zelle told us to retry the transaction again. So we did the process again and then we could see the checking acct. where nothing happened then there was another {$3500.00} transfer out of our acct to the seller of the boat. and it all looked ok. We took the boat and went about our day. 
The next day both {$3500.00} transfers appeared as deposits to the boat sellers Accts. We contacted the seller and he stated that he did see the extra {$3500.00} in his acct and he would instruct his bank to send it back to us via Zelle. [ we contacted Zelle and they advised that they did as they were instructed, they transferred two {$3500.00} transactions to two different phone numbers, so it wasn't there problem. ] We never received the money from the seller, upon serval attempts to contact the seller he has changed his phone number & moved leaving no forwarding address. 
I have filed a small claims court action against him but have been unable to have him served

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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:
FCRA Violation : address not mine 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 FCRA Violation : credit card not mine XXXX XXXX XXXX FCRA Violation : XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : hard enquiries not mine 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 Violation accounts not mine remove from account .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: IL

Complaint narrative:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX Credit card opened in XXXX of 2022 A personal credit card was taken out in my name using my social security number with an address i have never lived at. This is not me or my credit card.

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 2022-12-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST UNITED BANK AND TRUST COMPANY
State: TX

Complaint narrative:
I have been getting a modification done on my mortgage with this company for over a year. It was finally resolved last month but they reported the account being late when it was not. It just took them forever to get the paperwork complete. Nothing was late and my credit score/report should not have been impacted. They already fixed this issue once, but now it is running into the same issue. I have been dealing with this place and it has been terrible. I will be putting in a complaint with my XXXX XXXX  office as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Back in late XXXX I received an email from XXXX saying that the application for my new bank of America credit card was being processed, as soon as I saw that I called Bank of America and told them that the account created was not mine, and that I wasn't the one that opened it. They proceeded to tell me that they didn't have any account open with the info that I provided them- that being my name, the address they used, and an ( XXXX ) number. When I didn't get any answers from them I called XXXX and they opened an investigation as well as a freeze on my credit report. On XXXX XX/XX/XXXX I received an email from XXXX saying that a new account was posted on my credit report so I called XXXX again and they said that no dispute had been claimed before ; so I opened a new one and made sure it was filed this time alongside the freeze. Today XX/XX/XXXX I received an email saying that they had closed their investigation and that they concluded after talking to Bank of America that the account that was opened is mine and they can not take it off from my credit report or close it. I called again this morning and re-opened my claim, this time I will have this identity theft report to help me since I didn't have it last 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 2022-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stallings Financial Group, Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I mailed a request for validation of a alleged debt reporting on my credit from STALLINGS FINANCIAL for {$210.00}. I sent the letter certified and no one ever received or signed for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/2022 The sale representative XXXX XXXX sold us a water treatment system for {$6400.00} XXXX XXXX and XXXX XXXX gave him a down payment in the amount of {$2000.00}. 
Soon after, we discovered the product was defective, we made several phone calls followed by email to XXXX XXXX and XXXX company. They both failed to resolve the issue. We contacted another company to replace the XXXX XXXX XXXX that was making us sick with unclean water. Company was advised. The burden of this additional expense we could no longer continue the monthly payment. Although our bank continued to honor the automatic payments. We filed a complaint with the bank which requested the back payments. Although the company breached the contract the finance company has threatened to report us to the credit bureau resulting in a low credit rating damage. 
Sincerely, XXXX 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 explanation
Consumer complaint received 2022-12-12 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: FL

Complaint narrative:
XXXX XXXX XXXX SUBMITTED APPLICATION FOR AUTO LOAN OR LEASE WITH THESE 3 COMPANYS WITHOUT MY WRITTEN CONSENT CAUSING 3 HARD INQUIRYS TO BE ADDED TO MY PERSONAL TRANSUNION CREDIT REPORT.

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

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 2022-12-12 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: IN

Complaint narrative:
Experian reported an inaccurate inquiry from XXXX XXXX on my consumer file. This information was inaccurate and deleted by Experian. 
I have attached my Experian report 1 copy showing the inaccuracy reporting and the other copy were Experian has admitted to this inaccuracy and has deleted from my file. I have suffered financial damages, emotional distress, and my reputation has been damaged because of you reporting this inaccuracy. 
Pursuant to the FCRA 1681o - Civil liability for negligent compliance I am seeking compensation for my actual damages in the amount of {$3000.00}

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 2022-12-12 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: TX

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
This debt was paid by credit card I sent them a copy and XXXX a copy, but every time I try to fight this debt, they contact me by sending me a letter and it start over like I never paid it. This been going on since 2018 when I paid this debt. I just did a dispute this month with XXXX, and guess what I received a letter and it starting over like this is the first time. I always pay my bills never had any issues know I have this company that keep harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12 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: NC

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 U.S.C 1681 XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$10.00} XXXX XXXX {$8600.00} XXXX XXXX  XXXX {$58.00} has violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items or information. Any other adverse item of information, other than records of convictions of crimes which anedates 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 2022-12-12 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: NC

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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items or information. Any other adverse item of information, other than records of convictions of crimes which anedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I filed a fraudulent item claim on my Wells Fargo debit card account as I had incurred thousands of dollars worth of charges that were not authorized by me. 

I got a letter from Wells Fargo only 4 days after my claim was opened, that they closed the claim because they determined the charges to be authorized, this was not the case and Wells Fargo has given me no option to call in or ask for another review of the charges. 

I would like my account reimbursed and the charged disputed correctly.

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 2022-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
So now we are aware that there was a negotiable instrument/assignment to this Company fraudulently, can we now have a sign statement under the penalty of perjury that his company is actually do anything. 
Definition of Identity Theft Noun The act of fraudulently obtaining and using another persons identifying information or personal financial documents, such as a signature or bank/TURST account, usually for the purpose of financial gain. 

Identity theft is the act of stealing another persons personal identifying information in order to gain access to his financial resources, or obtain access to other benefits, such as money, credit, or insurance benefits. Identity theft, sometimes referred to as identity fraud, is a crime that carries serious consequences. To explore this concept, consider the following identity theft definition In the attempt to try to resolve the fraudulent misrepresentation there have been negotiable instruments sent that was not entirely sent back. 
The company actually kept the payment they have the receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Hello I'm been working with a credit repair company. XXXX saying to debt is verified. And it not. This debt is over 10 years old. I know when it happen. Portfolio recovery saying it's a new debt which it's not. How long do I have to pay for this. It's past it's time to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I closed the account in XXXX, XXXX. I still as of this month, receive monthly statements, I can log into the account, there is a zero balance and a {$7200.00} credit limit with an available balance of {$7200.00}. I get the same information when I call. I spoke to someone who told me she can see it was closed on her side, so " I don't have to worry about it. '' I do. The account is not closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: VA

Complaint narrative:
I have called Eqifax, Ive even sent certified mail explaining to them you are reporting XXXX inquiries on my credit report, which are not mine. And yet still they are still reporting the inquiries, every time I call they tell me I have to send in documents which I did to all 3 credit reporting agencies, XXXX and XXXX XXXX has honored their part and removed all the fraudulent inquiries on my report and Equifax refuses to remove them. Since last year Ive been sending letters to Equifax and Im yet to get any results. I have been denied credit because of this. And Im going to hire a lawyer to pursue legal action. Its not right XXXX inquiries and wrong address on my report, and they need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: NY

Complaint narrative:
MY EQUIFAX REPORT IS SAYING NOT MORE THAN TWO DAYS LATE WHICH I DONT HAVE ANY LATE PAYMENTS ON MY XXXX XXXX ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12 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: NJ

Complaint narrative:
I have received an email from XXXX to tell me that I have a negative impact on my credit report upon checking my report I found that XXXX XXXX reporting that Im late more than one month for my monthly payment. 
Accordingly I called XXXX XXXX  and they informed me that it was a mistake from the administration team and it shouldnt been reported and they will try to fix it with the credit report. 
I complain today because this such mistake caused me lost XXXX points from my score and my goal to achieve above 700 credit score was destroyed for such mistake and now I will never be able to being approved to get a conventional mortgage in order to be able to buy any apartment in New Jersey especially I got denied for over than 20 times to buy because my current mortgage is FHA loan which is declined by most sellers in NEW JERSEY. 
Please note that the credit bureaus are taking so long time when they add a positive impact on credit profile and they are very fast for negative ones. 
I have been fighting hard in the last year to buy a place to live with my family and I cant because the FHA loan that is being declined by most sellers either individual sellers or companies.

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 2022-12-12 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: NJ

Complaint narrative:
I have received an email from XXXX to tell me that I have a negative impact on my credit report upon checking my report I found that XXXX XXXX reporting that Im late more than one month for my monthly payment. 
Accordingly I called XXXX XXXX  and they informed me that it was a mistake from the administration team and it shouldnt been reported and they will try to fix it with the credit report. 
I complain today because this such mistake caused me lost XXXX points from my score and my goal to achieve above XXXX  credit score was destroyed for such mistake and now I will never be able to being approved to get a conventional mortgage in order to be able to buy any apartment in New Jersey especially I got denied for over than 20 times to buy because my current mortgage is FHA loan which is declined by most sellers in NEW JERSEY. 
Please note that the credit bureaus are taking so long time when they add a positive impact on credit profile and they are very fast for negative ones. 
I have been fighting hard in the last year to buy a place to live with my family and I cant because the FHA loan that is being declined by most sellers either individual sellers or companies.

Company response to consumer: Closed with explanation