vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CSO Financial
State: OR

Complaint narrative:
Received letter stating I will have wages Garnished post marked XX/XX/XXXX. 
XXXX became subject to garnishment on XX/XX/XXXX of XXXX. Original debt is for {$1800.00}. Now is XXXX. 
Oregon statute of limitations is six years and debt collectors should not take person to court to sue to garnish wages.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The account on my credit report that has the wrong account type it is reporting as auto loan when it should be reporting as a retail installment contract i have had this wrong information I have a cfpb complaint number XXXX where they stated that i signed a retail installment contract this i requested a validation of this account and was stated as correct and that is a violation of the FDCPA

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 2023-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: SC

Complaint narrative:
there were several transactions made with chime when I had no card and I was waiting to receive a card jus like when they closed the account, Chime responded back but I wasn't allowed to say anything back, they closed the account fraudulently because they had me waiting to receive a card when the card arrived chime had closed my account, they had also sent my card to a wrong address because I was contacted by a neighbor that had a card they sent during the time I received a bank transfer for {$150.00} ... XX/XX/XXXX, I never received money that was sent from XXXX for {$150.00}, disputed a couple of days later my card was canceled and they gave me a provisional credit of XXXX, then while waiting on a card I see that someone used my card that I had been waiting on XX/XX/XXXX cause they used the wrong pin number, then they took money out of my account all this I am missing over {$300.00} ... I am about to write XXXX XXXXXXXX and also FDIC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: Kinum, Inc., Indianapolis, IN Branch
State: NC

Complaint narrative:
I have alot of fraudulent opened and reported accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: Westlake Services, LLC
State: TX

Complaint narrative:
Dear XXXX and or XXXX. There is information on my consumer report that is a result of identity theft.I did not provide written permission or instructions for the identified transaction that are reported on my consumer report I am requesting that the reporting of this information be blocked and deleted. My request to block and delete is not made in error, nor is my request to block and delete the information made on basis of material misrepresentation the identified transactions are not made by me who is the consumer. ( 1 ) XXXX XXXX address XXXX XXXX XXXX XXXX DE XXXX : ( 2 ) XXXX XXXX XXXX account number XXXX date open XX/XX/XXXX status : paid, closed XXXX written off ( this account paid ) and I would like for it to be removed off of my consumer report ( 3 ) XXXX XXXX XXXX account number XXXX account type : collection date open XX/XX/XXXX ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO : date open 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 2023-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
I received a text message this afternoon XX/XX/2023 around XXXX from what I thought was my bank that someone was trying to Zelle {$3500.00} from my account. Not to long after that I received a call from who I thought was my bank and spoke with a guy that told me he was from XXXX XXXX and told me if I knew a XXXX XXXX of course I said no and he told me I must Zelle myself money because my account was hacked and he sent me code. I honestly thought the call was genuine cause he seemed like he was trying to help me I had no idea I was being scammed. I only had XXXX in my checking so I then had to make another Zelle transfer of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: OH

Complaint narrative:
The account on my credit report that has the wrong account type it is reporting as auto loan when it should be reporting as a installment contract where they stated that this i requested a validation of this account and was stated as correct and that is a violation of the FDCPA

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 2023-04-30 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: OH

Complaint narrative:
The account on my credit report that has the wrong account type it is reporting as auto loan when it should be reporting as a installment contract where they stated that this i requested a validation of this account and was stated as correct and that is a violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: LA

Complaint narrative:
I have disputed the ownership and accuracy of the XXXX Account listed on my credit report more than once and it has come back as accurate and Verified the account number is the same on each consumer report but the data furnished on each report is different which are violations of the FCRA

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 2023-04-30 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:
XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX XXXX You are in direct violation of the Fair Credit reporting Act 15 U.S. Code 1662b - Advertising of downpayments and installments. 
( B ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

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 2023-04-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Bank insisted the money is still floating somewhere in the air before it can be returned back to my other bank. XXXX 's XXXX XXXX program partner with XXXX filed the disputes with Ally Bank to return the money, but there is no update the timeline when money will be returned back. It is already over due for releasing back for 3rd week since XX/XX/23 week. 

Name of Merchant : Ally Bank Exact amount : {$49000.00} Initiated date : XX/XX/23 Reason why you want to file a dispute : Incomplete transfer at Ally 's side because funding at CD account window closed. 

Name of Merchant : Ally Bank Exact amount : {$29000.00} Initiated date : XX/XX/23 Reason why you want to file a dispute : Incomplete transfer at Ally 's side because funding at CD account window closed.

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 2023-04-30 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: NV

Complaint narrative:
I am seeing a collection account on my credit report from XXXX XXXX XXXX. I am not responsible for any debt with XXXX, and I do not have a contract from XXXX XXXX XXXX. I have disputed this account numerous times only to have it taken off and reappear on my 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 2023-04-30 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: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX I'm submitting this complaint in reference to Equifax not updating acct information after I submitted dispute 25 times starting XX/XX/XXXX till current to XX/XX/XXXX I have called you uploaded supporting documents to verf The 2 collections Acct XXXX XXXX XXXX {$3100.00} ( XXXX XXXX ) rental is fraudulent the acct has been updated to closed XXXX XXXX XXXX has updated most of information but they are more current than Equifax I have call everyday for last month spoke to supervisor more than one to resolve this matter still have not got nowhere eact time I submitted dispute in reference to information not being correct Nor is credit score I have got hung up on all I have done everything to resolve this account it's not mine I didn't authorize XXXX of XXXX XXXX to used my information or did I have knowledge of the 2 acct till I pull report XXXX XX/XX/XXXX the have very poor Customer service support gives incorrect information .. please advise I just want it resolved especially after Equifax sent letter in writing stating it will be removed n update this XXXX so wrong that I have to be treated this way And manner

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: NJ

Complaint narrative:
x n accordance with the Fair Credit Reporting act XXXX XXXX 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

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 2023-04-30 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: Affirm Holdings, Inc
State: WI

Complaint narrative:
Affirm INC. is reporting fraud accounts on my XXXX credit report. I previously sent Affirm INC. letters, disputing these fraud accounts below : Affirm acct # XXXX {$1200.00}. & Affirm acct # XXXX {$820.00} I am a victim of Identity Theft & have already sent a copy of my FTC report to XXXX. 
Affirm INC. received my letters and was required to take the appropriate action within 30 days of receipt. Affirm INC. is NOT legally verifying theses fraud accounts, there is no true proof or wet signature, that these accounts belong to me, anyone can open an account online using my info! Affirm 's office failed to respond to this validation and proof of claim ( NOT A COPY OF A BILL! ) BUT REAL PROOF, all references to these accounts must be deleted and completely removed from the Claimants credit file. However, Affirm INC. has willfully failed to delete the disputed information as I requested in my dispute. Affirm 's action or inaction is an intentional violation of the FCRA. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
I have disputed the account with XXXX and came back as " verified ''. 

Creditor is reporting a past due balance from what I read a charged off accounts are not legally allowed to have a past due balance this is violating my consumer rights. Please remove this account from my credit report immediately. This is FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: NV

Complaint narrative:
I am seeing a collection account on my credit report from XXXX XXXX XXXX. I am not responsible for any debt with XXXX, and I do not have a contract from XXXX XXXX XXXX. I have disputed this account numerous times only to have it taken off and reappear on my 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 2023-04-30 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: NJ

Complaint narrative:
x n accordance with the Fair Credit Reporting act XXXX XXXX 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

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 2023-04-30 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: NV

Complaint narrative:
I am seeing a collection account on my credit report from XXXX XXXX XXXX. I am not responsible for any debt with XXXX, and I do not have a contract from XXXX XXXX XXXX. I have disputed this account numerous times only to have it taken off and reappear on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : SANTANDER CONSUMER USA Account Number : XXXX Reason : I don't recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: CA

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance : {$1200.00}, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance : {$370.00}, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance : {$880.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance : {$540.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$680.00},

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 explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Venmo froze my account for no reason and won't let me get my own money out of my account. They are refusing to let me withdraw my own money and are holding it hostage for no reason. They sent a email on Thursday making things up about me and saying they were going to freeze my account. They never came up with a solution and instead created more problems and sent money back to someone who bought merchandise from me that had lied on me to try to get their money back. Now they just sent me a email today Sunday saying they permanently deactivating my account saying i violated user agreement which i never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP
State: AZ

Complaint narrative:
three issues # 1 six months ago I charge on my credit card that look odd, cause it does not get charge ever month, ( I have a secured credit card account ), I put up my personal money not the banks.Went to my local branch ask bank employee a simply question what is this for what it means.He talked 30 minutes that related nothing I ask and had to leave because it made no sense. issue # 2 I keep tabs my accounts i one I use fast and easy, I am XXXX years old and get paid once a month.I have been lie, cheated and rubbed every bank there is.I been with US Bank for ten years great service last week three of my pass codes removed from my personal account, talk to branch manager XXXX XXXX XXXX #! XXXX she said I and I said no got stood up yell do not tell me my I do what to your account I want if you do not like go some where else.

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