vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Around XX/XX/2023, I was getting a few alerts regarding my credit report that accounts are being reported that I've never opened myself. I checked my credit report and noticed there were some fraudulent accounts, nonmailable addresses, and hard inquiries reporting without my consent and authorization. Immediately I contacted the credit bureaus and was told that i needed an FTC report or police report. They were no help at all. I provided that documentation via mail and the dispute results came back as " verified ''. How can fraudulent accounts come back verified when it was opened fraudulently? I requested a method of verification I still haven't received anything in the mail. I am a victim of Identity theft. I am requesting that these items be deleted and blocked from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AmeriCash Holding LLC
State: WI

Complaint narrative:
I got sued after XXXX XXXX firm purposely tried to have it served at wrong address to get the judgement in their favor than after it was in their favor sent me a copy of the complaint. Never once have I received the original amount of what the loan was where all the interest came from. I have just like others as there is a laundry list of people they have done this too. Than I sent a letter to the court regarding this along with a garnishment statement filled out and shocker under the federal poverty level. Now with ZERO contact from these people they have successfully had my check garnished by sending the garnishment paperwork to the wrong address. The amounts are above the 4 % yearly allowed post judgement interest. The original judgement amount was {$2900.00} somehow now is {$3600.00} plus dollars and I still dont even know how its {$2900.00} cause I have never gotten any paperwork I asked about including original loan paperwork. They know where I work they know where to send letters to my actual address not a prior address just so they can get a garnishment to go through. This law firm if you can even call that keeps to this to so many people and everyone complains files complaints and nothing happens to them and the keep getting away with unlawful collection practices repeatedly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 of 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 explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: OR

Complaint narrative:
Fraud, scam, identity theft, personal information violations, banking fraud, business fraud, corporate fraud, death liability

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I wend to PNC Bank In XXXX KY on XX/XX/2022 to deposit checks in the total amount of {$5000.00} including {$4000.00} check from XXXX XXXX  and two money orders of {$500.00} from XXXX XXXX. They did take the money orders as deposit that day with receipt in hand and it shows on my banking app few days later the full deposit of {$5000.00} the a day later only showing {$4000.00} reducing the amount of deposit by {$1000.00} of the two money orders. the bank never informed me about the incident by phone, mail or email. I went back to the bank a week later to understand what happened for the teller to inform me the money orders were not valid and they are gone without return. I informed the teller and the bank manager these were money orders with cash values not something they can just discard. they truly did not care sending me out with out a solution telling my they have the right not to give me any checks or money order back if they were rejected by there system. I contacted the head office for PNC to open an investigation, I was told to contact the bank manager to escalate the issue for investigation to my surprise the bank manager was not welling to meet, help or investigate then I contacted a Law office to push the bank for action then I started getting empty calls of any resolution from escalations teat members of PNC bank. I need your help to investigate this issue further to understand how can I get my money back by PNC bank or by getting my money order back to return to XXXX XXXX and get a replacement. As you all know these money orders are my money frozen in those checks tell i get them replaced.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting 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: MI

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX  Original Creditors - ( XXXX XXXX ) Account name : XXXX XXXX XXXX  - Original Creditors ( XXXX XXXX ) Account name : XXXX XXXX XXXX  Original Creditors- ( XXXX XXXX XXXX XXXX XXXXXXXX ) Account name : XXXX. XXXX XXXX XXXX Original Creditors- ( XXXX XXXX ) However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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.

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 604 A states a consumer reporting agency can not furnish a accont 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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-01-12 00:00:00
Product: Credit reporting 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I implore you to take swift action to eliminate the fraudulent inquiries from my credit report since I did not authorize them, and they are causing me significant distress.

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 2024-01-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: MIDFIRST BANK
State: VA

Complaint narrative:
At the start of Covid I had applied for mortgage assistance XXXX XXXX had me sign a document that would push my mortgage back until I was caught up. The amount was for like {$77000.00} and some change. 
That was the first lien put on my property because I have a VA loan and so that being said there should not be another lien on my property. The first one was signed on XX/XX/XXXX of XXXX to keep me in the home to help me with my payments to lower them, etc. etc. Then on the XXXX month of XXXX XXXX XXXX took it upon themselves without my knowing and my knowledge and a Forge signature, put a second mean on my property for {$21000.00} and some change. I did not find out about it until I started a refinance because I wanted to pull money out so I can do home improvements and to invest into four different investments, and to start my XXXX XXXX well the process started in XXXX the documents were requested in XX/XX/XXXX and the mortgage said OK well get this back to you in seven days. They realize that they put two liens on my property and failed to take it off within 30 days here it is now, XX/XX/XXXX. Now it is XX/XX/XXXX, XX/XX/XXXX, and so on and so forth mortgage has failed to present anything to take the lien off, and the reason is because they committed fraud by them doing this, it is preventing me from getting my four whole life policies which were locked in an age XXXX and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Im taking all their assets all of it number XXXX I have XXXX whole life insurance policies that were locked in at XXXX. If those policies go up because Im not able to pay for them because I was going to use my refinance for that then XXXX XXXX is going to pay for that as well separately, so that is why Im reporting this because they filed an incorrect lien on my property for my signature and then recorded it at the staff courthouse and the person is responsible XXXX XXXX XXXX for the notarization and the prepare XXXX XXXX and the problem is there can not be error of reporting because if it was air reporting you missing some XXXX  or adding some XXXX let me one maybe Ive done it a week after this was done months after five months after so this cant be a clerical error. This is fraud to prevent me a person XXXX XXXXXXXX from prefer pursuing life of XXXX and all that this was purposely done XXXX XXXX mortgage to keep me from doing what I need to do

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/2023 my chime account card ending XXXX was scammed for {$970.00}, an unauthorized transfer for {$970.00} was sent to a person I do not know or have even transferred money to. I have sent chime police reports documents from target for another purchase made by this person for {$110.00} which target fraud department cancelled. I have now open the 7th rebuttal since the date of incident which company keeps denying. I have spoke to 9 supervisor 12 customer service representative and they will not identify what how this happened or give an investigation. Every time I open an investigation within 4 to 6 hours and the claim is denied. I have had my chime account for years never experienced this kind of service. My rent is now past due and they will not help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2024-01-12 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Attempted multiple online transactions with AMEX gift card, following the instructions provided by AMEX for online use. 

Gift card had sufficient funds for each transaction. 

All transactions would not process. 

I contacted AMEX and was told that I could not use the gift card for purchases on XXXX. I asked for any vendor where I could use the gift card and was told that they could not provide me with any vendor names. Their recommendation was to just keep trying to use the gift card at different retailers to " see what worked ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MT

Complaint narrative:
BELOW IS THE INFORMATION FROM XXXX; I DISPUTED, AND ACCORDING TO XXXX, IT IS A LEGIT CHARGE, WHICH IS NOT, AND I AM FED UP WITH THIS. NO ONE SENT ME DOCUMENTS. I TRIED TO CALL THIS COMPANY, AND THEY ASKED FOR A CASE NUMBER, WHICH I DON'T HAVE. I SEE THE ACCOUNT WAS OPENED IN XXXX, WHICH IS NOT LEGIT. PLEASE HELP ME I DONT KNOW WHAT ELSE I CAN DO. THESE ISSUES HAVE BEEN GOING ON FOR THE LAST 5 TO 6 YEARS NOW. I HAD OTHER DEBT COLLECTORS CALLING, AND I EXPLAINED TO ALL OF THEM THIS IS NOT MINE. THEY SEEMED TO IGNORE AND SELL TO OTHER DEBT COLLECTORS, AND SO ON. NOW, IT IS GETTING TO THE LIMIT BECAUSE THIS IS NOT TRUE AT ALL. I HAD DEBTS IN THE PAST I RESOLVED WITH THE CREDITORS, AND I GUESS THEY GOT MY NAME FROM MY HARDSHIP TIMES AND DECIDED TO PLAY WITH IT. WHAT CAN ONE DO IF EVEN THE CREDIT BEAUROU DOES HELP US? PLEASE HELP ME I AM BEING TRULY HONEST HERE. THESE PEOPLE ARE RUINING MY CREDIT.

Account Number
XXXXXXXX
Name
LVNV FUNDING LLC
C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX
Date Opened
XXXXXXXX  (FRAUDULENT) I NEVER OPENED AN ACCOUNT ON THIS DAY/NOR WITH THIS BANK
Responsibility
Individual Account
Account Type
open
Loan Type
DEBT BUYER
Balance
$XXXX  Last Payment Amount
$XXXX  Original Amount
$XXXX  Original Creditor
XXXX XXXX (Financial)
Past Due
$XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX BANK ACCOUNT Ending in # XXXX My bills are scheduled in my XXXX XXXX  account to make automatic payments to this account. The epayments were returned by XXXX bank with an ERROR CODEPayee Inactive OneUnited failure code XXXX which was received on MULTIPLE PAYMENT attempts. 
I did in fact NOT MAKE A LATE PAYMENT. XXXX XXXX changed account number and did not accept the electronic payments that I attempted on MULTIPLE attempts and once I was informed, I had no option but to make a paper mail out check which they did not post timely. 
XXXX has absolutely NO active customer service to speak with a representative about account issues or resolving them. I could not make a payment through the website. I was able to press a button an speak with someone in a lost/stolen department and they removed the late fee charged, but were not able to remove the negative credit post. 
The negative {$5.00} late payment was reported to the CREDIT BUREAUS. Due to this issue it has dropped my credit score 86 points which is COMPLETELY inaccurate and unfair as I have been a customer with this bank for YEARS and never had any late payment. 
I have written letters to their Customer service email and letters in the mail. I am asking for resolution of this inaccurate negative mark being removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A fraudulent credit card account was opened in my name and was charged XXXX dollars this account was opened on XX/XX/2021 and was unverified i would like for this account to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
I am on the XXXX XXXX XXXXXXXX XXXX list for a long time. I last verified my status sometime in summer 2023. Mr. Cooper upon [ recently = XXXX ] acquiring servicing rights to my home loan has began sending me unsolicited refinance or 2nd mortgage marketing materials. 

I do not recall having opted in to receive marketing material upon registering my online account, and I have reviewed my settings on MrCooper.com and am unable to find any settings related to marketing materials.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 response to consumer: Closed with non-monetary relief