vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: 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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-09-15 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: GA

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.

has violated my rights. Or a list of inquiries : 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 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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: COMMERCE BANK
State: KS

Complaint narrative:
I XXXX Sulejmani.enter the Commerces bank XXXX XXXX XXXX XXXX XXXX Kansas XXXX, on XX/XX/2023 around XXXX - XXXX I came in the bank to cash a cashier check with a customer copy for XXXX dollars. I then gave them the check and they took it to verify the check. came back to me and gave me a photo copy and claimed my check was fraud. I got the check from my cousin XXXX XXXX who banks with us bank on XXXX XXXX XXXX XXXX Iowa XXXX they then closed my account and took the check from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DCI Credit Services, Inc.
State: ND

Complaint narrative:
I am about to sue DCI credit services in North Dakota because Ive been disputing a debt and told they didnt have to give me verification. Now I am receiving paperwork for the same debt with a revised amount but still No verification. Also it has been on my credit report since XX/XX/2023 but they are trying to change the amount now and already threatened to sue me about the past amount which is changed now so how is that legal? You put something that is false on my credit report to hinder me? Thats legal?? I dont think so. I will taking action and need my credit report cleared up from this nonsense. They are clearly breaking laws and that needs to be dealt with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: Thaxton Investment Corporation
State: IL

Complaint narrative:
XX/XX/2023 XX/XX/2023 XX/XX/2023 I have filed 3 complaints prior to this on requesting that they send over a copy of the signed loan agreement. They continue to send over a check. This check does not validate or constitute that I entered into any type of loan agreement and according to the FCRA validation must be provided. This still has not happened. 
The company is only sending a copy of a check. 
I have never requested a loan from this company nor did I ever enter into an agreement or sign any check for a loan with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: NC

Complaint narrative:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.

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 2023-09-15 00:00:00
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-09-15 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2023, there was an unauthorized transaction posted on my Capital One Savor One card account from XXXX XXXX XXXX  for the amount of {$2200.00}. I tried to notify Capital One of the issue, but the prompts they have built online on reporting issue on your statements never go through ( screenshot attached of the first step ), and when I click " View Order '' button, it brings me to XXXX login screen with some strange email address on it that is not mine. I do not have a XXXX account and have not authorized this purchase, and nobody else that I know has access to this card or the XXXX account indicated on " View Order '' section.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I have been the victim of identity theft. Because of this, I have fraud alerts placed with all three major credit bureaus. On XX/XX/XXXX, I received an alert from XXXX that Credence Resource Management had placed a file for collections in the amount of {$82.00}. It did not give any further information on my credit report. I contacted Credence on XX/XX/XXXX, and they said that the debt was from XXXX XXXX. I have previously had three other collection agencies tell me they have a collection from XXXX, all which were successfully disputed as possible identity theft. I have also filed paperwork with XXXX. XXXX has said they can not find anything under my social security number, nor the account number that has been given to me by Credence and that I should contact Credence and not them. Credence repeatedly says I should contact XXXX. The last representative told me that XXXX would not have access to any of my information, nor have record of the collection, but I should still contact XXXX. How would Credence have information on a debt for XXXX, but XXXX has no record of it? I'm not sure what is going on. 
Credence claims they have sent out " multiple '' letters to me and have called me " multiple '' times. I have not had any letters, nor phone calls from them. This solely appeared as a collections account on XXXX. I have filed police reports, identity theft reports with CFPB and XXXX, and have disputed everything. Just when I thought I was seeing the mental light from my thoughts of self-harm over all of this financial burden I've been placed in for identity theft, they keep coming back haunting me. I've spoken with my therapist, and we are now on a better front as far as that goes. But since the person that I believe may have been the perpetrator of my identity theft is someone that XXXX me, XXXX  me, put a XXXX to my head, and gave me XXXX, this brings back all of that all at once. That person is now dead, but I am left to deal with the repercussions of their actions. 
During the calls do Credence, they kept just trying to get me to make a payment and ignore me when I said that it was not my account and was possible identity theft. THe one agent I clearly told I am not making a payment, clearly said that he is not asking for that, but we can settle this today for {$46.00}. Even after I told them it was not my account, not my debt, and disputed it, they tried to collect. It was my understanding that after you dispute an account, they can not try to collect for 30 days. 

Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: Chime Financial Inc
State: MO

Complaint narrative:
On XX/XX/2023 I had just gotten paid through my Chime ( BankCorp NA ) account and was getting gas. At the same time I got an alert that there was a {$610.00} withdraw that was taken out. My account had been hacked into. I called Chime and reported this immediately that this transaction was not authorizated, Instead of them stopping the transaction they file a dispute. They denied any wrong doing and would not return my money. I reopened the case and they still denied any wrong doing was done. I reopened it a thrid time and even sent a police report and they still will not return my money. I have called them several time and they will not let me talk with any one in their investigation department. They are refusing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I had a high yield savings account with American Express, which I closed last year. One of the reasons that I closed the account is because American Express made it so difficult to access the account when it attempted to merge online log-in credentials for its credit cards and its banking accounts.

Anyway, I called American Express today ( XX/XX/XXXX ) to obtain the tax information to file my XXXX federal and state income tax returns and they were completely unhelpful. Not only were they not able to help me restore my log-in credentials so that I could print my XXXX Form XXXX myself, but the representative that I spoke with could not even give me the total interest amount for the year or email me a copy of the tax form. The only thing she could do was mail a paper copy, which takes a few weeks to arrive in the mail and may come after my tax filing extension deadline. It is beyond frustrating to not be able to obtain simple tax information from a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
I havent used my card in XXXX weeks due to the fact that my card was stolen I made a request for a new card XXXX weeks later the day my card arrived I received notification that my account had been closed for violating terms and agreements not sure why being that I hadnt used my card in XXXX weeks I chatted with support they couldnt give me a reason I called to speak with a superior the same thing they have also took money from my account every time I loaded with paper money at the XXXX every time I had got paid through cash app for freelance work I do theyve also taken more then what they should

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: Stewart Information Services
State: SD

Complaint narrative:
I am selling my home and the title company says that I have outstanding child support payment due. I called the Department of Social Services and they told me that they have no record on me. They think this issue came about because my name is a very common name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
15USC 1681 a ( d ] ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Chexsystems is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Chexsystems and the financial institutions reporting collections/Charge-Offs, and other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original InformationOverview with the Internal Revenue Service against ALL entities involved

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 2023-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/23 a XXXX XXXX banking account was opened at Bank of America without my knowledge ( acct XXXX ). I called and reported this, was given the case id : XXXX, told it would take 90 days to resolve. On XX/XX/XXXX, they requested I send a copy of my SSN to prove I didn't open the account. I declined, as they already had my SSN, DOB and address, so showing my SSN would not prove anything. On XX/XX/23 I received a letter that they decided to close my account, that they could report me and it could affect my credit, and sent me a check for {$1.00}, which was what was left in the account ( I did not cash as it is not my money ). 

This could damage my credit, and I was offered no cybersecurity measures or ID monitoring. 

Please note, I have no accounts with Bank of America, and at no point did they request I go to a branch in person to show my license to close this account immediately and flag it for fraud. There only investigation was to ask me if I suspected anyone of doing this.

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
i do not recognize this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
All 3 Credit Bureaus are reporting incorrect information for XXXX XXXX. This account has been paid in full and I was advised that this account would be removed once paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive never had any dealing or account with XXXX XXXX XXXX and I am not sure why Experian and XXXX has allowed this company to report to debt to my credit file. I have not given Experian or XXXX the okay to report this bogus account to my credit file. This has violated the Fair Credit reporting Act. I will get an attorney involved over {$100.00} if I have to to file a lawsuit against XXXX XXXX, Experian and XXXX for reporting this bogus account. XXXX XXXX is known to buy bogus debt accounts and try to collect and have no ownership of these accounts. Please provide ownership of this account and where you obtain this bogus account from. If not removed I will file a case a sue for {$1500.00} per incident

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 2023-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I have called multiple times and spoke with my moorage company XXXX Bank to verify if there were any leans, loans or forecloses attached to my property. In return they said there wasn't any of those things. There have been multiple phone calls from realters to finance agencies asking me if I wanted to sell my home or if I need help with paying my loan. According to XXXX XXXX M & T bank has listed my property up for XXXX sail on XX/XX/2023. My mortgage company is with XXXX Bank. M & T Bank has claimed XXXX lent entitlement to my property. I have made every payment on my loan from the first day I closed on my home. I need to report this because I have no loans or leans with M & T Bank.

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 2023-09-15 00:00:00
Product: Credit reporting 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: MN

Complaint narrative:
IMPROPER USE OF MY CREDIT REPORT XXXX  XXXX  XXXX  IS ON MY CREDIT REPORT AUTHORIZED USER ACCOUNT NUMBER XXXX. THIS ACCOUNT WAS ADD TO WITH OUT MY CONSENT I REPEAT THIS ACCOUNT WAS ADD TO MY ACCOUNT WITH OUT MY CONSENT I REACH OUT TO XXXX  XXXX  AT ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I TOLD THEM THIS IS HURTING MY CREDIT PLEASE REMOVE ME FROM AUTHORIZE USER ON MY REPORT ASAP MY HUSBAND AND I HAVE FILED POLICE REPORT ONTHIS ISSUE MONTHS AGO AND THEY ARE LOOKING FOR THE GUY PLEASE REMOVE OFF REPORT ASAP.

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