vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please investigate and delete the following account that do not belong to me : XXXX XXXX XXXX account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -US DEPT ED XXXX  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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please investigate and delete the following accounts that do not belong to me : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX Credit Card account XXXX XXXX. XXXX XXXXXXXX XXXXk account XXXX XXXX. XXXX XXXX XXXX account 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 2022-10-04 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: Flexible Finance, Inc.
State: TX

Complaint narrative:
Flex Finance is reporting derogatory information onto my consumer report that needs to be removed. I didnt give consent to flex finance to share my information with a non affiliated third party. The Gramm Leach Bliley Act 15 USC 6801 says that a financial institution is not supposed to share non public personal information to a third party. Flex Finance is furnishing a charged-off account onto my consumer report. The IRS definition of charge off is income. Income is not supposed to be furnished onto a credit report. 
Flex Finance did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. 

I am asking Flex Finance to Cease and Desist all communication through any and all mediums unless it is for a specified remedy that I am invoking. The term communication through any and all mediums would be telephone, email, social media, and any consumer report. This notice is pursuant to 15 USC 1692c. The term communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt is reporting onto my consumer report which is a form of communication and I need this charged off account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of {$1000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
On XXXX XXXX, a collections account was added to my XXXX and XXXX XXXX XXXX by Amsher Collection Services by the original creditor XXXX XXXX XXXX for {$250.00}. I have made several attempts to contact the Collection Agency to inform them that the collections account does not belong to me, but they chose to not reply now. 

The address associated with the collection account does not belong to me, and I have never owned/rented that property. I have also disputed the address and have got it removed from my credit profiles by the bureaus. 

The collection agency also did not send any information regarding this account, and I wasn't contacted by anyone. I did not receive any email, call, mail regarding the debt. I got to know about it when it was fraudulently added to my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a credit card with Chase Bank and I have never been late since account was opened. On XX/XX/2022 Chase Bank closed my credit card account with a positive balance of about {$4100.00} without my knowledge or consent. Chase Bank reduced my available balance to {$0.00} without refunding the credit balance to me. When Chase Bank closed my account they sent false and inaccurate collection balance information to XXXX and other data furnishers, Chase bank did this without any regards to the potential damaging impact it would have on my credit rating

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: NC

Complaint narrative:
XXXX XXXX XXXX is misreporting the account type On my report!! 

This is a medical collection! 

The account type is supposed to be medical debt based on Experians own credit glosssry!!

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 2022-10-04 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Good morning, This is in reference to Report Number XXXX which was processed on XX/XX/2022. 

Experian opened a dispute on the wrong item on my credit report and removed 8 years of on-time payment history. The account # is XXXX and it is a {$500.00} line of credit. 
They were to dispute another account instead that had similar account numbers. This on-time payment history was to remain on my account until XXXX. I had a XXXX line of credit that I paid between the years of XXXX on time. All of that information and historical data was deleted when it shouldn't have been and I was told by an agent that they can't restore the original information. 

There should have never been a dispute placed on that account that was a huge error that has ruined 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 2022-10-04 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
incorrect high balance incorrect date last activity incorrect date reported incorrect date open

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 2022-10-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have 3 fraudulent credit inquiries on my report. 

Truist dealerServices bank 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 explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
I received a letter in the mail saying that it's XXXX Collection Services and they are collecting my debt from XXXX. I double checked with XXXX and I have no outstanding balance. It's a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Identify fraud. Three BoA credit cards opened in my name. Fourth one did not get issued. No balances, cards closed. Credit reports frozen across all three bureaus.

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 2022-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
XX/XX/22 Had bed for sale on Marktetplace and rec inquiry from individual. States I needed to put XXXX into her account as a business to business transaction to avoid her loosing the XXXX for the bed. The email address was different than the bank account. I did not think that this was right but unfortunely I did what was asked. I had only used XXXX 2 times previously. I called PNC bank and she immediately advised this was a scam so I was to call and file report which I did. Then I got a letter stating my request for reimbursement was denied by XXXX. I called them again and asked for review to be done. They advise me that I am to do transaction only with people that I know. After the fact I received XXXX  routine information on scams. Not proactively but after the fact. I asked why a bank would be in partnership with XXXX and informed they are not but I am now aware that is not accurate. 
Once i knew this was a scam I sent a text back to the individual informing I knew what she was doing and she blocked me. 
I am requesting assistance with this as I am aware of the increase in this activity and the bank is responsible since they are part of the XXXX XXXX XXXX XXXX with several other banks. They are responsible to be proactice. They were very aware of the scam when I called but not willing to overturn. I do not know this person that did this. I have no relationship with her. I would appreciate assistance on what can be done as the bank appears to not be willing to help. They very likely have accounts to cover scams and the number is rising so I would think they would be doing everything possible including not being part of this LLC with the issues. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: CA

Complaint narrative:
incorrect high balance incorrect date last activity incorrect date reported incorrect date open

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
incorrect high balance incorrect date last activity incorrect date reported incorrect date open

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 2022-10-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX purchased my account from XXXX XXXX. I took out several online loans through XXXX XXXX and all of them were paid. I was notified when they were paid by their website updating automatically that there was {$0.00} owed and the account was not past due. These were set up on automatic debit. I have screenshots from XXXX 's website which show that none of my loans are past due and I owe nothing. 

National Credit Adjusters has refused to send proof the debt was paid. Sending an original loan document shows there was a loan not that there currently is a loan. 

The bank account the loans were drafted from don't go that far back, but as you can see from the screenshots all of my loans show {$0.00} past due and nothing owed because I've paid off my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
MY ENTIRE IDENTITY WAS STOLEN ALSO USED IN BREACH COMPROMISED BY XXXX. WELLS FARGO ONLINE/BANKING USAGE BY MY FAMILY.

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 2022-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: NJ

Complaint narrative:
My wife and I received a notice of debt from AssetCare LLC dated XX/XX/XXXX. I called them XX/XX/XXXX and informed them that the information provided didn't provide enough information for us to verify the debt was valid. I was told to email their company and did so on the XXXX. I followed up with another call on XX/XX/XXXX when I did not receive a response and was told that sometimes it takes a while. They still have not been able to provide that information. The initial paperwork also did not have all the legally required declarations about disputing the debt. They called me XXXX and I returned the call XXXX and told them that since the debt was over 6 years old and that they hadn't responded to my request for documentation that I would not accept any more communications from them and would be making a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent letters out to all XXXX credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
On XX/XX/22, I checked my Ally Bank Savings Account and noticed a withdrawal from my Account in the amount of {$9800.00}. It was a Saturday, but I called Ally Bank and reached an Agent from whom I asked for an explanation of the transaction. She advised that it was an ACH Debit that had been initiated the day prior ( XX/XX/22 ) and the funds were being transferred to a Checking Account. I had no other Checking Account and I did not authorize any such transaction, and although I begged the Agent to halt the transaction she claimed that was not possible. I was notified XXXX  days later of a provisional credit and because I had never authorized any transfer, I assumed the issue was resolved, which was not the case. On XX/XX/22, I received a letter stating the dispute was closed and the credit to my account would be reversed, which it was on XX/XX/22. I have included with this Complaint my two most recent letters trying to resolve the matter, but Ally Bank has not provided any evidence that I authorized or in any way approved this transfer, and the reason for that is simple - I DID NOT. I literally pleaded with the Ally Agent to reverse the transfer, but she refused to do so, and now Ally is claiming I initiated the transaction from my phone which is both incorrect and infuriating. Thank you for your kind attention to this submission, I am a XXXX Veteran and I need the funds at issue, so I am hopeful you can resolve 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