vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-19 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: NY

Complaint narrative:
I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In XX/XX/XXXX, I went to a bank to open a checking account and was told I was placed on a bank checklist by the Bank of America ( BOA ) XXXX, MD branch and was not allowed to open an account. I visited the XXXX branch on the same day and spoke with the XXXX XXXX who gave me the number to BOA headquarters to discuss monthly fees charged to my account which had been inactive prior to XXXX. I spoke to a representative at BOA  headquarters who stated that I owed {$2000.00} in mostly bank fees but she could settle for {$1000.00}, which I did not have at the time. On XX/XX/XXXX, I returned to the BOA  XXXX, MD branch to pay the {$1000.00} settlement. The bank had a record of my call to headquarters but no record of the negotiated amount. I called BOA  headquarters again from the XXXX XXXX and a bank representative named XXXX told me and the XXXX XXXX XXXX  that the full amount of {$2000.00} was due because the bank does not settle. It is BOA 's policy that any account that is in the negative and inactive for 120 days or more shall be closed. Again, the account had been inactive prior to XXXX yet monthly fees of {$29.00} were charged through XX/XX/XXXX. The beginning account balance on XX/XX/XXXX was - {$890.00}. The beginning balance on XX/XX/XXXX was - {$2000.00}. By the end of XX/XX/XXXX, after an additional fee of {$29.00} was charged, the balance was - {$2100.00} and BOA  closed the account. After attempting to settle this matter by paying {$1000.00}, BOA  refused to accept that amount and I remain on the bank checklist, unable to open an account. As a consumer and business owner, this unfair and predatory banking practice by Bank of America has caused me 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 2023-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: AZ

Complaint narrative:
Mercantile Adjustment Bureau is attempting to collect a Debit which i am in no way obligated to pay at all. I have no contract or dealings with Mercantile and I would like ( 15 usc 1692 ) I hold no olbligation to the company, I refuse to pay and would like them not to contact me futher in regard of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One XXXX It has come to my attention that my account has been charged off. However, I have never recieved a XXXX. This is my formal request for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: XOOM CORPORATION

Complaint narrative:
I have money in my XXXX XXXX XXXX XXXX  account. 
I used Xoom to transfer US {$1300.00} from XXXX to XXXX XXXX, XXXX. 
XX/XX/2023 : Xoom debited {$1300.00} from XXXX account, transaction ID XXXX, but did not execute the transfer to XXXX XXXX, XXXX, as requested, citing some error with recipient address. 
On that same day, Xoom debited the 2nd time, another {$1300.00}, transaction ID XXXX, again did not transfer, this time citing some error with remitter address. 
These 2 debits, amounting to a total of US {$2600.00}, rendered my XXXX account negative. 
Xoom subsequently refunded me {$1300.00}, and {$1300.00} only. 
I wrote to Xoom many times, as well as tried to contact them, all to no avail. 
Xoom keeps stating that they debited {$1300.00} once, and once only. 
They refused to refund me the other {$1300.00} amount. 
Recipient receives nothing. 
I lost {$1300.00} in the transfer process, my account balance now is only {$20.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: SC

Complaint narrative:
I requested a copy of my credit report from XXXX and found many errors and misrepresentation of my true credit report. I have requested for these derogatory information to be removed from my credit report. There's approximately XXXX account inquires which shows XXXX did not follow there own procedures. However, they claimed to use a third party to verify my information instead of contacting me. I believe XXXX failed to use XXXX for third party verification. If they did there's no evidence of who they used as a third party without notifying the actual consumer. I have reported several times to all three bureau of my identity being stolen. I even submitted letters from other establishment stating my identity was stolen. I have asked to have my US Dept of Education information to be removed and it still appears on my credit report that my accounts are in collection. Which is not true. I am XXXX and those accounts are closed. I would like for all these derogatory information to be removed immediately from my permanent credit report. In-order to savage my credit rating and clear my credit history with unwanted information using the U.S. 15 Code 1681c-2 Block of Information resulting from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: FL

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA you are expected to delete this items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: Marlette Funding, LLC
State: MN

Complaint narrative:
I was offered a settlement agreement with Best Egg. And that is to pay them XXXX in 24 months 23 payments of XXXX a month and final payment of XXXX. That equals XXXX. Now best egg is saying I have a past due amount, and that is showing my last 15 payments to be late, and now my credit is junk. I have an email from Best Egg explaining are agreement. All my payments have been on time from date on agreement XX/XX/XXXX to my last payment date of XX/XX/XXXX. Also they have the wrong balance due amount and the length of agreement it is 24 months not 36 months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically Section XXXX XXXX XXXX ( c ). It has come to my attention that your agency has engaged in abusive and deceptive practices in an attempt to collect an alleged debt. 

I hereby demand that you immediately cease and desist all activities related to the collection of this alleged debt. Your abusive and deceptive practices are in direct violation of my rights under the FDCPA. I am well aware of the protections provided to me as a consumer, and I will not tolerate any further harassment or misconduct. 

Furthermore, I exercise my right under XXXX XXXX XXXX ( c ) to request the removal of any and all information pertaining to this alleged debt from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agency without my express written consent. I hereby withdraw any previous consent you may have had and demand that you cease reporting this debt to Please consider this letter as a formal notice of my intent to take legal action if your agency continues to engage in abusive or deceptive practices. In pursuant to XXXX XXXX XXXX I will demand XXXX per each violation, I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA. All future communication regarding this alleged debt should be directed to me in writing at the address provided above. Phone calls or any other form of communication will not be accepted. I expect your immediate compliance with this cease and desist notice. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: TN

Complaint narrative:
Experian is reporting an account name XXXX XXXX that I never opened, i have already mailed in the police report and have not heard anything back its been over XXXX  days. Experian is also reporting a account name XXXXl XXXX with a balance of {$460.00} that was not authorized by me and I have also mailed the police report in to them XXXX  days ago.

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 2023-07-19 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: TN

Complaint narrative:
I've never had any issues with the Credit Bureaus until 2 years ago when they started allowing random companies post false information on my credit report. For instance, I graduated from XXXX but I paid off my balance that was not part of my student loans yet there's another charge on my credit report that XXXX doesn't know about. I disputed it with Experian even showing them a screenshot of the zero balance yet they keep it on my report. Then other accounts followed so now my credit report is the worst its been in years because they refuse to dispute and remove this false information properly.

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 2023-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

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 2023-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
last week i received a copy of my credit report and noticed several accounts that are listed on my report that never applied for never used i dispute these accounts and refused to remove these accounts are indentify fraud comenity XXXX, XXXX, {$3800.00}, XXXX Dept of EducationXXXX, XXXX XXXX {$5200.00} XXXX ( XXXX ) XXXX, deptofeducationXXXX Dept of educationXXXX XXXXXXXX, {$2900.00}, ( XXXX ) XXXX XXXX deptofeducation/XXXX Dept of educationXXXX, XXXX, {$6100.00}, ( XXXX ) XXXXdeptofeducation/XXXX Dept of education/XXXX XXXXXXXX, {$3200.00} XXXX XXXX XXXX XXXX XXXX, deptofeducationXXXX dept of educationXXXX, XXXX, {$5000.00}, ( XXXX ) XXXX, deptofeducation/XXXX Dept of educationXXXX  XXXX, {$2900.00}, ( XXXX ) XXXX, deptofeducation/XXXX Dept of educationXXXX, XXXX, {$6300.00}, ( XXXX ) XXXX, deptofeducation/XXXX.com Dept of education/XXXX XXXXXXXX, {$10000.00}, ( XXXX ) XXXX, deptofeducationXXXX XXXX XXXX XXXXXXXX, XXXX, {$16000.00}, ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, {$16000.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, {$11000.00}, ( XXXX ) XXXX XXXX  XXXX, XXXX, {$1500.00}, ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, ( XXXX ) XXXXXXXX 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 2023-07-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
last week i received a copy of my credit report and noticed several accounts that are listed on my report that never applied for never used i dispute these accounts and refused to remove these accounts are indentify fraud XXXX XXXX, XXXX, {$3800.00}, XXXX Dept of Education/XXXX XXXXXXXX XXXX {$5200.00} XXXX ( XXXX ) XXXX, deptofeducationXXXX Dept of education/XXXX XXXXXXXX, {$2900.00}, ( XXXX ) XXXX, deptofeducation/XXXX Dept of education/XXXX XXXXXXXX, {$6100.00}, ( XXXX ) XXXXdeptofeducation/XXXX Dept of education/XXXX XXXXXXXX, {$3200.00}, ( XXXX ) XXXX, deptofeducation/XXXX dept of educationXXXX XXXXXXXX, {$5000.00}, ( XXXX ) XXXX, deptofeducation/XXXX Dept of education/XXXX XXXXXXXX, {$2900.00}, ( XXXX ) XXXX, deptofeducation/XXXX Dept of educationXXXX XXXXXXXX, {$6300.00}, ( XXXX ) XXXX, deptofeducation/XXXX  Dept of education/XXXX XXXXXXXX, {$10000.00}, ( XXXX ) XXXX, deptofeducationXXXX XXXX XXXX XXXXXXXX, XXXX, {$16000.00}, ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, {$16000.00}, ( XXXX ) XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, {$11000.00}, ( XXXX ) XXXX XXXX XXXX, XXXX, {$1500.00}, ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, ( XXXX ) XXXXXXXX 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 2023-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/2023 I signed into my Wells Fargo online checking account via Desktop computer. Began a Bank Transfer to another linked bank as I often do. As of recent, a security code is sent to my cell phone on my profile. After pressing resend link XXXX times, the code never went to my cell Text. I looked for a drop down to send the code thru Voice Call or Email on file. There were no other options other than text to cell on file. Wells fargo agent had me send a text Help text, then I received a Wells Fargo Test text without issue. 
In summary, Wells Fargo Blocked, denied access to my own personal money deposits and would not allow a Bank to Bank Transfer without receiving a text code due to technical issue with Wells Fargo. It is mandatory, Online Transfer can NOT be conducted unless the customer has a Cell phone app. If my Cell phone was lost, damaged, or not available, or If I could not afford a cell phone, WElllS Fargo Bank is blocking use of access to my Deposited money transfers to Linked Banks or Debiting. Wells Fargo is forcing customers to use only a Cell phone to make on line transfer debits. if the technology is failing, customers are Blocked/locked out from accessing their money online.

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 2023-07-19 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: PA

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19 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: NY

Complaint narrative:
I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: PA

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.

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 2023-07-19 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was looking over my credit report and i seen that there were 4 hard inquiries that are unauthorized account that i am unaware about. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB- Card Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was looking over my credit report and i seen that there were 4 hard inquiries that are unauthorized account that i am unaware about. 

XXXX XXXX XXXX XXXX XXXX Capital One Bank USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX1 Capital One Bank USA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief