vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-12 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: NV

Complaint narrative:
I have disputed multiple times on the items listed below with the bureaus. Despite this, they persist on my credit report. Kindly request an investigation into these matters and ensure their removal from my credit report. 

Experian : This account is not mine : XXXX XXXX XXXX XXXX XXXX XXXX Under 15 US Code 1681e ( b ) and US Code 1681i ( 5 ) this account is not reporting accurately and is in violation. 
The following personal information are incorrect, please remove this immediately and only report accurate information : 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  The following inquiries are not authorized, please remove from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is not mine : XXXX XXXX XXXX XXXX XXXX - Under 15 US Code 1681e ( b ) and US Code 1681i ( 5 ) this account is not reporting accurately and is in violation. 
The following personal information are incorrect, please remove this immediately and only report accurate information : Incorrect Name - 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  The following inquiries are not authorized, please remove from my report : XXXX XXXX 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 2024-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
This account has been disputed an taken off my credit as it does not belong to me. And after 6 or more years it has returned to my credit stating it was purchased by Jefferson Capitol Systems. They've sent notices with 3 different addresses and have called making threats if I don't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: Exeter Finance, LLC.
State: PA

Complaint narrative:
Exeter finance is reporting inaccuracy on my credit report. I called this company for them to tell me my account was still open in which it was closed and charged off in XXXX. Exeter finance called me to pay XXXX XXXX and they will write off the rest they did not send a pay to delete letter but want me to sign off on paperwork. They posted the account was late after they charged off. This account is in violation of 15 usc 1692g and 15 usc 1681. A charged off account should not be updated once it is charged off. Exeter finance have charged off this account since XXXX  reporting every month

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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:
These inquiries listed below are not mine and I want them to be removed immediately. 
Equifax 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 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 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 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 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These inquiries listed below are not mine and I want them to be removed immediately. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: NV

Complaint narrative:
Ive been having a Chime account for a couple years now Ive never really had any problems with it until I lost my information and charges were made to my account which took a lot of money out of my account. I called Chime so that they can dispute these charges chime made the dispute for me and without any investigation they denied all of my disputes within XXXX minutes after getting off the phone with them, I called them back the next day and told them what happened and they made more disputes for me and then again they denied all of my disputes after only XXXX minutes! When I tried calling back again to talk to someone to explain to them that they did not give me fair investigation they did not help me. I do not know why they did not give me a fair investigation and I feel, discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX knowingly and intentionally acted without lawful authority when it furnished the consumers private account information to Consumer Reporting Agencies one of those consumer agencies that I'm aware of is TRANSUNION and is therefore guilty of Identity Theft as defined by 15 USC 1681a ( q ) ( 3 ) & New York State Code 190.79 Identity theft in the second degree. TRANSUNION is in unlawful possession of the consumers private financial information and has used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization. The original creditor, XXXX XXXX, failed to provide me with the necessary disclosures required under XXXX and 15 U.S. Code 6802, These disclosures are vital in ensuring the protection of consumers personal information and preventing identity theft.

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 2024-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I'm calling because I mean I'm because I called on the XXXX to let you guys know that my I lost my phone with my cash card inside my phone wallet and I when I called on the XXXX they told me that they were going to secure my account and stop my card but my card is still being used so XXXX my account is not secured I have the new device that I'm signed into now my my cash card but it's when I lock it it still unlocks because my other the other phone is like I have to wait for them to suspend my phoneI already submitted my claim I was denied wen my phone was stolen I don't get it how some one can steal someone phone and us up they only funds I have available and have bills and rent to pay this is beyond frustrating for me It's was not authorized by me my phone was stolen this is beyond frustrating for me I lost my phone some one other then me took all the fund I had available to and I get nothing with bill to pay rent that's due and I'm doing withoutIf u can see my login is on a different phone and phone number my phone was stolen I don't give any one access to my account my phone was stolen and some one with out my authorization and use my account to gain access to my fundsOk my fraudulent claims have been denied to fund I have kids and bill and I was depending on that money now I have nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am not liable for this debt with XXXX and don't have contract with XXXXXXXX XXXX.They did not provide me with the original application loike I asked.

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 2024-05-12 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: NY

Complaint narrative:
I am not liable for this debt with XXXX and don't have contract with XXXX XXXXThey did not provide me with the original application loike I asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: ID

Complaint narrative:
I was recently notified there was a change in my credit report from XXXX XXXX. When I checked, a debt collection was on my report as a unpaid debt of {$2500.00}. I work very hard to keep all my payments current, no late payments, etc., so that my credit score stays in a very 'good ' place. This report dropped my score XXXX points!!! This is not my loan. It is a result of identity theft in XX/XX/XXXX. I went through the necessary steps to dispute this through identitytheft.gov. when it originally occurred. I have never heard from this collection company 'Paramount Recovery Systems ' until I called them XX/XX/XXXX, inquiring about the information placed on my credit report! From what I understand, a collection agency is suppose to contact the person before anything is filed on their credit report. Paramount Recovery has never contacted me. I had no idea this fraudulent claim was in collections. 
Repairing credit isn't an easy thing to do, so I am frustrated that a company can place an extremely negative report on my credit, especially without contacting me first to let them know it is not my loan! This very negative mark can/will affect my good rating on my credit score and credit report, making it very difficult to obtain credit in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
AMERICAN EXPRESS knowingly and intentionally acted without lawful authority when it furnished the consumers private account information to Consumer Reporting Agencies one of those consumer agencies that I'm aware of is XXXX and is therefore guilty of Identity Theft as defined by 15 USC 1681a ( q ) ( 3 ) & New York State Code 190.79 Identity theft in the second degree. XXXX is in unlawful possession of the consumers private financial information and has used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization. The original creditor, AMERICAN EXPRESS, failed to provide me with the necessary disclosures required under XXXX and 15 U.S. Code 6802, These disclosures are vital in ensuring the protection of consumers personal information and preventing identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I was alerted through a credit monitoring email that ProCollect , Inc had placed a derogatory mark on my credit report for a balance owed to an apartment complex, The XXXX XXXX, of {$240.00}. Prior to placement of this mark on my credit report I had no knowledge of the alleged debt and had never received any correspondence or communications from ProCollect or the apartment complex about this debt despite leaving my forwarding address and phone number with the apartment complex and confirming my account was clear at move-out. The apartment complex has not returned my deposit of {$250.00} which would have covered the alleged debt amount nor have they sent any final statement. I moved out of the apartment in XX/XX/XXXX in accordance with my lease after closing on my new home. I am an attorney and would never jeopardize my credit for an unpaid {$240.00}. I had always paid my rent on time in the 3 years I lived at the XXXX XXXX from XXXX. I personally cleaned the apartment and left it in good condition with no damage upon moving out so I can not imagine what the alleged debt is for. I have videos of the apartment condition at move out. 

After learning of the derogatory mark, I called ProCollect and the apartment complex immediately on XX/XX/XXXX. When I could not reach the XXXX XXXX  by phone, I called the owner, XXXX XXXX. The XXXX  rep stated she did not find any evidence that I owed a balance and that it was likely a mistake and would have someone call me back. Since then, neither XXXX  or XXXX XXXX have responded to my email or calls. ProCollect refused to provide me any validation of the alleged debt or say what it was for but requested payment over the phone. I made it clear to them I was disputing the debt and that I had no knowledge or notice of the alleged debt and that they had not attempted to contact me prior to placing a mark on my credit report. On XX/XX/XXXX, I sent ProCollect a letter via certified mail and email disputing the alleged debt and requested any evidence from the apartment complex ( Statement, invoice, contract etc ) that would validate the debt and their right to collect. I also requested they remove the mark from my credit report. After the call and sending them the letter, on or about XX/XX/XXXX I received the first letter ever from ProCollect in the mail ( letter dated XX/XX/XXXX ) attempting to collect a debt without any information or validation as I requested and required by law in violation of fair reporting laws. I still have not received a response to my letter with proof of the alleged debt and the ProCollect account and derogatory mark is still on my credit report as of today XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Ok so after verifying my identity Venmo suspended my account for 7 days holding my money XXXX they do this all the time to people its insane

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: NY

Complaint narrative:
I am not liable for this debt with XXXX and don't have contract with XXXX XXXXThey did not provide me with the original application loike I asked.

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 2024-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Once again, it's tax season time and the crooked banks attempt to make an extra interest buck off your return by lying. My ( paraphrased ) convo with USAA today, XX/XX/2024, after they wanted to hold most of my check for a week : Me : Why are you holding this much of my check for a week? I know you all ( banks ) can communicate with each other instantly. 
XXXX : It doesn't work that way ma'am... 
Me : Yes it does, I give and receive money all the time in this and other fashions and it goes through immediately as long as it's under your arbitrary amount. 
XXXX : Well we are legally required to hold any amount over XXXX amount ( note that they did not release XXXX amount to me, they released less ). 
Me : What law is that? 
CSR : Uhh ... well ... uhhh... 
Me : Look, you told me there is a legal reason you can not release my funds to me for an entire week and that means there is a binding law somewhere and I want to know what it is. 
XXXX : Well, actually there isn't actually a law I apologize for my miswording... 
Me : Okay so back to the initial question... why are you holding the vast majority of my check ( from a person that I get a check from every month from the same bank and there has never been a single problem on our end for a literal decade ) over an arbitrary amount that you didn't even release up to for me? 
XXXX : ( XXXX off now ) I'll do that right now ma'am you have a good day *click* My funds were completely available five minutes later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation