vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3400.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -OPEN ACCOUNT- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 


-CLOSED ACCOUNT- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I called XXXX XXXX to ask them why I got numerous denials from loan companies I did not even fill out any forms with this company at all. The lady on line said she would have to check into it she put me on hold and after about 10 minutes hung up on me. Also I got a denial from a car dealership in Utah. I live in Texas. they said they would check into it and get back to me ... .never have heard back from them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The DeGrasse Law Firm, P.C.
State: SC

Complaint narrative:
My Ex husband opened XXXX XXXX account in my name and now XXXX  collectors are harassing me with collection and now they sued me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: TN

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, US DEPT OF ED/XXXX. 
Company Inquiries XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-05-21 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, US DEPT OF ED/XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: FL

Complaint narrative:
On XX/XX/2020 I initiated a transfer of {$50.00} from my UI Way2Go card to my XXXX XXXX  account. I entered my XXXX account routing # and account # on the Way2Go online banking site. On XX/XX/2020 transfer in the amount of {$50.00} was posted cleared. The {$2.00} transfer fee was charged and posted to my account. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Cleared - this is the transaction information my Way2Go account has posted in my transaction history. 
I contacted my XXXX XXXX  after waiting days and not seeing my funds being added. XXXX stated their company does not support incoming wire transfers established outside of the XXXX XXXX. Also stating the transfer would have been immediately rejected and sent back. XXXX said they have no record of any transactions or requests. I have repeatedly called the way2go customer service line spending hours talking to the automated phone system and never able to speak with a person. I am unsure which company posses or where my funds are. XXXX 's customer service has been very polite and has been trying to assist me to no avail. The Way2Go customer service hasn't respond to any emails, and hasn't been available over the phone. XXXX XXXX  hasn't responded to any of my inquears as well. 

Conformation # XXXX The transfer amount was {$50.00} The Transfer fee was {$2.00} Chime online banking is backed by XXXX XXXX Way2Go Card system is backed by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: GA

Complaint narrative:
I contacted the XXXX on XX/XX/2020 by certified letter. I requested that they remove some fraudulent inquires from my report. I advised them that by law they must remove and block this information from my credit report within 5 days..

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 2020-05-21 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: GA

Complaint narrative:
I contacted the XXXX on XX/XX/2020 by certified letter. I requested that they remove some fraudulent inquires from my report. I advised them that by law they must remove and block this information from my credit report within 5 days..

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 2020-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
My Ex husband opened American Express account in my name and now amex collectors are harassing me with collection and now they sued me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I received a notice dated XX/XX/2020 informing me that Portfolio Recovery Associates, LLC ( PRA ) had purchased my credit card debt from XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX with a balance of {$580.00}. 

On XX/XX/2020, I called PRA with the intention to settle the debt. The representative on the phone told me that PRA could settle the account if I paid {$490.00}. 

I asked the representative if PRA ever settles for less than the original amount offered. The representative told me that yes, it can happen, but only " randomly. '' The representative also told me that the offer would expire on XX/XX/2020 and I would be required to pay the entire balance. 

I asked if I could negotiate a settlement of {$300.00}, the credit card 's limit. The representative confirmed that PRA could not offer settlements less than what appears " randomly '' on the computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I am disputing inacurrate information on my credit report and I submitted 3 disputes to XXXX. I do not believe that my legal right to dispute by mail was handled properly. I was sent a letter that said my dispute was suspicious. How is a dispute about inaccurate information that has my ssn on it suspicious? The letter also said it would not investigate anymore of my disputes that look suspicious. There is nothing about my dispute that was suspicious and I was requested to call or dispite on lineand I don't want to do that. 

The accounts I disputed was : Credence Resource Management- XXXX- I don't owe these people XXXX XXXX XXXX- I don't owe these people XXXX XXXX XXXX- Inaccurate payment history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Forster, Garbus and Garbus
State: NJ

Complaint narrative:
The debt collection agency sued and won a judgement for wage garnishment for a debt that I never received notification on. They sent all the notifications to an old rented mailbox from a XXXX XXXX that I closed 5 years prior. I left the job that the wage garnishment was attached to. They sent me a balance notification to my home address, I paid it in full on XX/XX/2020. I have the receipt notification. Now today, XXXX, I received a letter from their attorney that a warrant was entered for me for the balance that was already paid. This is harassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: TN

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: FL

Complaint narrative:
I have been getting the same response over and over again. I have been sending proof of who i am for two years now. social security card, photo ID, Photos of my passport. and Experian continue to neglect my request to have the items on my credit investigation. This is an on going issue. Experian refuse to investigate, Experian mention in its response that ( FCRA - Fair Credit Reporting Act is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history. The law is intended to protect consumers from misinformation being used against them ) .What experian is doing is a complete violation of this law that is set up to protect me as a consumer. Once i submit this feed back experian will say this is not me and then lie about something else. Experian continue to manipulate the system. I will be taking legal action to get this issue resolved

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 2020-05-21 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 — Investigation took more than 30 days
Company: MECHANICS BANK
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ERC
State: FL

Complaint narrative:
My XXXX-year-old mother contacted me via postal mail with a bill that she and my father received in the post. It was a bill from ERC collections representing XXXX XXXX/XXXX for a debt from XXXX it had all my information on it including the debt amount and the details of it. I have never given out my parents address and have not lived there since XXXX. XXXX and XXXX have always had my correct address to contact me at. I called them and advised them that they violated the law and after trying to transfer me several times to a supervisor and the office of the president they said that they could give me that number I advised them it was in their best interest that they contact me asap. ( call ended ). This is not only an embarrassment to me since I am XXXX XXXX  and my husband is XXXX XXXX XXXX ( he is a XXXX XXXX ) thankfully getting better. But my parents are very old and frail. They have violated the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
After sending email showing illegal attempted activity on my checking account Square.com sent this note. I do not and wish not to have an account with Square.com. But without an account on file with square.com you can not file valid complaint. 

There was four transactions from four different square devices that were on my bank account without my authorization. ( see attached PDF ) XXXX XXXX XX/XX/2020, XXXX XXXX  ( 3 days ago ) to me Hi XXXX, I'm XXXX from Square Customer Success, thank you for reaching out! I get how important this is, first let me apologize for the delay in my reply, we have been receiving a higher amount of emails than normal, but I want you to know that I will do my best to help you in the best way! 

I'm sorry to hear about the transactions that were made on your account by someone using a Cash App account. 

Unfortunately I do not have access to that type of account but you can reach out to Cash App Support directly from the Cash App : From the app, tap on your profile image and scroll to the bottom of the page. 
Tap Cash Support and review answers to common questions. If youre not able to find your answer, tap Something Else. 
Select your reason > Contact Support. 
You can also contact Cash Support by visiting Cash.app/help. 

Let me know if there's anything else I can help you with. I'm happy to help Stay safe and healthy! 

Regards, XXXX XXXX Square Customer Success ref : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched CREDIT CARD FRAUD CLAIM LETTER claim date of XX/XX/XXXX {$470.00} dated XX/XX/XXXX COMPLETING INVESTIGATION CONFIRMED UNAUTHORIZED TRANSACTIONS *** A YEAR LATE! USAA HAS NOT PROVIDED TEMPORARY OR PERMANET FRAUD CREDITS XX/XX/XXXX OR MADE TEMPORARY PERMANET CREDITS. See attatched XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX letters all state : VERIFY USAA CREDIT CARD FRAUD CHARGE ** NO FURTHER ACTION IS NEEDED AND WE WILL CONTINUE TO PURSUE THESE CLAIMS AS FRAUD ON YOUR BEHALF. USAA HAS NEVER COMPLETED OR RESOLVED ANY OF THIS FRAUD {$12.00} {$49.00} {$12.00} {$10.00} {$11.00} {$13.00} {$15.00} {$23.00} EITHER. USAA LEAVES CONSUMER WITH FRAUD. USAA IS NOT ZERO LIABILITY. Kindly Note it took a year to complete XX/XX/XXXX fraud investigation & credits still NOT provided HOW LONG UNTIL USAA COMPLETES THESE INVESTIGATIONS OF FRAUD XXXX & XXXX??? NEVER?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: TN

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX, XXXX. 
Company Inquiries 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 2020-05-21 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:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. 
Company Inquiries 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