vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated accounts ; total accounts, open accounts, closed accounts, balances, payments, and inquiries were properly investigated but how is that possible if the last activity date for each account is different? This is clearly inaccurate which means it is grounds for removal, update information, for claims of up to {$1000.00} per violation. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law also states that if a credit bureau places information on a report it knows to be inaccurate, a consumer can claim up to {$1000.00} for each willful violation. 

Attached highlighted in yellow is inaccurate information on 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 non-monetary relief
Consumer complaint received 2022-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of some account I had previously disputed. However, I have still a few account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$0.00}

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 2022-07-29 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase ran my hard credit two days in a row XX/XX/XXXX & XX/XX/XXXX. 
They made a mistake and should have only ran it once. 
Also they never processed the application because it was flagged as possible identity theft. The resolution letter went out with no path forward to fix except run credit a third time. 

They shouldnt run credit three times to try and get a credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
ConServe, a debt collection company, sent a letter dated XX/XX/2022 to my employer ( XXXX ) to garnish my wages for a debt in the amount of {$1400.00} that my father, who has the same name, had incurred with the U.S. Department of Interior XXXX Bureau of Land Management in XXXX OR where my father owns a piece of land that he had a contract for access rights. I do not own any land in OR nor have I ever been to XXXX, OR, and I was not a party to this debt in any way. 

ConServe took this action against me without a court order and without notifying me in advance of the existence of this debt, as all previous correspondence had been sent to my father. I became aware of this letter on XX/XX/XXXX when XXXX payroll sent me an email about it. I spoke with representatives from ConServe over the phone on XX/XX/XXXX to ask about the nature of the debt. When they mentioned it had something to do with the XXXX in XXXX OR, I suggested that this was likely related to my father to which the male representative responded they had " verified my social security number with the Dept. of Treasury '', which I discovered when speaking with the Dept of Treasury hotline ( after being on hold for 3 hours ) was not true as the debt provided to ConServe never included my social security number. 

I later obtained letters from my father and spoke with ConServe again on XX/XX/XXXX, providing them both the letters as well as proof of the debts being paid in full on pay.gov, where I was reassured that ConServe would cease garnishing my wages, but this did not happen. I spoke to them again on XX/XX/XXXX, but by this time it was too late and the full amount would still be garnished from one final paycheck.

The amount illegally garnished from my paycheck, for a debt that wasn't mine, is on top of the full amount that my father owed ( and paid ). 

The dollar amount in dispute is {$1400.00} plus {$25.00} in interest ( 5.45 % rate for 4 months ) = {$1400.00} My wages were garnished in 2 paychecks ( XX/XX/XXXX and XX/XX/2022 ) There was no product, I never signed any contracts with ConServe or the XXXX. 
I have not contacted any agencies or attorneys, there is no court action pending or previous lawsuits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-29 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: Financial Assistance Inc
State: AK

Complaint narrative:
I was a victim of the XXXX data breach of XXXX and the XXXX XXXX XXXX XXXX XXXXXXXX Financial Assistance Inc account number # XXXX {$8800.00} Financial Assistance Inc acct # XXXX {$4000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: MD

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my reportXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

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 2022-07-29 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I attempted to get a car loan and there was a lot of hard inquiries.I filed with identity theft.gov. 

FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX XXXX Name XXXX XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Phone : XXXX Email : XXXX Personal Statement XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Affected by the Crime Other Identity Theft Company or Organization : Date fraud began : Date that I discovered it : Total fraudulent amount : {$0.00} Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Credit Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XX/XX/2022 Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.

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 2022-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed account. 
XXXX XXXX XXXXXXXX Balance Owed : {$380.00}

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 2022-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: ID

Complaint narrative:
my XXXX credit card is only 6 weeks old and auto pay is set up. I have been put into collections because they company can not seem to get the payment correct. 1st they transposed numbers. 2nd they could not get auto pay to work for 1 to 2 months after the account was set up only with auto pay. then they reported me to the credit collections because they are not able to accept auto that they require to set up the credit card for 2 months. Do not use this company they are horrible for costumer service and will not help the customer fix they issues they created

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 2022-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: VA

Complaint narrative:
I sent {$800.00} through Remitly on XX/XX/XXXX and they hold the money for no reason they didnt explain what happened, they just ask for a picture of my license the same night I submitted it, then I been waiting for them to release the money I been calling they sent and XXXX to a bank and said it was going to take up to 5 hours to fix the problem and they would let me know what then CEO from the bank said before anything I was at work I been waiting on a call or XXXX whiche they never did I been calling them and they just put me on hold and dont give me any answers like its not the first time I send money through it I do it like every week and why would be acting up now? They literally hang up on me like am not paying for them to have the job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello I opened a business checking account with US Bank on XX/XX/XXXX using online link on their site. Account opening bonus was {$500.00} on meeting eligibility criteria and using code " XXXX '' while opening account. I met the eligibility criteria well before the allowed time. They were supposed to deposit the bonus within 30 days but it's been 2 months and I haven't got any bonus yet I followed up with the US Bank and after a month delay they denied me the bonus saying I don't qualify which is completely false as per terms of the offer ( attached as part of my complaint ). This is very misleading and false behavior and feeling a victim of bad management at US Bank I would like to request you to help me in reaching out the bank and have the bonus credited. 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 2022-07-29 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: CA

Complaint narrative:
I attempted to get a car loan and there was a lot of hard inquiries.I filed with identity theft.gov. 

FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX Middle Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX USA Phone : XXXX Email : XXXX Personal Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accounts Affected by the Crime Other Identity Theft Company or Organization : Date fraud began : Date that I discovered it : Total fraudulent amount : {$0.00} Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XX/XX/2022 Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.

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 2022-07-29 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: CA

Complaint narrative:
I attempted to get a car loan and there was a lot of hard inquiries.I filed with identity theft.gov. 

FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX Middle Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX USA Phone : XXXX Email : XXXX Personal Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Affected by the XXXX XXXX XXXX XXXX XXXX or Organization : Date fraud began : Date that I discovered it : Total fraudulent amount : {$0.00} Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX Genesis Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XX/XX/2022 Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: ENCORE CAPITAL GROUP INC.
State: AK

Complaint narrative:
I was a victim of the XXXX data breach of XXXX and the XXXX XXXX XXXX  XXXX  data this account is not mine XXXX XXXX Acct # XXXX {$870.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated accounts ; total accounts, open accounts, closed accounts, balances, payments, and inquiries were properly investigated but how is that possible if the last activity date for each account is different? This is clearly inaccurate which means it is grounds for removal, update information, for claims of up to {$1000.00} per violation. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law also states that if a credit bureau places information on a report it knows to be inaccurate, a consumer can claim up to {$1000.00} for each willful violation. 

Attached highlighted in yellow is inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated accounts ; total accounts, open accounts, closed accounts, balances, payments, and inquiries were properly investigated but how is that possible if the last activity date for each account is different? This is clearly inaccurate which means it is grounds for removal, update information, for claims of up to {$1000.00} per violation. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law also states that if a credit bureau places information on a report it knows to be inaccurate, a consumer can claim up to {$1000.00} for each willful violation. 

Attached highlighted in yellow is inaccurate information on 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 non-monetary relief
Consumer complaint received 2022-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
My bank called me and told me that my Zelle account was hacked and I had to reimburse myself. The money was then sent not to me but to someone else. 
XX/XX/22 {$1000.00} then {$500.00} = {$1500.00} Same number as my financial institution. My bank said they could do nothing it was an external account. But its linked to my bank and offered through my bank. 

I have attached screen shots of the number and the Zelle account and one transaction that did not go through properly that shows my own name not the hackers. Also, several emails from my bank showing the differences in names. The names were switched somehow to the hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XXXX Th my phone got hacked and they took off my phone signal, changed my email password and after that drained all the money from my account. 
In the same day, I tried to contact Bank of America and I stayed on hold for 1-3 hours without solving my problem. However, on Monday, I went to the bank and I opened a new account and also made a claim related to the money transferred from my account ( as instructed ). 
Since then, I didnt have any response. So, today I went to the bank and they said my case was solved and my account didnt get hacked. I immediately collected all the proofs I could get and one of the agents helped me send it to the Bank of America costume care again. 


In short, I still waiting for my response. 
Im literally a XXXX XXXX from XXXX. All the money I had its gone and I need it as soon as possible, to pay rent and etc

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 monetary relief