vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My friends phone was hacked and an impersonator contacted me via XXXX requesting {$2000.00} to help my friend in the hospital. I made XXXX different transactions from XX/XX/2023 to XX/XX/2023. All transactions added up to {$2000.00}. I later found out that my friend had never requested this money and I was the victim of a scam. I went to file a complaint with my bank XXXX Bank of America ) but they havent given me further information. I made the transaction via XXXX and was given ( by the scammer ) the following email address : XXXX I have blocked the number and have filed a complaint with my bank. I am XXXX XXXX XXXX and on a limited income. 

I appreciate your help.

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 2023-06-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have written to equifax on XXXX and XXXX and they continue to ignore my diputes of inaccurate and unverifiable information on my credit report by ignoring me. I feel violated and it has defamed my character while in the process of purchasing a home for my family. I have written to equifax several times and it has been over 60 days since my first dispute. This was not sent in error, I am a consumer by law and my information is being misused. The two accounts of XXXX and XXXX are totally inaccurate and they have not verified it by showing me how they come up with those amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
In 2019 I went to get some money out my account just to be told Midland Credit had a judgement against me. I was never served by Midland credit or my bank huge federal credit union. At the time they said l owed XXXX. They took XXXX out my account. I have a court date on XX/XX/XXXX. Its for garnishment. The person they served was not me. I filed a few motions explaining to the judge its not me. The judge goes pay the money. During the time this went to collection l had servers l accounts that someone hacked into including my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This complaint is filed against TransUnion, XXXX, and XXXX for reporting incorrect/wrong information and incomplete information on my credit reports relating to the said account of XXXX XXXX under account number XXXX that all show a high balance of XXXX. This account was disputed with all three bureaus and all three bureaus verified the account as accurate and correct. Said errors are : XXXX. TransUnion XXXX report reports this account as open.This is a closed account and in collections. XXXX. XXXX report also shows this account as open. This account is closed and in collections. XXXX. Both XXXX and XXXX reports are missing date account opened. XXXX. Both XXXX and XXXX reports are missing date last verified. XXXX. TransUnion reports date of last activity as XXXX. XXXX reports date of last activity as XXXX. XXXX reports date of last activity as XXXX. All three differ and all can't be verified as correct. XXXX. Both TransUnion and XXXX are missing date of last payment. XXXX. TransUnion report under dispute status shows account not disputed. Contrary on same report under XXXX 's Remarks, it shows account disputed by consumer. Both can't be correct. XXXX. TransUnion report under Creditor 's Remarks says account disputed by consumer. Said account was disputed and verified. Once dispute is done, the credit bureau is obligated to delete dispute code on account which TransUnion failed to do. Account is not under dispute anymore and dispute remarks or codes are to be deleted from report. XXXX. Espirian report says under Dispute status that account not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. XXXX. Espirian reportsays account disputed under Creditor 's Remarks. This account has been disputed and verified as correct. Dispute is over and once over any dispute remarks or dispute codes are to be immediately deleted from account. XXXX failed to remove the dispute remarks/codes from account. This violates the FCRA. and due process of federal law. A copy of XXXX XXXX XXXX XXXX XXXX report is included in this complaint to verify al errors and discrepancies.once all XXXX reports are side by side there is no way all XXXX bureaus verified different information from same account.

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 2023-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Received an American Express Mariott Bonvoy card without me requesting it never, nor I used ever in my life this hotel ( Mariott Bonvoy ) also I got notification by email that my request to open a card was approved ( XX/XX/XXXX ) and then when my card was delivered ( XX/XX/XXXX ) also an email notification. The card was sent by XXXX. I am attaching the photos.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Chase Bank failed to provide a credit that is just and due mu acccount. 

I filed a claim for XXXX XXXX Leather as they charged my account in three amounts : XX/XX/XXXX {$59.00} XX/XX/XXXX {$340.00} XX/XX/XXXX {$380.00} I canceled the order immediately as merchandise was unavailable. There is no phone number to contact this merchant. They give a phone number XXXX but it is unreachable as reported by hundreds of complaints online. 

A box shipped and was refused through the shipper with Fed XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

I located extensive information online about the horrors of this company and how they steal person 's funds by failing to credit accounts. 

I took a complete file into a Chase branch and they emailed it to the Chase Claims Department to credit my account. Chase Claims refused to credit my account with extensive evidence to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 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: IL

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 non-monetary relief
Consumer complaint received 2023-06-17 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: IL

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 non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2023 I sent all documents to Affirm.com billing and customer service showing that i have not received an item a, and the item was cancelled. I have filed a complaint about the company XXXX XXXX XXXX  not wanting to return the funds to Affirm. XXXX  XXXX XXXX actually said that if I remove the complaint with the XXXX  they will refund me or they are getting an attorney and their attorney is sending me a letter they are suing me for filing a complaint,. Now after all this I have forward all email, documents and everything showing i never received the item. And XXXX  XXXX XXXX even Stated that I had not received the item and I sent the email showing the shipping company cancelled it. Affirm is still continuing to withdrawn funds and will not cancel the transaction or put it on hold. I am looking for some assistance with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: Synovus Bank
State: GA

Complaint narrative:
Hello I have been dealing with this since my release from XXXX when I found out someone was applying for credit in my name. I been trying to resolve this matter I sent a police report but the company refuses to remove this erroneous fraudulent information from my credit report as well as violating my right under 15 usc 1681 a

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: GA

Complaint narrative:
This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 2023-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
1 month ago, on or around XX/XX/XXXX, I started a new account with Venmo. I had added some banking information onto the account. I was having some issues adding a bank account. There was no explanation as to what the problem was. I transfered XXXX dollar into the Venmo account. 
3 days ago I receive and email from company stating that my account had been frozen due to " activity '' that had taken place, and in order to keep my account I was supposed to upload a copy of my identification, which reluctantly I did after a couple of days. Mind you this company is known for it's Shady business practices. 
Today I receive an email from Venmo that my account was going to be permanently deactivated for " the safety of Venmo users ''. I've not had the account nearly 2 months, and my " activity '' is against their policy. Transferring funds and adding banks is against their policy. What a joke. A company who doesn't use names, goes by " Account Specialist '' is sitting in some back office, demanding my identification; holding my money and account hostage, is saying that my activity is a risk to the safety of their users??? What a joke. 
I finally said I didn't want the account anymore, that I just wanted my money returned. They're refusing to do so. This complaint is the first step in trying to recover my funds. VENMO IS NOT KEEPING MY MONEY. This company is a joke and needs to be shut down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've asked TransUnion to verify XXXX XXXX XXXX XXXX sent them a letter certified getting no response for them I have no acknowledge that this account or nor do I know about this company

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 2023-06-17 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: MI

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX BANK XXXX XXXX : {$44000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$470.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; STATE OF MI OFFICE CHI XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : SERVICED BY XXXX XXXX ) XXXX XXXX XXXX {$39000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX 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 2023-06-17 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: MI

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$44000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$470.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; STATE OF MI OFFICE CHI XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : SERVICED BY XXXX XXXX ) XXXX XXXX XXXX {$39000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 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: TX

Complaint narrative:
I received an XXXX XXXX from Experian on XX/XX/2023 claiming that my dispute was done and ready for review. 
The problem had not been fixed, AGAIN. 
The user name is still XXXX which belongs to XXXX XXXX who has stolen my identity. I still unable to get into account. I was told they whole account would be deleted and it hasn't because they used it to send me an email. This is the type of Incompetence from a company that has the power to ruin a consumers life! This has been going on 2 and half yrs. This is ridiculous! Is this being done on purpose.

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 2023-06-17 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have written to Experian on XXXX and XXXX and they continue to ignore my disputes of inaccurate and unverifiable information on my credit report by ignoring me. I feel violated and it has defamed my character while in the process of purchasing a home for my family. I have written to Experian several times and it has been over 60 days since my first dispute. This was not sent in error, I am a consumer by law and my information is being misused. The two account amounts of XXXX and XXXX are totally inaccurate and they have not verified it by showing me how they came up with those amounts. My information was also impacted by the XXXX data breach.

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 2023-06-17 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Hi, When I pulled my credit reports, I noticed many hard inquires on my credit report. That shouldn't be on there at all. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-17 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: CA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX Balance : {$15000.00}, XXXX XXXX Balance : {$6600.00}, XXXX XXXX XXXX Balance : {$35000.00}, XXXX XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXXXXXX Balance XXXX {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1400.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$14000.00}, 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 2023-06-17 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: IL

Complaint narrative:
I have an unauthorized inquiry on my credit file. I have no knowledge of this inquiry and I need it removed immediately. The inquiry is from XXXX and it occurred on XX/XX/2023. I did not open a account on that day.

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$2000.00}, XXXX XXXX Balance : {$2700.00}, XXXX XXXX XXXX XXXX XXXX : {$8200.00}, XXXX XXXX Balance : {$220.00}, XXXX XXXX Balance : {$6600.00}, XXXX XXXX Balance : {$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