vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 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: TX

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I have been contacted repeatedly GM Financial. They ask that I return their call at XXXX. I have had no dealings with GM Financial. 
I bought a car from XXXX in 2006 and it was paid in full, by my dad. I have no attachment to that loan and have had zero dealings with GM, except for car repairs, which I have paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Patrick K Willis Company Inc
State: PA

Complaint narrative:
This notice is a Cease and Desist! American Recovery Services unlawfully obtained my nonpublic personal information from XXXX XXXX XXXXXXXX without my consent. American Recovery Services then unlawfully shared my nonpublic personal information to XXXX XXXX XXXX containing information in reference to my 2019 XXXX XXXX XXXX, License Plate # XXXX, VIN # XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX without my prior consent or from an express permission of a court of competent jurisdiction repossesessed my vehicle under the assignment of XXXX  XXXX XXXX. XXXX XXXX XXXX does not have a legal enforceable security interest in the vehicle therefore this is deem as STOLEN PROPERTY! these organizations are using racketeering activity to deprive me of my consumer rights and constitutional rights. see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This complaint is for WELLS FARGO. I sent them letters regarding the inaccuracies in my report due to inaccurate reporting reflecting on my credit report but no further action has been taken. They claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. 
States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2023-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
This notice is a Cease and Desist! XXXX XXXX XXXX unlawfully obtained my nonpublic personal information from Bank of America without my consent. XXXX XXXX XXXX then unlawfully shared my nonpublic personal information to XXXX XXXX XXXX containing information in reference to my 2019 XXXX XXXX XXXX, License Plate # XXXX, VIN # XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX without my prior consent or from an express permission of a court of competent jurisdiction repossesessed my vehicle under the assignment of Bank of America. Bank of America does not have a legal enforceable security interest in the vehicle therefore this is deem as STOLEN PROPERTY! these organizations are using racketeering activity to deprive me of my consumer rights and constitutional rights. see attachments

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 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a separate complaint on the count of Bank of America freeing my funds without a court order, judgement and tax lien. This complaint refers to BofA denying me access to Social Security funds and XXXX XXXX annuity payment. Both are under investigation by XXXX for Social Security and the Special Investigations Division of XXXX XXXX. The cfpb should take additional steps due to XXXX, clear violation of Federal Statute ( USCA ) and US case law.

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
Consumer complaint received 2023-04-26 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: SC

Complaint narrative:
I have reported Identity Fraud to all three credit bureaus and wrote a letter to submit to remove this from my consumer report. This is not my account, please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
TRANSWORLD SYSTEMS INC ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$340.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: TX

Complaint narrative:
I have been contacting Transunion for a couple of months regarding my credit report. They have failed to give me peace of mind and resolve my concerns! I am missing out on job opportunities, cant purchase a home and cant buy a car to take my grandma back in forth to the XXXX XXXX. These items that I listed in my ftc report are either UNTRUE UNVERFIED, INCORRECT INCOMPLETE, UNTIMELY, NOT MINE< NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! This is a violation ofFCRA 15 USC 1681i, every single one even each any or all of the unproven, non- compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely DELETED!

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 2023-04-26 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: TX

Complaint narrative:
To whom it may concern, On XX/XX/XXXX    I sent a letter via certified mail to Experian a national credit reporting agency. Attached to this letter was a photo copy of my identification and a utility bill. These item were to show proof that said letter was coming from me DIRECTLY. In the letter I simply requested them to provide me with their validation procedures for debt claims falsely placed on my credit report. Also asking them to delete any claims that did not follow those guidelines. Along with the following request which by law I am entitled too. 
1.The name of the original creditor 2.The creditors address and telephone number 3.The persons name they verified the dispute with 4.The documentation used to verify the dispute On XX/XX/XXXX I was sent a computer generated reply stating that the letter was not from me, so no action/changes ( tho harmful ) would be made on my behalf. 

I AGAIN sent letters on XX/XX/XXXX regarding the same and other issues that this company is continuely reporting on my credit. Only to be met with the same computer generated email/letter on XX/XX/XXXX. All of the above attempted communication with this company has been sent with photo ID and a utility bill proving this communication is from myself directly. 

It is my opinion that this response is dismissive, negligent, and showing zero discernment in this companies harmful practices. This seems to be a deterrent of my rights to a TRUE investigation afforded to citizens by the Fair Credit Reporting Act. 

It has now been well over 30 days and I have not received my due process of the above issues.

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 2023-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: IN

Complaint narrative:
My girlfriend and I both received identical letters ( attached below ) from I.Q. Data International , INC via USPS stating that we owe {$690.00} to XXXX ( XXXX  ). Knowing that this debt does not belong to us, I composed a debt verification letter ( attached below ) requesting verification of this debt with proper documentation. After checking the box indicating that we are disputing this debt, I returned the initial letter along with the debt verification letter to I.Q. Data International via certified mail. I utilized certified mail to ensure that I would receive notice upon delivery ( attached below ). Under federal law, I.Q. Data International is required to provide us with documentation verifying this debt within thirty days after receiving our request. They received the debt verification letter on XX/XX/XXXX This can be verified by the signed return receipt, which I have attached below. Because they failed to respond I assumed that they were unable to validate the debt and therefore, I considered this matter closed. However, my girlfriend continues to receive multiple phone calls a day, during which they attempt to bully her into paying this debt immediately. They have also wrongfully sent our debt to credit report agencies which has negatively affected our credit scores. After reviewing the steps we have taken, I suspect their actions violate our rights under federal law. Along with this complaint I will also be filing complaints through my state attorney general as well as the Federal Trade Commission. We do not wish to press charges against I.Q. Data International, although we are certain their actions would justify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
They have been sent numerus letters asking for a signed contract that they will not send to verify this alleged debt. They are hurting my credit and my good name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
This is a joint account held by my deceased husband ( XXXX XXXX XXXX and XXXX XXXX ). 
The original account was through a XXXX XXXX ( XXXX XXXX XXXX ) of XXXXXXXX XXXX 
I was told by the XXXX Banking Commissioner that the was taken over by First Citizens Trust XXXX XXXX XXXX  in XXXX when the XXXX XXXX XXXX XXXX  failed. 
I have also spoken with First Citizen Trust Bank and they are saying they never took over the bank and can not locate our joint account. 
This is frustrating because I need to show proof that this account existed in order to probate the affairs of my late husband and myself. 
The account was opened between the years XXXX. 
I appreciate your prompt response and attention to this matter. 
My husband DOB XXXX and the last four of SSN XXXX. 
My DOB XX/XX/XXXX and the last four of my SSN is XXXX. 
This account was opened in XXXX GA at the XXXX or XXXX XXXX location. 
Thank you in advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: NE

Complaint narrative:
I was a Coinbase customer for months, during which time I transacted tens of thousands in cryptocurrency exchanges, until one day I received a message that I had violated the terms of service and my account was immediately closed. I had no way to appeal this decision, or even learn of what my alleged violation of the terms of service were. Since this immediate severance of my account, I have tried to message Coinbase to learn the reasoning for the termination of my account, and to try and lodge an appeal so that my account could be considered for reinstatement. Instead, my requests for information and appeal of their decision have gone ignored without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/2023 at approximately XXXX XXXX  someone took {$400.00} from my cash app account. I disputed the charge and they closed it within ten minutes and I asked for the documentation they used to make there decision and they sent me a paper with my name and the amount. On multiple dates before this ( and still ongoing ) somebody is trying to take money out of my account but I've been keeping my card locked and then right before I make a purchase I'll unlock it and lock it back right away its a hassle .I ordered a new card, I reset my pin, changed my password, and it's still happening. I want my {$400.00} back I didn't make this charge and that is half of my rent, after reading several reviews it seems to be one of their best practices. They should not even be in business if this is how they are going to protect customers money .I 'm so upset because they can see all the charges that someone is trying to put through still and they still will not listen to me. This is not right what they do im sure this business has made a good chunk of money by taking from customers something needs to b weed done

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2022 a credit card was opened in my name that I never opened. The phone number on my credit report I had never seen before in my life starting with a Kentucky area code ( 859 ). About half a year before this happened my ex had to move back to Kentucky because she had no where to stay and needed to see her mom because her mom was very ill. Its also the same address that appears on my credit report, which again I never lived ever at that residence, which is also in Kentucky XXXX I believe it was my ex because I started getting calls around XXXX about her whereabouts which is also the same time my XXXX XXXX started going down. The purchase amount was XXXX and the financial recovery number has to of called me 8 times since then. I never opened a chase credit card nor spent over a grand on a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-26 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I received a communication from Venmo that I was approved for a credit card on XX/XX/XXXX, but I never applied for the card. I then received an email that I was being shipped a Venmo credit card from Synchrony bank ( XX/XX/XXXX ). My Venmo account does not have a shipping/billing address associated with it, but I do have other cards through Synchrony. I believe that Venmo/Synchrony opened the account against my will and used my shipping information associated with my other accounts in order to send me a card to meet their quota ( the hallmarks of my case are very similar to that of the XXXX XXXX offense several years ago ). I called and was able to close the account so that the card can not be used when it arrives, but I do believe that the strike against my credit score was done without my consent.

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 2023-04-26 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: LA

Complaint narrative:
I've filed a dispute with Tranunion with documents of my complaint with CFPD ( Complaint Id XXXX ) of the debit collocation company admitting to reporting false information on my credit and that they would file to have it removed but have not done so and Tranunion has denied my dispute even with all the needed documentation

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXXXXXX  Account number : XXXX XXXX XXXXXXXX Account number : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.

Company response to consumer: Closed with explanation