vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-25 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: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX | XXXX never authorized these inquiries. 

XXXX XXXX XXXX XXXX XXXX | XXXX never authorized these inquiries. 

XXXX XXXX XXXX XXXX never authorized these inquiries. 

XXXX XXXX | XXXX never authorized these inquiries. 

XXXX XXXXXXXX XXXX  | XXXX never authorized these inquiries. 

XXXX XXXX | XXXX never authorized these inquiries. 

XXXX XXXX XXXX XXXX | XXXX never authorized these inquiries. 

XXXX XXXX XXXX XXXX XXXX never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

XXXX XXXX XXXX XX/XX/XXXX I never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon.

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 2020-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
A debt validation letter was sent to NAVY FEDERAL CREDIT UNION with regard to a credit card debt in the amount of XXXX on XX/XX/2020 asking for documentation to validate the debt. What was sent to me was just a statement not a invoice of actual accounting, along with a statement stating that after there investigation that the debt was shown valid and that i needed to talk to the credit agencies about this matter. upon looking at my credit report it was observed a statement on this account that states " Account closed by credit grantor, account previously in dispute, now resolved by data furnisher ''. an investigation was not requested only the correct documentation with regard to this debt to prove that there is an actual contract and if full disclosure was granted to me upon signing of any credit agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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:
My Name is XXXX XXXX XXXX living in XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX, my phone number is:XXXX. Today XX/XX/2020 Mr. XXXX XXXX did hack to my Bank Of America checking account to withdrawn amount of {$880000.00} USD. My bank customer fraud department called me on that time to confirm that Mr. XXXX XXXX try to get money out on chechecking account. She did question that to me and I did said I did not allow he to withdraw any money from my checking. I do not have much money on that checking. She did recommend me to close this account and open another account. This is Mr. XXXX XXXX information below : *- Driver License number : XXXX State of Florida , issued :XXXX expireres :XXXX. Address:XXXX  XXXX XXXX, XXXX , FL . XXXX. Tel : ( XXXX ) XXXX.US Passport number:XXXX. 
Please to help me to stop him did hacked to my account and another peoples. 
Thank you very much. Please let me know or have any question regarding above that.

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 2020-10-25 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: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX | XXXXI never authorized these inquiries. 

US SM BUS ADMIN ODA | XXXXI never authorized these inquiries. 

XXXX XXXX XXXX XXXXI never authorized these inquiries. 

XXXX XXXX | XX/XX/XXXXXXXXI never authorized these inquiries. 

XXXX XXXX XXXX | XXXXI never authorized these inquiries. 

XXXX XXXX | XXXXI never authorized these inquiries. 

XXXX XXXX XXXX XXXX | XXXXI never authorized these inquiries. 

XXXX XXXX XXXX XXXX XXXXI never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

XXXX XXXX XXXX XX/XX/XXXX I never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon.

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 2020-10-25 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: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX | XXXXI never authorized these inquiries. 

US SM BUS ADMIN ODA | XXXXI never authorized these inquiries. 

XXXX XXXX XXXX XXXXI never authorized these inquiries. 

XXXX XXXX  | XXXXI never authorized these inquiries. 

XXXX XXXX XXXX | XXXXI never authorized these inquiries. 

XXXX XXXX | XXXXI never authorized these inquiries. 

XXXX  XXXX XXXX XXXX | XXXXI never authorized these inquiries. 

XXXX XXXX XXXX XXXX XXXXI never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

XXXX XXXX XXXX XX/XX/XXXX I never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: OH

Complaint narrative:
This is my third attempt and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : US DEPT OF EDUCATION XXXX # XXXX XXXX XXXX XXXX # XXXX 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 2020-10-25 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: OH

Complaint narrative:
This is my third attempt and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : US DEPT OF EDUCATION XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: FL

Complaint narrative:
DEPT OF ED/XXXX Last reported XX/XX/2020 {$37000.00} Reported balance DEPT OF ED/XXXX  Last reported XX/XX/2020 {$31000.00} Reported balance these accounts belong to someone else

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 2020-10-25 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: FL

Complaint narrative:
DEPT OF ED/XXXX Last reported XX/XX/2020 {$37000.00} Reported balance DEPT OF ED/XXXX Last reported XX/XX/2020 {$31000.00} Reported balance these accounts belong to someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I have tried repeatedly to contact this company, I've constantly got transferred amongst agents that still couldn't assist me with the information I was inquiring about. This account is unfamiliar to me and I have disputed this account a numerous amount of times from all reporting agencies! This company has tarnished my credit due to an unrecognizable account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XX/XX/2020 I placed an order for a new XXXX with XXXX. During the checkout process I was offered an XXXX XXXX XXXX for interest free financing. I decided to apply for this card during the purchase. I began the process on my personal phone ( but purchasing for my wife ) but during the trade in process, it seemed to want to trade MY device, not my wifes. To make this process easier, I switched to my wifes phone to complete the purchase and apply for the XXXX XXXX XXXX. I put all of MY information, had to send in pictures of MY drivers license, proved MY phone number, MY social security number, and Goldman Sachs ran MY credit. Nowhere during this entire process did it mention that I need to use MY device so it is linked to my XXXX ID and phone. After the purchase I noticed I could not add the card to my phone. I contacted Goldman Sachs who told me I was unable to add MY card to MY phone. It will forever only be accessible via the physical card or my wifes phone. They are not able to switch the email associated with the account! So now I have a credit card with a financing agreement in place for TWO YEARS before I can close the credit card, but I cant even see my bill for my credit card which reports to my credit report on my phone. Apparently there isnt any way to even pay your bill outside of the linked XXXX ID. How can this be legal? How is this right? What if I had used a public phone to complete the purchase without any warning from XXXX or Goldman Sachs that any random person would have full access to my credit card and account info, but not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I never received the documents to get my fair share of a resolution to the charges on my account. XXXX and {$49.00} to virtual downloads that did not work from XXXX XXXX. 
I was denied by PNC bank the never mailed me out any forms to fill out during the second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
DISPUTED DEBT VIA CERTIFED MAIL ON XX/XX/2020 FAILED TO ADDRESS VALIDATION OF ALLEGED DEBT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: PA

Complaint narrative:
This isnt my account and transunion is allowing this company to raise an increase of {$250.00} weekly. I dont own this account and its being reporting weekly on my account as late by {$1000.00} a month.

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 2020-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have disputed this account multiple times with Equifax, the last dispute was over 30 days and with that being said I have the legal right to ask that this account be deleted from all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have filed a suit against XXXX for leaking my personal information in their XX/XX/XXXX security breach, as they did not take the necessary steps to protect my personal information. You may view legal information about this data breach on the official website : XX/XX/XXXX XXXX My lawyer has advised me to contact the Federal Trade Commission to file a legal complaint against your company, as your company is currently reporting information to my credit report that is false and a direct result of identity theft due to the XX/XX/XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: NV

Complaint narrative:
CREDITOR : SECURITY CREDIT SERVICES ORIGINAL : XXXX XXXX AMOUNTS REPORTED : {$2100.00} & {$450.00} UPDATED AS OFXX/XX/2020 VIA XXXX XXXX XXXX I am a victim of identity theft. I have a n extended fraud alert with all three bureaus, and per federal law a creditor must call the number listed on the alert prior to obtaining or extending credit. This is a clear violation of 609, I request these accounts ( among others ) be deleted immediately before I'm forced to seek legal recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
I have filed a suit against XXXX  as they did not take the necessary steps to protect my personal information. You may view legal information about this data breach on the official website : https : XXXX My lawyer has advised me to contact the Federal Trade Commission to file a legal complaint against your company, as your company is currently reporting information to my credit report that is false and a direct result of identity theft due to the XXXX data breach. 

XXXX is currently reporting fraudulent accounts to my credit file, these accounts were a direct result of Identity theft and should not be apart of my credit. 

The following accounts should not be apart of my credit file. 
1.XXXX  XXXX {$330.00} 2.IQ Data {$9300.00} 3.XXXXXXXX XXXX   {$820.00} 4.XXXX {$6000.00} 5.XXXX  XXXX  6.XXXX XXXX {$6900.00} 7.XXXX XXXX  {$170.00} 8.XXXX {$430.00} 9.XXXX  XXXX  {$370.00} 10.XXXXXXXX XXXX 11.XXXX XXXX 12.XXXX XXXX  {$4000.00} 13.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX This account is not mine. This account is fraudulent. I have never had a loan with this company. 

Experian is not reporting and doing a proper investigation. They have not shown me proof of this account to be mine. They will not send how they came to the conclusion. They will not say who they talk too. They are relying on computer generated answers. They are not showing any proof.

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 2020-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern, one of the Major Credit Bureaus Equifax exposed the personal data of over 147 million individuals. The personal information exposed included consumers names, date of birth, socials, address, drivers licenses numbers, along with other personal information. Unfortunately, I was one of the 147 million individuals. As a result of this data breach I have become a victim of Identity Theft, my personal information has been used to open several accounts against my knowledge. This has affected me mentally as well as financially as this has caused my overall credit worthiness and credit score to suffer greatly. 

I am currently in an ongoing court case ; I have filed a suit against Equifax as they did not take the necessary steps to protect my personal information. You may view legal information about this data breach on the official website : XXXX  : XXXX My lawyer has advised me to contact the Federal Trade Commission to file a legal complaint against your company, as your company is currently reporting information to my credit report that is false and a direct result of identity theft due to the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/2020 I had a total of {$78.00} in my checking and {$230.00} in my savings account through Chime Bank. A person named XXXX XXXX hacked or got into my account somehow and transferred the {$230.00} out to my savings and sent herself {$190.00} transfer. I havent received my {$190.00} dispute nor have I received the other money thats missing because I now have a negative checking balance but when the person transferred over the {$230.00} the balance should have read {$310.00}. If the person took {$190.00} of {$310.00} total wheres the other money? Chime bank states they arent sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
Sent {$260.00} to a client for cash app and misspelled name and sent by accident cash app will not help get a refund and the person keeps denying my refund and wont send it back

Company response to consumer: Closed with explanation