vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: AA Recovery Solutions, Inc.
State: WI

Complaint narrative:
I requested proof of debt. I was sent a letter from the company saying what I owed and the original company name, not a copy of the contract. They also threatened to sue me for the following : Due to delinquency in repaying the amount you owe ; we are going to file this case at your district courthouse. You will be served with a subpoena to appear at your district courthouse in next 3 business days. 

XXXX XXXX XXXX XXXX HAS STATED FOLLOWING ALLEGATIONS AGAINST YOU AS BELOW : ( 1 ) Violation of Federal Banking Regulation ( 2 ) Collateral Check Fraud ( 3 ) Theft by Deception They also contacted several people in one day stating they are coming to my house or place of employment.

To include a minor child was left this information.

I was not informed that the debt was moved to a debt collector. The debt collector contacted me two years after the last communication from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Please see initial complaint XXXX for initial details. 

You informed me that you have the companies reply to my first complaint letter and closed the case. 

However, I do not feel that their reply to my complaint was accurate and did not address an important concern I documented. 

I have attached my additional reply/complaint related to M & T bank for your review which supports my contention that M & T bank did not adequately perform their duty to protect me from fraud.

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I filed a dispute with Experian as to their investigation process for verifying and validating account ownership after I paid an account that I didn't own because Experian refused to remove the account from my credit report. Experian kept telling me that the account was verified as belonging to me while forgetting to tell me that Experian as a corporation receives monetary compensation for the information reporting to my report. After I paid the account, it reappeared on my credit report with a different company than before claiming ownership. I refused to be extorted again and I disputed this account with Experian, and they told me that the account was verified, which is impossible. On XX/XX/2023 I received an email from Experian saying my dispute results from a previous complaint i filed. 


I hit the link to go straight to Experian 's website and I was unable to see the dispute results as I was Instructed. I contacted Experian by phone, and they refused to give me a copy of the complaint report or give me access online to see the results. Instead, Experian told me they can only read me the results of the report and could not give me anything in writing. The report is evidence that Experian, never investigated the validity of the account, compromised my non personal information, profited off of the furnishing of accounts on my credit report and personal information that never belonged to me.

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 2023-11-13 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:
This is my second time making a complaint about Bank Of America. 

Can someone look at the previous complaint it is all the same exact informtion. Today a Bank of America associate called me about my case stating that it was imnpossible for me to be in the situation that I am in. She adivised me that my story was not authentic. She kept referring to things that happen in the past and not that occured on the exact day and time that this incident took place. I would like some one to look thru my case and actually resolved this matter instead of just skimming thru this case. 

PREVIOUS CASE COMPLAINT ID 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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: TX

Complaint narrative:
Flagship Credit Acceptance has an account showing on my consumer report showing that it in charge off status. I requested that the account be removed from my consumer report because I never received a 1099C. The charge off account should not be listed on my consumer report as a collection because it is in charge off status. This is a violation of my consumer rights. I received a letter from XXXX XXXX from Flagship Credit Acceptance stating that they have not violated any laws. We entered into an open end consumer credit contract on XX/XX/2015. Flagship purchased my contract from another company which is a direct violation of the National Banking Act of 1863 section 28 second clause. I have been intentionally harmed by the incorrect reporting of this account and have been hindered in further extending my credit.

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 2023-11-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IN

Complaint narrative:
I have been paying $ XXXX for many years. I never received an initial communication. I only revived many harassing phone calls threatening legal action. I want proof that this is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accscient, LLC
State: IL

Complaint narrative:
I learned yesterday, XXXX that I had a delinquency notice against my credit report. Upon reaching out to the debt collector, I learned that they never sent me proof of the debt owed, despite being requested on or about XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion is reporting incorrect 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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 

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 a account without my written instructions. 

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

the credit bureaus failed to do a proper investigation.I still haven't received notice of investigation listed at my proper address 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I got an email from XXXX on ( XX/XX/23 ) welcoming me. I initially thought it was just spam. Then I received a notification on my XXXX credit file about an inquiry from comenity XXXX Thankfully, I pay for a fraud service through XXXX. They assisted me in the cancelation of the application. However, I want to make a formal complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Someone used my Information to open a Carloan with Santander some years ago Ive been going back and forth with them and the Credit Bureaus showing this isnt me and they are still saying its me and keeping this on my Credit report Ive never purchased a car though them nor have I allowed anyone else to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Credit 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: Netspend Corporation
State: AZ

Complaint narrative:
From XXXX of XXXX until XXXX of XXXX there was a charge on my Netspend card for {$21.00} from XXXX fitness that I did not authorize. I was unaware of this charge because I didn't have any way to review the charges, I was without access to internet or electronic devices from XX/XX/XXXX until XX/XX/XXXX. XXXX my son was killed, around XXXX when I returned to work, was when I started going through my affairs and saw the charge. I contacted both EOS fitness, who advised there was nothing they could do, and to contact my bank. I reached out to Netspend and placed the charges in dispute. My dispute was denied due to not being able to recognize the charges ahead of time.

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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 a 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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Braviant Holdings, LLC
State: SC

Complaint narrative:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX whose reporting a collection amount of {$2000.00}. This collection agency is performing unfair practices, in which this keeps the account reporting as open/ current and does not display a closing date on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section XXXX of title XXXX Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Around XXXX  I went to court on behalf of a friend who was incarcerated while getting an evicted out of their apartment. Ever since I went to court on his behalf, and helped him when his case, this credit for XXXX is on my credit report. 

I have contacted the lawyers handling this case many different times, and they have not agreed to dispute it. I have attempted to reach out because it is not my personal debt and they refuse to acknowledge that its not my debt. 

The account is over XXXX XXXX XXXX and the creditor just re added to my credit report the beginning of this year so I can effect my account for another XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S, C 1681 section 602 A. States I have right to privacy, 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
I do not have any business, agreements, contracts, or any legal bindings with this company. I have never provided this company with any application or personal information. The company 's response states the application was completed as XXXX XXXX, which is false and incorrect. Please furnish the wet ink for my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Auto Credit of Virginia Inc.
State: WA

Complaint narrative:
As per Complaint XXXX. I Informed them to stop all communications in regards to a debt that does not belong to me. And yet, they sent another email threatening legal action if the debt is not paid. I have never received anything to confirm that this debt was mine in the first place, and years ago They used the same scare tactics and threats to get me to sign something I did not believe belong to me. Nothing to confirm my signature agreeing to the said " XXXX XXXX ''. There was no contact in 2020 for them to close out the account and start a new one. Please see screenshots that show they still have the account listed as a car loan on my credit.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I tried to send the funds to my nephew in XXXX XXXX, via Paypal on XX/XX/XXXX ( transaction ID XXXX ). I had no problems sending money via paypal in XXXX years and using my bank account. This time, the PayPal system required that I log on to my bank account and that failed three times when PayPal would redirect me to log in. However, I could log onto my bank account using a different browser. I called PayPal and they said there was nothing I could do and it was my bank 's problem. I called my bank and was told that this was a PayPal problem. This had never happened before in over XXXX years. PayPal had never directed me to log into my account from their site. I ended up adding my debit card that is tied to the same bank account that is on record for my PayPal account. The transaction went through. However, I was now required to pay {$11.00} in fees to send {$200.00} to a XXXX account. If the money had been just deducted from my bank account as usual without using the debt card, the same transaction would have cost {$4.00}. I complained to PayPal and they have done nothing and refused to refund the difference. I feel like they redirect customers to log into their bank account so that when that fails, customers are forced to use debit cards for them to generate higher fees. For over XXXX years with PayPal, there was never direction to log onto bank accounts from the PayPal site and the fees were reasonable. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
My Equifax report was mixed with someone else. There are multiple versions of their name showing up on my credit report. Additionally, there was an auto loan that I disputed. I have never used the name showing on my credit report, nor is it me. I disputed and they removed it from my current report, but now it is on all previous reports & may show as an alias.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : 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 non-monetary relief