vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-10 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I recently reviewed a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : XXXX # XXXX ( 2 times ), American Express # XXXX, XXXX XXXX XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX/ XXXX  # XXXX, XXXX/XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX ( 2 times ), XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX  /XXXX  XXXX  XXXX XXXX XXXX, XXXX/XXXX  # XXXX, XXXX XXXX  XXXX XXXX XXXX. 

Please Delete incorrect names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Please Delete Address that does not belong to me : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX 1944 XXXX XXXX XXXX. XXXX  XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Ohio XXXX Please Delete Telephone numbers that does not belong to me : ( 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 This is my number ( XXXX ) XXXX UNKNOWN INQUIRIES : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CARD, 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 2020-12-10 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Hi, I have XXXX credit card for which i pay monthly payments thru automated pay. I was never late for the payment. For the last payment, my automated payment stopped and i never received any invoice to pay the remaining balance. As i never received any bill, i never paid the balance of {$160.00}. I paid entire balance when they called me. But by this time it was reported to credit bureau. I disputed thru XXXX  but they have not removed the delinquent payment record from my credit reporting. This is negatively impacting my credit score and having difficulty in refinancing my home. 

Bank : COMENITYCAPITAL/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10 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:
XXXX I downloaded the Experian credit app and notified my credit was significantly different from my other two reporting agencies. After further investigation, I noticed there was an open account for a loan for the amount of {$5000.00} open in XXXX of XXXX. I have never applied for the loan nor have I ever been made aware of this loan. All of my loans I have taken out for college have been through XXXX XXXX and have been paid on time 100 % of the time. I also noticed that my credit score recently went down 121 points due to the account being 180 days delinquent. I have tried disputing this through Experian and have not had any luck. Theres no phone number to reach this company at, or I would have called to try and dispute on my own. As stated before, I never applied for this loan and have never received a notice that I have ever taken out this loan.

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 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX, EQUIFAX, AND XXXX  WILL NOT REMOVE THIS BANKRUPTCY!!! PLEASE REMOVE INACCURATE INFORMATION!!! THANK YOU! IT HAS RUINED MY LIFE! I NEED TO BUY A HOUSE, THANKS!! 

CHAPTER XXXX BANKRUPTCY - US BANKRUPTCY COURT XX/XX/2013

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX, XXXX, AND EXPERIAN WILL NOT REMOVE THIS BANKRUPTCY!!! PLEASE REMOVE INACCURATE INFORMATION!!! THANK YOU! IT HAS RUINED MY LIFE! I NEED TO BUY A HOUSE, THANKS!! 

CHAPTER XXXX BANKRUPTCY - US BANKRUPTCY COURT XX/XX/2013

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 2020-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: MD

Complaint narrative:
Around XX/XX/XXXX I received a letter from Dynamic Recovery Solutions dated XX/XX/XXXX. The letter states there client XXXX XXXX XXXX has purchased my debt from XXXX XXXX  and they are attempting to collect it for them. The debt amount is for {$1000.00}. On XX/XX/XXXX I responded with a letter requesting more information about this debt including receipts that where already paid towards the debt. The tracking shows this was received by Dynamic Recovery on XX/XX/XXXX. USPS # XXXX. On letter dated XX/XX/XXXX Dynamic Recovery responded with a Word document showing amount owed and no proof of any previous payments. On XX/XX/XXXX I responded to Dynamic recovery with a copy of the receipt to XXXX XXXX  showing account was paid in full on XX/XX/XXXX. I requested Dynamic recovery to notify all parties that this debt is paid in full and requested to end all communication with myself. USPS # XXXX. On letter dated XX/XX/XXXX, Dynamic Recovery sent another letter. This letter was similar to the original letter. Dynamic Recovery never acknowledges receiving the copy of the receipt showing paid in full. Dynamic Recovery is again currently trying to say if I don't acknowledge this debt within 30 days of the date then they assume its valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10 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: AFNI INC.
State: IL

Complaint narrative:
I XXXX  XXXX  receive negative information on my credit report that adversely affected me from getting a home loan.This company Afni inc has filed a delinquent account with the 3 credit bureaus under my social security number for an account that is not related to me. This posted on my credit report as of XXXX XXXX. I followed up with a dispute letter an later an validation letter no response. So on XX/XX/2020 I resubmitted an validation letter and on XX/XX/2020 my credit report was updated and reported as previously in dispute - now resolved by subscriber. I have never heard of this company before nor had an account with them. This company has never reached out too me about this account or sent out any documentation about this item. I am looking for a swift resolution of removal from my credit file to continue the home loan process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/2020, Cash App transferred funds that I never approved. These messages were taken from their app : Cash App : XXXX XXXX requested {$350.00}. Open Cash App to approve or decline Cash App : Please verify your identify by visiting Cash Support using your Cash App Cash App : For your protection, your {$350.00} payment to XXXX XXXX was refunded. {$350.00} has been returned to your bank account and will be available Thursday. 
Cash App : For your protection, your {$350.00} payment to XXXX XXXX was refunded. {$350.00} has been returned to your bank account and will be available Thursday. 
Cash App : XXXX XXXX requested {$350.00}. Open Cash App to approve or decline Cash App : XXXX XXXX just accepted the {$350.00} payment you sent today I never verified my identity with Cash App. And I did not approve either request for {$350.00}. Beyond that, XXXX XXXX is not a real person, that is an alias for a person running a scam to sell puppies. So, XXXX XXXX should not have been able to validate in their system. Unless Cash App has people within their company aiding and abetting illicit activities. Cash App provided documentation to my debit card company that the transfer of cash was from me to me. That literally makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The credit reporting agencies deleted incorrect and/or incomplete information, only to recently report the erroneous data again. The credit bureaus service failed to report deleted negative incorrect accounts in all three credit reporting agencies.

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 2020-12-10 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:
On XX/XX/2020I sent a letter certified mail to the targeted company stating there is a number of 'alleged ' student loans listed on my credit report and I do not recognize any of them and am requesting that are deleted per FCRA 623. For which they have been directly negatively effecting me and are starting to cause damages to my life.

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 2020-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monarch Recovery Holdings, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: FinCo Services Inc DBA Current
State: MO

Complaint narrative:
XX/XX/2020 for XXXX to XXXX. XXXX was not authorized nor would release my payment. Had to file a dispute with current bank app. The issue was supposed to be resolved in 90 days however they just keep telling me there is no update. 

Also if you have direct deposit, pay for XXXX premium member and it is at least 500 a month you are supposed to get XXXX overdraft. I exceeded their requirements and they say I dont qualify for that and will not tell me why but their terms state all you need is the above I listed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Notice of Rebuttal XX/XX/2020 On XX/XX/2020 Ive received a piece of communication from American Express, claiming that the billing dispute with XXXX for the amount of {$250.00} was resolved. In that message merchant provided a copy of the same receipt they had provided previously, on top of that theyve had included some new manually written comments, but a part of that they didnt provide any other new documents, while Ive previously submitted copy of the billing statement from XXXX Visa and a copy of digital receipt from XXXX XXXX  all of these could be found attached and are already saved on file. When Ive requested the dispute to be appealed and processed again it was opened and closed the same day. 
I dont agree with the outcome of the investigation, I dont feel that the documents submitted by me and therefore the whole billing dispute was processed accordingly and request the appeal by the higher office of American Express and looking forward inquiry be sent back in to dispute. Please, consider document previously and currently attached and credit back {$250.00} back to my XXXX account. 
Kind regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-10 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$6800.00}, {$33000.00}, {$12000.00}, {$16000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$33000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- XXXX ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my 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 explanation
Consumer complaint received 2020-12-10 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$6800.00}, {$33000.00}, {$12000.00}, {$16000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received onXX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$33000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- XXXX ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my 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 explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I, XXXX XXXX XXXX, an avid consumer that knows my rights. Nowhere in Title 15 chapter 41 does it ever once mention the term borrower only referring to credit sales as consumer credit transactions. Every agreement I entered was a consumer credit transaction, in which I originated credit to said person for them to extend the credit back to myself. First these crooks have sent me bills without my consent, a violation pursuant to 15 USC 1692c ( a ), There's no time convenient for me to receive any deceptive means used by a debt collector to collect any debt, Pursuant 15 USC 1692e ( 10 ). I've disputed only with the firms on these alleged debts and each time the company has came back with false verifications. In the correspondence letters I've found numerous FDCPA violations ; 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15USC 1692d ( 2 ), 15 USC 1692j ( A ), 15USC 1692e ( 10 ), 15 USC 1692c ( a ) ( 1 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 2 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
To my surprise, I noticed the CCS credit collection agency ( https : //www.ccsusa.com ) showing up in my credit reports for XXXX and XXXX. I sent certified email to CCS requesting them to validate that debt and they are not able to do so. I disputed this incorrect info with XXXX and XXXX. They didn't remove the information from its reporting. I contacted them and they said it is verified. How can credit reporting agency verify it if CCS collection itself is not able to validate that debt belongs to me? I have made every attempt to resolve this at my end but it is going no where. I am attaching the certified mail receipt and letter sent out.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
This issue happened around the COVID crisis my balance on my Best Buy citi Visa card was under my credit limit amount which was XXXX, budget rental car charged my card XXXX and Best Buy let it go through. Now my limit is no where near that. I have had my card since 2019 no late payments no issues, but citi is tarnishing my credit for something that is not mine. They put in a fraud dispute, but it was not fraud, they should have put it in as a balance issue.than they closed my account and I look at my credit report and they put it on as I owe them XXXX. Just the way they did everything I made a payment they took it disputed my claim than closed my account than just threw it on 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