vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Biehl & Biehl, Inc
State: CA

Complaint narrative:
We received a call on XXXX at XXXX from Biehl and Biehl XXXX from XXXX trying to collect debt. XXXX was advised that our account was out for the day and that she would be in the following day. I took down his information which was XXXX his direct line again his name was XXXX. 

Today XXXX called again XX/XX/11 at XXXX accused the accountant that he spoke with her on XXXX and she said I'm sorry but i was not here that day. He said i was waiting for your return call. Shes stated again i was not here that day, you spoke to the other girl. Okay well when can i receive payment. She asked what account are you calling for. He stated he was with a collection compang for XXXX XXXX. And stated so when can i expect payment. She advised him. Whenever I recieve money in i will be able to make payment. He states when will that be. She stated Im not sure. He then said you know have 13 outstanding bills dated back and your telling me you can not pay them. Again she stated I do not have any money to make a payment right now. When i can I will. He stated when will that be, she said again i dont know exactly when I will be able too. He said again how can you not make a payment, youve known for that last 7 months to make a payment. She stated I understand. He proceed to cut her off and said how do you understand if you are not able to make a payment knowing that you owe. So how do you understand? During this conversation I the XXXXXXXX XXXX was sitting listening to the phone call, Told her to say to please stop calling and only email. That this is her harassment. She advised him to please only email her and to not call again. He stated well what good is that going to do, you have been emailed and you still havent done anything. So I Assistant manager took over the phone call and advised him to only email us and to not call again it is against the law to for you to contact us via phone again, i will report it to the FCRA, He then stated what good will that do. Nothing ever comes out of it. So when will you make payment, I advised him again to not call and only contact us via email. He again said, so when will make payment. We already told you we dont have the money right now and we will when we can. Again he stated when will that be, i said please and he cut me off and again when will you make a payment. I tried to talk again and he kept cutting off. i tired to talk, could not get a word in i said this is harrassment and he kept talking and I hung up the phone. Guess what he called again at XXXX. After I had already advised him to not call. Violating rights. My parts guys answered the phone. I hung it up. I will not be talked to the way he did to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: DE

Complaint narrative:
On the XXXX XXXX XXXX I was a victim of the credit data breach and I was neither told nor was I alerted on this problem by Equafax. I found out only after I had checked the site for my credit the company gave me the number of XXXX I would like all the information listed on my credit report taken off immediately. Can you correct the problems listed below. 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 Can you please have theses items taken off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I called in to dispute transactions of fraud on my account. The representative filed the first one in the amount of {$5600.00} and when she was done, she found more of the same transactions to dispute in the amount of XXXX dollars. I sent in a police report and was promptly denied and was not given a clear reason. Then I asked for a second look on XX/XX/2023, and within the next two days I received a credit of XXXX dollars, and they were still investigating the XXXXdollar dispute. I thought it was funny how they paid one so quick and not the other. I waited and on XX/XX/2023, I was denied because they said I participated in the scam. I don't think they are acting in good faith. I would think if I participated in it then they would not have paid either of the claims.

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 2024-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation
State: FL

Complaint narrative:
On XX/XX/2022, I fell which resulted in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to my XXXX  arm. An ambulance brought me to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas XXXX. When I arrived at the ER, I was immediately rushed to a private hospital room. After some time had passed, a hospital staff member came in to obtain my signature ( s ) on the usual required documentation, and to verify my insurance coverage ( XXXX XXXX XXXX ( XXXX ) ). I stated to him that I wanted to read the documents before I signed them, he suggested, I will read them to you then a heated discussion ensued about his unconventional method of practice. Eventually, he got frustrated with me, and unseemly decided to leave. He did not return to gather the appropriate information needed to bill the insurance company, and to this day I have not read, received, or signed any document for services rendered. Just recently, I discovered XXXX has this visit listed as an outstanding medical debt in the amount of {$5500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request Experian remove inaccurate and outdated data from my consumer report, Address at XXXX XXXX XXXX XXXX  FL XXXX. I recently obtained a copy of my report from your company and was concerned that several errors require your attention. Delete Fraudulent inquiries 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. I request that you remove this inaccurate data from my report as soon as possible. Please make the necessary corrections to my report ASAP. 15 USC XXXX Permissible purpose of consumer reports1681b. 15 u.s.c. 1681a and 15 USC 1681. 15 USC 1692 K and 15 USC 1640 Civil liability.15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. Please Delete false information from my consumer report immediately!

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 2024-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
LVNV FUNDING LLC doesnt have the right to collect debt in the state of michigan as per Michigan Compiled Laws MCL specifially MCL445.252 it is unlawful for a collection agency to engage in debt collection activites without proper licensure in the state.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX I applied for a PayPal Credit Card. I was denied because Synchrony Bank claimed that I had a previous PayPal Credit card that was not paid as agreed. This is a false statement because my previous experience with Pay Pal Credit was covered by the CFPB lawsuit : PayPal to Refund {$15.00} Million to Consumers and Pay {$10.00} Million Fine XXXX  , D.C. Today the Consumer Financial Protection Bureau ( CFPB ) filed a complaint and proposed consent order in federal court against PayPal , Inc. for illegally signing up consumers for its online credit product, PayPal Credit, formerly known as Bill Me Later. The CFPB alleges that PayPal deceptively advertised promotional benefits that it failed to honor, signed consumers up for credit without their permission, made them use PayPal Credit instead of their preferred payment method, and then mishandled billing disputes. Under the proposed order, PayPal would pay {$15.00} million in consumer redress and a {$10.00} million penalty, and it would be required to improve its disclosures and procedures.

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 2024-01-11 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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX 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 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2024-01-11 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I have an inaccurate account on my credit report and i used the XXXX credit agency to right the wrong and provide me with proof of said account or have it removed and neither was done. Please provide me with all proof of accounts. Thanks

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 2024-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act ( ex : XXXX Account # XXXX violated my rights. 
**Please update the payment history with these accounts on file** In accordance with the Fair Credit Reporting act ( ex : XXXX XXXX Account # XXXX violated my rights. 
**Please update the payment history with these accounts on file** 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for any reason.

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 2024-01-11 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:
In accordance with the Fair Credit Reporting act ( ex : XXXX Account # XXXX violated my rights. 
**Please update the payment history with these accounts on file** In accordance with the Fair Credit Reporting act ( ex : XXXX XXXXXXXX Account # XXXX violated my rights. 
**Please update the payment history with these accounts on file** 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I, XXXX XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter XXXX  DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.

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 2024-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
While I was XXXX  in XXXX ( XXXX XXXX ) my debit card was stolen & used XXXX  times, XX/XX/XXXX- {$400.00} & {$990.00}, XX/XX/XXXX - {$60.00}. I submitted a fraud claim to Wells Fargo. On XX/XX/XXXX, they temporarily credited my bank acct for {$1300.00}. Then on XX/XX/XXXX, Wells Fargo took the money back out of my acct & refuse to reimburse me for it. Wells Fargo insists, even though I was XXXX, that I left the XXXX  XXXX, used my debit card ( which I did not have ) at the stores, then I returned to my XXXX  XXXX  room. This I was told by Wells Fargo yesterday, XX/XX/XXXX. None of what Wells Fargo stated makes any sense. I gave Wells Fargo a letter from my doctor verifying my XXXX. I'm finding out that Wells Fargo does very little investigations at all. On XX/XX/1923 Wells Fargo sent me, by email, a male customer 's claim decision. They had denied his claim exactly the way they denied mine. I now have this man 's name & am trying to find him. I feel this is violation of this man 's confidentiality by Wells Fargo & very sloppy work by Wells Fargo Claims dept, sending me another person 's claim resolution. I don't know if you can do anything, but I would simply like my y {$1300.00} reinstated to my bank acct. Otherwise I must file for Arbitration & file a case in small claims court. Thank you very much. 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 2024-01-11 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: FL

Complaint narrative:
An account was open fraudulently in my name. Account is not mine. Law enforcement was

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: LA

Complaint narrative:
XXXX XXXX have the wrong date opened inaccurate information... Inquiries inaccurate I GIve XXXX XXXX permission to pull my credit not all them other car loans companies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA, Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX account 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 that 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 non-monetary relief
Consumer complaint received 2024-01-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting actXXXX XXXX account 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 that a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed 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 2024-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA, Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation