vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-28 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: CA

Complaint narrative:
On XXXX I, XXXX XXXX sent a Identity theft report letter regarding inaccurate and unknown things on my credit report. I feel I am being taken advantage of and being ignored. Section 605 ( B ), it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. It has been well over 4 days, so they should be block and deleted promptly. 

I demand these accounts be blocked and deleted immediately or I will file for ligation due to the stress you caused me. My information is also impacted by the Equifax data breach and my have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Installment Loan Account Number : XXXX Reason : This account is reporting inaccurately to my credit reports. This account is reporting to Equifax and XXXX  that this account is open but is reporting to XXXX  that its closed. I ask If this account be deleted ASAP because these mistakes are affecting my credit score and is supposed to be accurately reported to all 3 bureaus. 
I sent in a dispute letter more then 30 days ago and have not received a solution. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( XXXX ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Account Number : XXXX Reason : I was involved in identity theft. This account is not mine and is fraudulent please remove this account ASAP. 

Account Name : XXXX  XXXX  Date Filed : XX/XX/XXXX Type of Account : Auto Lease Account Number : XXXX Reason : This account is reporting inaccurate to my credit report. It reports to only Equifax and XXXX, not XXXX. According to the Fair Credit Reporting Act this account needs to be deleted due to the inaccuracy of not reporting to all three bureaus. 

Account Name : XXXX XXXX  XXXX  Date Filed : XX/XX/XXXX Type of Account : Credit Card Reason : This account is reporting inaccurately to my credit reports. It only reports to Equifax and not XXXX  and XXXX. According to the Fair Credit Reporting Act this account needs to be deleted due to the inaccuracy of not reporting to all three bureaus. 

Account Name : XXXX  XXXX  Date Filed : XX/XX/XXXX Type of Account : Installment Loan Account Number : XXXX Reason : This account is reporting inaccurately to my credit reports. This account is reporting to Equifax and XXXX  that this account is open but is reporting to XXXX  that its closed. I ask If this account be deleted ASAP because these mistakes are affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
In the beginning of XX/XX/XXXX, I was contacted by FCO ( Fair Collections and Outstanding Inc ) over a debt for a townhouse I was renting in XXXX. 

I cosigned a lease with a roommate that was from XXXX XXXX XXXX XXXX. 
Only XX/XX/XXXX, I notified the leasing office that I will be moving out at the end of the lease, while my roommate will continue to stay. On XX/XX/XXXX, the Leasing Office, my roommate and myself, all signed my vacate forms. 
-- -- I requested the debt collector provide verification as well as provide an itemized list of what I owe. What was produced was only an FCO made document outlining debts accrued in XXXX of XXXX. XXXX month after I have already left the property. 

After 3 weeks of attempting to get paper work from the leasing office, I was finally given my vacate form. 

After sending the signed vacate form, I notified the collector that I was not associated with the property during that time, and that my old roommate was the one whos name was associated with the lease at that point. I was informed by the collector that my vacate form is not good enough to show i dont owe the debt. despite correcting her and stating that the responsibility is on FCO to prove I owe the debt, she refused to remove my name from her list. 

I was then told by the agent that since the roommate was not responding to attempts to collect, they are communicating with me instead. This is illegal. 

I again asked them now a second time, to provide all documentation they have of me regarding this situation. What was sent back to me was the initial lease, and the Vacate form that was missing the signature of me, the property manager, and my roommmate. It also did not show the dates it was signed. The document is also supposed to be 2 pages long, and they only managed to display 1 of the 2 pages. This is illegal. 


All information provided by the Collections Agency lacks any evidence or proof I was on the property, associated with the lease for the debts. Infact, upon further review of what little evidence they provided, I sent notice of my leave months ahead of time, and left at the end of my lease. This was confirmed by all parties involved.

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 2021-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TN

Complaint narrative:
I was contacted by AMSHER COLLECTION SERV concerning a " debt '' that I owe. I informed them that I had no idea of what they were talking about. They refused to send any additional information concerning who this supposedly was from, what it was for, when it supposedly occurred, who to even contact. Not I have a collection of {$260.00} on my credit reports and I have no way to get it off because this dishonest company is trying to extort money for debts not owed to remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent several dispute letters trying to get this issue resolve but Equifax continues to verify the information and still inaccurate affecting the accuracy and integrity of my credit profile. After further review it has been determined that their Metro 2 Format is not up to compliance as required to report under the FCRA and not following the required guidelines by the XXXX XXXX XXXX XXXX. 

1. XXXX XXXX XXXX XXXX Dispute sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to Equifax Validation letter sent to XXXX XXXX  for information on this account and they have failed to response Sent on XX/XX/XXXX delivered on XX/XX/XXXX A response was provided on XX/XX/XXXX saying with a summary and saying I must response within 30 days to or they will assume the debt is valid. When it was already being asked for in the first letter sent to them on XX/XX/XXXX. Also got a letter from XXXX and XXXX XXXX XXXX for the same Debt. Which why would two people have this account as a Collection account. 

Have you verified that this company is reporting my full legal name, date of birth and full social security as required in the FCRA and XXXX. 

Account type, account status and portfolio type is inaccurate. Reporting as a credit account which is a violation Deleted this erroneous account immediately Not reporting the original creditor name and creditor classification in the as required under the CDIA K1 segment Field 2 and Field 3 2. BANKRUPTCY XXXX Multiple requests have been sent directly to the third XXXX XXXX XXXX who the credit bureaus state is reporting this account. 

XXXX is unable to provide me with the information that is being reported. 

Letter was also provided directly from the Bankruptcy Court advising that they do not verify information with the credit reporting agencies. So who and where is this information coming from? 

Compliance condition codes Consumer disputes - reinvestigation in progress and has not change for over 30  days which is a clear indication that there that it is unverified This account is unverifiable and must be deleted XXXX. XXXX XXXX Payment history profile is incomplete and missing the actual payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX even after your investigation, therefore the payment rating of 30 days late is unverifiable. Please delete the 30 days late payment on this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent in a letter on XX/XX/2021 about the inaccuracies on my credit report and got no update and it has been well over 30 days! This is stoping me from moving on with my life and causing be Extreme stress! I cant take this anymore, I need the items removed immediately so I can go back to living my life. This stress has landed me in the XXXX many times now I just cant take it anymore!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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:
Account Name : XXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Account Number : XXXX Reason : I was involved in identity theft. This account is not mine and is fraudulent please remove this account ASAP. 

Account Name XXXX XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : Auto Lease Account Number : XXXX Reason : This account is reporting inaccurate to my credit report. It reports to only XXXX and XXXX, not Transunion. According to the Fair Credit Reporting Act this account needs to be deleted due to the inaccuracy of not reporting to all three bureaus. 

Account Name XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Reason : This account is reporting inaccurately to my credit reports. It only reports to XXXX  and not Transunion and XXXX. According to the Fair Credit Reporting Act this account needs to be deleted due to the inaccuracy of not reporting to all three bureaus. 

Account Name XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Installment Loan Account Number : XXXX Reason : This account is reporting inaccurately to my credit reports. This account is reporting to XXXX  and Transunion that this account is open but is reporting to XXXX  that its closed. I ask If this account be deleted ASAP because these mistakes are affecting my credit score.

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 2021-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened a savings promotion with Citi Bank and used a promotion which said that {$400.00} will be credited if i meet the criteria of maintaining a balance of {$15000.00}. Account was opened on XX/XX/2020 and said amount was deposited initially. I used the chat service, and customer care and was told that i met all the conditions and the amount will be credited first on XX/XX/XXXX, then XXXX XXXX and finally they opened the case. I was told that the case will be resolved on XXXX XXXXXXXX, then XXXX XXXX and again on XXXX XXXX. Finally on XXXX XXXX, i was told that case officer checked and mentioned that wrong promotion code has been applied. They are not giving the promised promotion amount and are coming up with false excuses every 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 2021-04-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My rights as a consumer has been violated multiple times over and over and over again by these credit bureaus and corporations. They violated my right under the FDCPA, FCRA and XXXX XXXX XXXX. Failure to investigate these items within XXXX  days gives a reason to immediately remove the items I pointed out in my letters that I sent over XXXX  days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the XXXX data breach. please. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, title XXXX, XXXX Stat. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX XXXX XXXX. XXXX ( FCRA ) I also stated each law you violated on my consumer report inside my letters also. Compensate me for each violation that has been committed under XXXX XXXX XXXX and XXXX XXXX XXXX. Invoice will be attached!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current
State: NJ

Complaint narrative:
On XX/XX/2021, I received a phone call from Current team, same number thats on back of my debit card. The guy XXXX had all my information and informed me there was fraud on my account. He went on to say, my account had been compromised and they would have to send me out a new card. He placed me on hold and not even a min passed before the line disconnected. I went to log into my online banking app and all my money was gone! Transferred into XXXX account in which the names I have never seen before or never even sent money before. I reached out to current support right away but after a week I got no string answers to as in where my money went. XXXX agent by the name of XXXX told me no one ever even escalated the claim and apologized and assured me she would do it same day. After contact with XXXX XXXX received an email a few minutes later saying they didnt find any fraud in transfers and denied me my refund of money. I was confused because to get back to me they told me it takes XXXX business days through email but the same agent that escalated the claim was the same agent that sent email denying my funds. If there are different levels of office I should have been receiving an email from the fraud department not the same current agent XXXX. Something is going on inside the Current team. You dont get proof of investigation, as I have tried to request all documents in decision process. I have been unsuccessful with getting through to them. And the bigger picture is that my account is still out {$3300.00}. That was my stimulus and part of my income tax refund. I dont know what to do. I have contacted the banks and they told me they have nothing to do with the Current banking policies but the bank policies promises protection on deposits up to {$250000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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:
Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX Type of Account : Revolving Account Number : XXXX Reason : I was involved in identity theft. This account is not mine and is fraudulent please remove this account ASAP. 

Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Installment Loan Account Number : XXXX Reason : This account is reporting inaccurate to my credit report. It reports to only XXXX and XXXX, not Transunion. According to the Fair Credit Reporting Act this account needs to be deleted due to the inaccuracy of not reporting to all XXXX  bureaus. 


Account Name XXXX XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : Installment Loan Account Number : XXXX Reason : This account is reporting inaccurately to my credit reports. This account is reporting to XXXX  and Transunion that this account is open but is reporting to XXXX that its closed. I ask If this account be deleted ASAP because these mistakes are affecting my credit score.

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 2021-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
I have written disputes to the credit bureaus and to Arcadia directly because, I do not believe that these accounts are accurately being reported on my credit report. So to clarify the accuracy of the reporting of these accounts I formally requested the following information that is being reported : 1 ) Original Contracts to ensure the accuracy and legitimacy of the date the accounts were opened, account numbers, and terms of the interest and penalties that were originally agreed to.

2 ) Payment History of the accounts for the entire duration of the notes to review the application of payments to their proper destinations 3 ) List of charges and fees especially those assessed after the charge off status on the accounts 4 ) Date of actions taken on these accounts including but not limited to the dates of the charge off status, correspondence sent to me regarding the charge off actions, and collection activities 5 ) List of the Dispute instructions your agency provided to the credit bureaus in response to my disputes to the Credit Reporting Agencies.

Arcadia still has sent me nothing at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MN

Complaint narrative:
I did money transfer through XXXX. When my receiver want to receive the money, XXXX agent told my receiver that the money is not ready. I called XXXX Customer Service and I was told to have my receiver go to the same agent location again to go receive it. When my receiver went for the second time, they wrote on the Receiver Form attached that the money is still not ready. So my receiver called me as she was still at the agent location and I called XXXX Customer Service again. This time, XXXX Customer Service started a claim with XXXX XXXX # - XXXX, and told me to follow up in XXXX business days which fell on today XX/XX/21. When I called today, the XXXX Customer Service agent treated me very disrespectful and refused to help me get my money back. So please I need your help to get my money back, it is for urgent need. 
Please see the attached documents for review. 
Thank you.

Company response to consumer: Closed with monetary relief