vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Funding XX/XX/ {$770.00} I have called and asked this company to provide me proof that I opened this alleged account that was opened under a different company name while I was in bankruptcy and they refuse to provide me any proof. They record me and tell me they are sending me something in the mail and I never receive anything from them but they call me almost daily from fraudulent numbers and do not leave messages, the number always changes and they must own 1000 's of phone numbers because it is always something different. I can provide proof on demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion originally removed XXXX  XXXX from my consumer report, now Im seeing that it has been added back on to my consumer report. I was never notified or provided any information on how this alleged debt was validated. Im lodging a formal complaint for the PERMANENT REMOVAL AND BLOCKING OF ANY AND ALL REPORTING FROM 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 2023-03-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Fraud has been committed on my consumer report ( from XXXXXXXX XXXX  ), which violates the FCRA and FDCPA. 
You are using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO XXXX. $ XXXX. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: GA

Complaint narrative:
I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : XXXX XXXX XXXX # XXXX ACCOUNT NAME : DEPT OF ED/XXXX XXXX # XXXX ACCOUNT NAME : DEPT OF ED/XXXX XXXX # XXXX ACCOUNT NAME : DEPT OF ED/XXXX XXXX # XXXX ACCOUNT NAME : DEPT OF ED/XXXX XXXX # XXXX ACCOUNT NAME : DEPT OF ED/XXXX XXXX # XXXX ACCOUNT NAME : DEPT OF ED/XXXX XXXX # XXXX ACCOUNT NAME : DEPT OF ED/XXXX XXXX # XXXX ACCOUNT NAME : DEPT OF ED/XXXX XXXX # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX # XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX have attached a copy of my ID for identity verification and a bill for address verification.

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 2023-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
This debt collection company inaccurately fraudulently reported on my credit reports. It is saying I made a payment to them in my XXXX when I did not. Its further reflected in my XXXX that these payments never happened. I dont know what is going on and why they are reporting these deceptive claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act My federal protected consumer rights has been violated under section code 15 usc 1681 I would like all inquiries checked and removed from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I have a Mastercard credit card that has rental car protection as benefit. I traveled to XXXX and XXXX XXXX and rented a car. The car upon return had a minor damage for which I was charged {$150.00} extra by XXXX XXXX XXXX. 

I filed claimed to Mastercard on XX/XX/XXXX and sent them with all the required documents. 

I have been following up since last 4 months and every time I call the Mastercard claim department, I get to hear that they are working on the claim. 

The last call I made was on XXXX XX/XX/XXXX and I was told that the claim was expedited and I would hear back in 24-48 hours.

This period of 48 hours is also passed and I did not hear anything from Mastercard in email or phone.

With no options, I would like to file a complaint against Mastercard for not providing the service they have offered while signing up for this Credit Card. 

I can provide more information upon request.

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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
According to the FCRA Rent Recovery Solutions is not the original creditor and purchased my information illegally and must have my written consent to purchase my information witch they did not do Once again i have mailed this company a notarized affidavit ( XXXX XXXX XXXX XXXX XXXX ) with all violations and each carries a {$1000.00} fine, 15 USC 1681B PURMISIPLE PURPOSE ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2023, I received a letter indicating that Truist was closing my accounts per their decision, with no reason given. They indicated that a check for my funds would be mailed to my address after 10 business days.

The bank has not returned my funds, and a followup the the bank provided zero information on my balances or refund status. Additionally, the bank will not let me online access to see that balance in my account balances are accurate and current.

I am hereby requesting the bank provide the following in the next 15 days : 1 ) Current balances of all funds across all accounts being held by the bank 2 ) Statements from the previous month to ensure that no authorized transactions have taken place 3 ) All funds returned to me via check, as indicated in the original letter ; absent that, an accurate, and reasonable date of when they will be sent. 

Please note, banks are not allowed to withhold balance information from their clients. Additionally, failure to provide ALL the above requests, or failure to return my funds in a reasonable time period, will result in me taking IMMEDIATE legal action against the bank to recover all funds, and related expenses incurred.

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 2023-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
INACCURATELY REPORTS AT THE END OF THE LOAN THE ACCOUNT WAS IN ARREARS FOR OVER 120 DAYS. REPORTING AND PAYMENT SCHEDULE NEEDS TO BE UPDATED AND FREE OF ERRORS TO REFLECT AN ONTIME PAYMENT HISTORY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Volvo Car Financial Services U.S., LLC
State: MD

Complaint narrative:
I visited the lender 's website to determine the total payoff amount for my XXXX Volvo XXXX. In addition, called the lender, by telephone and it was confirmed. I also specifically asked about the GAP insurance refund as I am now cancelling due to the car being paid off. They instructed me to contact the dealership for cancellation, which I did. 

The Dealership provided me the form/instruction for cancellation ; I completed and returned to them. I was told I would receive the refund in 6-8 weeks. Upon waiting for 6 - 8 weeks and not receiving any refund, I contacted the dealership to follow-up. 
I was then told that they had sent my refund to the lender, and not to me because the lender requested it. When I called the lender ( Volvo Car Financial ), they told me that they received the requested refund but will not send/forward to me because the refund should've been included in my payoff amount but wasn't. 
So I had two questions which they haven't answered : 1. How did they know how much my refund would be, to pay off the loan if and/when they didn't know I would be paying my car off? 

2. If an amount ( {$900.00} ) is charged/included in my loan for this GAP insurance for X amount of years, I pay the entire loan off early, should I receive the unused portion of the insurance cost, or shouldn't I have received that credit from my payoff balance? 

Neither has been done and they're refusing to give me the {$750.00} due. 

They're stating that the State of Maryland is a " No Refund '' State so I'm not entitled to a refund for services/insurance I didn't use. 

In addition, Volvo Financial Services has never would include the Principal Balance of the loan on my statement ; only the Payoff, which includes interest. I'd requested this information primarily because I always paid extra principle and need to track my balance each month. They said to know that amount each month, I have to call them. 

In a nutshell, I paid, in full, a loan that included {$900.00} for GAP insurance. Now the lender is withholding the unused portion of {$750.00}. So they're keeping money for service I did NOT receive. I need it reimbursed/sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credova Holdings Inc
State: TN

Complaint narrative:
My previous CFPB complaint was closed without any REAL investigation. I provided a FTC identity theft report as well as proof from of my credit reporting displaying inaccurate reporting from this collection company. If the debt is indeed valid, how is that my XXXX report is showing 100 % PAID... meaning NO PAYMENTS MISSED, while XXXX is missing completely, and XXXX has gaps in payment? This company did NOT do their due diligence into investigating my claim. Instead, I was sent a copy and paste letter with demanding sensitive documents such as a driver license ( which I will NOT provide to a company with such blatant disregard for the law. ) They sent me a contract that has a digital signature of my name ( simply written out as " XXXX XXXX '' ) and nothing else showing that this debt is in fact mine. 

I will be making a complaint to my state 's attorney general, XXXX XXXX XXXX as well as Mississippi 's attorney general XXXX XXXX XXXX to assist me with combatting the illegal practices of this collection agency. I will not provide you with my driver license. I have provided you with my FTC report and proof of your tacky and inaccurate reporting. This entire dialogue will be forwarded to any government official who can assist me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hey, I reached out to the debt collector in regards to this collection on my account it was advised they can not remove it. I definitely did not set up an account and this is fraudulent activity.

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 2023-03-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, 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. 

also states a consumer reporting agency can not furnish a account without my written instructions. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo seems to have retracted the payment of my direct deposit from my savings account, now reflecting a negative balance. The discrepency is nored tobe a system wide glutch with no time as to the remediation of lost funds.

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 2023-03-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF ED/XXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF ED/XXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF ED/XXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF ED/XXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF ED/XXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF ED/XXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF ED/XXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF ED/XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # 21 I have attached a copy of my ID for identity verification and a bill for address verification.

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 2023-03-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, 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.

also states a consumer reporting agency can not furnish a account without my written instructions. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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