vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-10 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act ( FCRA ). My rights are been violated FCRA 15 U.S.C 1581 section 602 ( a ) 3-4, ( b ). ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 

I am writing to have you remove account Number : XXXX Company : XXXX. 

I am writing to have you remove account Number : XXXX. Due to Inaccurate payment XXXX XXXX XXXX Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX  Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX XXXX Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX  Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX Account Number : XXXX I am not the owner and never received a bill for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Lvnv funding llc deleted this account my credit report Last year bc it was not mine. I checked my credit report last month and its back on there. I have asked for original paperwork with signature. They will not provider that to me. They have sent me some off credit card statements etc. This company has broke all kind of laws. 

I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: SC

Complaint narrative:
XXXX  account is being reported although I have advised Experian this is a fraudulent account that are being listed. I have also filed an FTC report on behalf of the XXXX  accounts listed on my report. 

XXXX XXXX ( XXXX XXXX ) is also still being listed on my XXXX although I have disputed this information several times as a fraudulent account. 

XXXX  Account numbers : XXXX, XXXX XXXX XXXX  Account Number : 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 2022-07-10 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: VA

Complaint narrative:
Requested credit reporting to investigate account on my report and they did not notify me of investigation results. I sent letters on XX/XX/XXXX and again XX/XX/XXXX and again on XX/XX/XXXX. Transunion sent me a letter about my identification and I sent that in again and still no response. I also reached out to the company listed on my report and got no response into XXXX and with that they violated my hippa and still did not verified that the account in fact was mine. I sent another letter to the credit bureaus and still no response.

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 2022-07-10 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: NC

Complaint narrative:
I did not open a XXXX XXXX credit card on XX/XX/2021. I did not use, authorize, or consent to my information being used to open this account.XXXX, transunion, XXXX have not removed it from my report. XXXX XXXX XXXX has not responded to my inquires about this account. I want this removed from all XXXX of my credit reports.

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 2022-07-10 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: NC

Complaint narrative:
I did not open a XXXX XXXX credit card on XX/XX/2021. I did not use, authorize, or consent to my information being used to open this account.Equifax, XXXX, XXXX have not removed it from my reportXXXX XXXX XXXX XXXX has not responded to my inquires about this account. I want this removed from all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: NC

Complaint narrative:
I did not open a XXXX XXXX credit card on XXXX/XXXX/2021. I did not use, authorize, or consent to my information being used to open this account.XXXX, XXXX, Experian have not removed it from my report. XXXX XXXX XXXX has not responded to my inquires about this account. I want this removed from all XXXX of my credit reports.

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 2022-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: WA

Complaint narrative:
I bought a {$200.00} gift card ( Issued by Blawkhawk ) and received {$98.00} in ( XXXX ) charges within 30 minutes of checking the balance on the card at a site that came up first when I searched their web address on the back of the card. I'm not the first ( over XXXX complaints at the XXXX XXXX XXXX  ) Itst ' been almost a month and they've done nothing but try to bury me in forms and red tape. ( I had to fill out a form listing the XXXX charges separately including the name of the scam company on each line ). According to various sites there have been numerous reports of fraud on the phishing site but Blackhawk still allows the charges to go through. there are Several complaints on the XXXX site claimed the phishing site was owned by Blackhawk and after this ordeal I am beginning to suspect that may be true.I 've disputed charges on other cards and have always been able to resolve fraudulent charges over the phone, I have no way to electronically sign the forms they emailed me. Also the require me to list each of the XXXX charges manually when the aleady have a list. I explained that I can't Esign and that I don't have a smart phone and they a couple of times and instead of explaining how to do this and offering help they just keep sending me the same forms and instructions. ( 3 times so far )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-10 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX, XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency maty 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 ) Section : States 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 explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc.
State: MA

Complaint narrative:
I received a one time letter ( debt collection document dated XX/XX/21 ) ) from a McCarthy , Burgess & Wolff, agency located on XXXX XXXX, XXXX, Ohio. I simply though they send a letter to the wrong person. I haven't heard from said agency since the receipt of the letter. 

I was to be certain this is not some of scam, the reason I'am filing this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: 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 U.S.C 1681 1 ) XXXX XXXX XXXX XXXX XXXX XXXX account # # # # # # # XXXX has violated my rights Hard 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 All account above have violate 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
Junk debt buyer sent me an email to confuse me. The judge ordered arbitration to settle. dispute. The arbitration demand was filed with XXXX XXXX. We already did court ordered mediation. The Junk debt buyer try to confuse me by not notifying me that she is a Junk debt buyer via her email. She failed to communicate with me in the email that she is a collection agency trying to collect a debt. I want {$500.00} to settle her violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I use the Wells Fargo Bill Pay service to pay the rent for my apartment. The money is withdrawn from my checking account before the paper check is mailed to my landlord. 

Wells Fargo issued a stop payment on my XX/XX/2022 rent check without my authorization. 

Wells Fargo notified me of their stop payment decision via email on XX/XX/2022. I reached out to Wells Fargo via telephone about this issue on XX/XX/XXXX. On XX/XX/XXXX XXXX Wells Fargo employees ( XXXX, XXXX, and XXXX XXXX verbally stated that per my request, the stop payment had been rescinded. Despite these assurances, my landlords money was returned to my checking account on XX/XX/2022.

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 2022-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX  Account # XXXX, XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency maty 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 ) Section : States 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 2022-07-10 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # XXXX, XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency maty 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 ) Section : States 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Requested credit reporting to investigate account on my report and they did not notify me of investigation results. I sent letters on XX/XX/XXXX and again XX/XX/XXXX and again on XX/XX/XXXX. XXXX sent me a letter about my identification and I sent that in again and still no response. I also reached out to the company listed on my report and got no response into XXXX and with that they violated my hippa and still did not verified that the account in fact was mine. I sent another letter to the credit bureaus and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: VA

Complaint narrative:
Requested credit reporting to investigate account on my report and they did not notify me of investigation results. I sent letters on XX/XX/XXXX and again XX/XX/XXXX and again on XX/XX/XXXX. XXXX sent me a letter about my identification and I sent that in again and still no response. I also reached out to the company listed on my report and got no response into XXXX and with that they violated my hippa and still did not verified that the account in fact was mine. I sent another letter to the credit bureaus and still no response.

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 2022-07-10 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act the accounts listed below has violated my rights : XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act the accounts listed below has violated my rights : XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 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 states a consumer reporting agency can not furnish an 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 2022-07-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The Undersigned having full control of Trust revokes all permissions to the Government and/or any political subdivisions/Organizations to use copyrighted TRUST name XXXX XXXX XXXX or trust in any fashion excep1 by explicit written request/order in direction otherwise. Said name belongs to Trust in operation by trustees wherein the government/agencies thereof have no control as Trustee/Secured Party/Bailee having full mental capacity and ability to contract as well as natural right to trust holds a common-law trade-name, trademark, XXXX XXXX XXXX as authorized representative ( Attorney-In-Fact ), as well as established validity of the Power of Attorney by continual non-contested use. The Private Offset Account established in the name of TRUST is the property of TRUST as well as any value that has been deposited in Private Offset Account is the property of TRUST, as any such value was created from the credit thereof. Account will remain in effect with appointment of fiduciary by Form XXXX. 

The Placing of an Unlawful or Improper XXXX, XXXX, Impoundment, or Garnishment against any funds, bank accounts, savings, accounts, XXXX! XXXX funds, investment funds, social security funds, intellectual property, or any other property belonging to the XXXX XXXX by any agency :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc.
State: MD

Complaint narrative:
My son received XXXX XXXX on XX/XX/2016 from XXXX XXXX. Insurance paid a portion, which left a balance of {$270.00}. We relocated, so I did not receive the bills early on. 

The account was turned over to the collection agency, Receivables Management Systems ( RMS ). I discovered it because it showed up on my credit report. The balance had increased to {$530.00}. I've made multiple attempts to pay the original balance that was due. RMS continues to update my credit report and add $ XXXX {$2.00} to this balance every two weeks. The balance is now over {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
Myself and my Girlfriend got a XXXX XXXX XXXX XXXX suv financed on XX/XX/XXXX. The dealership was XXXX and the bank that they got us approved with and financed with is CPS ( Consumer Portfolio Services , Inc. ) based in California. The " Amount Financed '' is {$18000.00}. The " Finance Charge '' is {$15000.00}. With 22.25 % APR/INTREST. Monthly payment for 72 months is {$470.00}. My girlfriend is the Primary Vehicle owner and I am the co signer/owner so we used her XXXX Credit to get approved. But what I've looked into is that is this is called a Predatory Loan? And yeah they definitely didn't run by everything with us and just had just sign our name on an XXXX and tap everywhere to sign everything and just kept scrolling so we couldn't even read what was in the contract. I called the dealership afterwards and asked them why everything was priced so high and they said " Its just what the bank approved '' so then I called the bank then they said " Your APR/INTREST & Finance charges have to do with the dealership so call them. ". So neither of them gave me an answer or solution.

Company response to consumer: Closed with explanation