vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 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: Westlake Services, LLC
State: FL

Complaint narrative:
THESE COMPANIES FRAUDULENTLY OBTAINED COPIES OF MY CREDIT FILE WITHOUT MY PERMISSION OR KNOWLEDGE. MY XXXX EX-HUSBAND USING MY IDENTITY TO OBTAIN LINES OF CREDIT AND THESE INQUIRIES NEED TO BE REMOVED IMMEDIATELY FROM ALL THREE CREDIT BUREAUS AND CONSUMER REPORTING AGENCIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: TX

Complaint narrative:
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 ( XXXX ) at ( XXXX XXXX XXXX XXXX, OH XXXX ) has been sending me collection notices in the amount of ( {$0.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 
( XXXX  XXXX at ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) has been sending me collection notices in the amount of ( {$3100.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 
( XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ) has been sending me collection notices in the amount of ( {$0.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 


( XXXX XXXX XXXX XXXX ) at ( XXXX XXXX XXXX XXXX, OR XXXX ) has been sending me collection notices in the amount of ( {$0.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

( XXXX XXXX ) at ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX ) has been sending me collection notices in the amount of ( {$1700.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 
( XXXX ) at ( XXXX XXXX XXXX XXXX, MN XXXX ) has been sending me collection notices in the amount of ( {$490.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. 

( XXXX XXXX XXXX XXXX ) at ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OR XXXX XXXX ) has been sending me collection notices in the amount of ( {$720.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

( XXXX XXXX  ) at ( XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ) has been sending me collection notices in the amount of ( {$210.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: LA

Complaint narrative:
I have no relation to this fraudulent account titled XXXX/DEPT OF ED ( Missouri Higher Education Loan Authority ) on my credit report. I have not received any service or product from XXXXDEPT OF ED ( Missouri Higher Education Loan Authority XXXX XXXX XXXXDEPT OF ED ( Missouri Higher Education Loan Authority ) is a fraudulent account and is inaccurately reporting on my credit report. I can not assume an account I know nothing of to be mine. Due to XXXX/DEPT OF ED ( Missouri Higher Education Loan Authority ) inaccurate reporting I am a victim of identity theft as someone in that organization is using my information without my authorization. XXXXDEPT OF ED ( Missouri Higher Education Loan Authority ) continues to falsely and inaccurately report negative items to my credit report. I have no contract with them, and I don't know who they are. After way too many attempts to contact them, they failed to disclose an agreement or reply. I addressed this matter to them in writing XX/XX/XXXX and sent a follow-up notice XX/XX/XXXX and another XXXX XX/XX/XXXX and still have not received a response. Within Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act and also My privacy and confidentiality is at stake because of this false reporting. IN REGARD TO XXXXDEPT OF ED ( Missouri Higher Education Loan Authority ) ACCOUNT NUMBER : XXXX under 15 U.S.C 1681 section 602 A. according to the section my rights of privacy are recognized. under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. XXXX/DEPT OF ED never had any instructions from me. 15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization for the agency to provide such report. I never authorized XXXX/DEPT OF ED to make such reports. 15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. ( a ) duty of furnishers of information to provide accurate information. inaccurate information is being reported by XXXXDEPT OF ED. I NEED THIS ACCOUNT DELETED. 


I NEED THIS ACCOUNT DELETED FROM 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 2022-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
My eldest brother keeps receiving harassing text messages from a collections agency. His name is not on any loan with me nor does he have any knowledge of a loan but he has received three text messages. The most current one states : XXXX XXXX Collector : * blank*, you took an important step toward resolving this acct. Continue at *blank* To optout reply STOP He received it today XX/XX/22. He wouldnt have been authorized if I did have debt. He is being harassed by this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I was notified by my bank about a year ago about credit card fraud where the person used my XXXX  account and ordered various items on my debit card and/or through my mastercard. I was told by the bank to file a report with the police which I did and also contact the three credit bureaus. I assumed everything was straightened out but it was not and I recently received a noted saying I am going to be sued by a credit collection agency, actually two of them. Can someone help me out with this? I have tried to contact the collection agency to no avail, yet I have been reading they have been noted to sue people in an unjust way? Can you help me please??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Company has not followed the credit reporting guidelines. The CFPBs debt collection rule requires debt collectors to take certain steps before reporting a debt to a credit reporting company. This company has neglected to send me any correspondence and/or any means of communication validating if this account belongs to me, prior to reporting to the credit bureaus. 
They further are fraudulently reporting on an account that has no merit, as I never had an account with XXXX or Jefferson Capital in XX/XX/2019 in the amount of {$2600.00}, not to mention they have waited seven ( 7 ) years to bring such a claim and have neve sent me any correspondence signed contracts, etc. 
They have not provided any original documentation to prove I have had an account with them through my many attempts to request this information, they have refused to provide any such documents and continuously harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: CA

Complaint narrative:
Midland Credit Management Inc. is attempting to collect a debt that was not authorized by me. It has been concluded that I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX. This debt collector has failed to This debt is not mine. In accordance with the Fair Debt Collection Practices Act, I have requested that they stop collection proceedings against me and cease communications with me about this debt, except to comply with section 615 ( g ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA. 
I have sent via USPS certified mail a letter directly to Midland in response to their letter dated XXXX XXXX in which they claim I owe the debt. 
Midland Credit Management Inc. went to court and put a judgement against me, unlawfully. I have never had the opportunity to say my part, or respond to the action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
My bank, First Midwest Bank, was recently acquired by Old National Bank and the transition was finalized on XX/XX/2022, On XX/XX/2022 there were were 3 withdrawals for {$180.00} each from my checking account that I didn't make. I was never notified by Old National that these transactions occurred and they never notified me that my card had been suspended. Apparently after the 3 withdrawals the person who had a duplicate card, I'm assuming an employee of the bank cloned my card, tried to make credit card purchases and they were declined according to the person I spoke with at Old National. I found this out the next day XX/XX/2022 when I tried to use my debit card at my local Jewel and it was declined. The new card has never been out of my possession and I am the only person that knew my newly created PIN. I immediately logged into my account saw the 3 transactions for {$180.00} each all were withdrawals were from a XXXX ATM in XXXX XXXX and I knew I did not make them. I then called the bank and they assured me it would be taken care of. They also said they would send me another ATM card, which never arrived. On XX/XX/XXXX, I received a letter from Old National stating that the transactions were valid and they would not be reimbursing me. They never even called the XXXX XXXX police or the XXXX to pull video recordings of the person that withdrew the money from my account. If I had known they weren't at least going to do what I consider the bare minimum to trying to uncover what happened then I believe they should have to reimburse me for my loses. Below is a screen shot of the 3 transactions I'm contesting. 

XX/XX/2022 ATM XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX XXXX IL ATM WITHDRAWAL - {$180.00} {$1400.00} XX/XX/2022 ATM XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX XXXX IL ATM WITHDRAWAL - {$180.00} {$1600.00} XX/XX/2022 ATM XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX XXXX IL ATM WITHDRAWAL XXXX {$180.00} {$1800.00} Thank you, 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 monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am trying to arrange a balance transfer and need by full account number. Best Buy/Citi will not provide it, nor direct me to person with that authority. Statement only has last found numbers. I do not have the physical card as they had closed it out a while back and I shredded card. They say they can not give me a new card, as they had closed it. I made all payments and want to pay off last {$1100.00}. I asked XXXX, the supervisor, who there could or could tell me who to talk to and he hung up ( he said there was no one above him in organization I could speak with ). 

I just need my account number, please.

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 2022-08-23 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: Capio Partners, LLC
State: FL

Complaint narrative:
On XX/XX/2022 CAPIO added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA CAPIO has violated my rights as a consumer and i'm requesting legal action to remove this account immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I was notified of my being sued with Portfolio collection company. I have tried t reach out to them to no avail, they never answer and never get back to you. I am XXXX and can not sit on the phone all day waiting for them to answer. I have been told by my bank that there was credit card fraud on my account as well as fraud through my debit card. The bank advised me to file a report with the police which I did do. They also told me to contact the credit bureaus as well which I did, I thought everything was straightened out when I received in the mail a notice that Portfolio was suing me for over {$7000.00}. Can anyone help me with this matter? I am going to answer the complaint as well at the court house but wanted some advice of what to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2022 there were fraudulent debits taken from my bank account with my debit card at Capital One Bank. The amounts were {$6.00} & {$6.00}. After review the bank refunded these amounts so I conclude they agreed these were fraudulent. Again on XX/XX/2022, {$89.00} & {$89.00} were debited from my bank account by the same company, but the bank concluded these last 2 charges were NOT fraudulent. The bank will not provide their reasoning on how or why they came to this conclusion. I was sent a 9 page letter that in essence states that I did make the purchases on XX/XX/2022. The company is an online company that I have never heard of. Their name is orderlfonlineshop.com. When trying to contact the online company they do not answer the phone nor return emails. I am retired and can not afford to be charged for things I don't purchase. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I upgraded my AMEX XXXX XXXX XXXX card to XXXX XXXX preferred card in XX/XX/2022, with a promotion 'spend {$1000.00} in 3 month and get {$150.00} credit '. I met the spending requirement early in XX/XX/2022, and the credit is still not posted now ( XX/XX/XXXX ). I chatted with the customer service multiple times since XXXX. Each time they could confirm that I have met the requirement and they can see I have earned the bonus. At first they said the credit will be posted in XXXX, then told me to wait 8~12 weeks. Now is way more than 12 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2022 I received notification by email that my credit card was cancelled due to non-use. I immediately pulled up my USAA app and reviewed all the documents that were recently sent. After seeing that a cancellation warning had not been provided, I called USAA to have my account reopened. I was informed that my account could not be reopened and that I should reapply. The representative stated the notification was generated on XX/XX/XXXX and did not acknowledge why the document was not showing in my USAA app. Im concerned that USAA may be generating cancellations warning and not truly sending the letters out to customers. 

After being told the issue date of the cancellation warning I validated my email was correct, checked my Spam, junk, and deleted folders and could not locate the warning letter. 

I have attached a screenshot of my app showing that no disclosures were received on or around XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Unfortunately, my wife filed the first complaint under her name XXXX XXXX and I am the card holder, XXXX XXXX. I have been ill for over two years and she is my power of attorney and handles all this for us. Her complaint number was XXXX filed on XX/XX/22 with all the pertinent information about two outdoor ceiling fans ordered from XXXX that we did not order or receive or have any place to hang them. We have already cancelled our credit card with Synchrony and paid all the charges we made in full and refuse to pay for something we did not order or authorize or receive.

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 2022-08-23 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: WI

Complaint narrative:
THE INVESTIGATION WAS TO BE CONCLUDED AS OF XX/XX/XXXX XXXX AS STIPULATED BY EXPERIAN, NOW THEY JAVE FRAUDULENTLY STARTED ANOTHER CLAIM IN ORDER TO CIRCUMVENT THE SYSTEM, THE INVESTIGATION WHICH WAS TO BE CONCLUDED AS OF XX/XX/XXXX WAS NEVER RELAYED TO ME AS THE CONSUMER, I HAVE NOT BEEN GIVEN THE RESULTS OF THE INVESTIGATION FROM XX/XX/XXXX TO XX/XX/XXXX, I HAVE NOT BEEN GIVEN ANY PROOF OF INDEBTEDNESS FROM EXPERIAN. THEY ARE ATTEMPTING TO USE MY COMPLAINT AS A MEANS TO OPEN ANOTHER DISPUTE, WITHOUT GIVING ME AN ANSWER AFTER I HAVE WAITED IN EXCESS OF THE 30 DAYS, THE ALLEGED CREDITORS FAILED TO PROVIDE PROOF. I WANT THE STATUS OF MY PREVIOUS DISPUTE. I CAN NOT INITIATE A NEW DISPUTE WITHOUT KNOWING THE STATUS OF MY PREVIOUS DISPUTE.

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 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I received the BOA bank credit card monthly statement and we found there were illegal activities in our Bank of America XXXX XXXX XXXX account. 
We reported it to Bank of America. We were on the phone with BOA bank representative. We went through line by line sorted out those fraudulent charges. We paid all those legal charges which made by me and we closed the account and filed a dispute XXXX XX/XX/XXXX. Bank of America denied our dispute twice and file a law suit against me. Court date is XX/XX/XXXX in XXXX Texas. 
All those illegal charges were on line video games charges. Both me and my husband are old person. We are having hard time to handle modern technology. We both had difficult time even to write an email. We were not capable or have any interest of playing video games on line. 
I had a XXXX  XXXX on XX/XX/XXXX. I still not recovered completely. It was a struggled to go back to work. I am a XXXX XXXX XXXX XXXX XXXX  for last 15 years. After the XXXX, I only allowed to work 2 days a week. XXXX hours per day. XXXX dollars per hour. Earn {$440.00} per month. My husband XXXX XXXX XXXX, living on a small Social Security retirement payment and a limited saving. There was no way we could afford to spend thousands of dollars to play video game, not mention to authorize somebody else to spend thousands of dollars to play for us. 
We had interrogated our son XXXX XXXX who he was XXXX years old then. Asked him if he ever used my credit card to play the on-line games, he denied it. But He admitted he did it recently. He said he thought it was free to add power for the game. 
I had not authorized anyone to use my credit card but my husband. I think I do not responsible for those unauthorized on-line gaming charges by my teenage son. 
XXXX XXXX XXXX XXXX XXXX XX/XX/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 monetary relief