vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-05 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: PA

Complaint narrative:
Delete immediately XXXX XXXX  has yet to pay INVOICEConsumer Financial Protection Bureau complaints filed by me on XX/XX/XXXX ( case number XXXX ) and XX/XX/XXXX ( case number XXXX ). XXXX still has not shown me a receipt of payment For XX/XX/XXXX XXXX.Do not use the EOSCAR system .. XXXX Account payment history is inaccurate and is a reason to DELETE the entire account off of my credit report. attached is PROOF that it is inaccurate. the inaccuracies are HARMING me. I have disputed this multiple times XXXX, Transunion and XXXX still can not prove the alleged payment in XXXX of XXXX, and XXXX of XXXX I have documented proof on The creditors ( XXXX ) letterhead stating they never received a payment in XX/XX/XXXX, yet it shows that inaccuracy on my credit report. in XXXX of XXXX I disputed inaccurate information being reported on my credit report by XXXX XXXX  I demanded for them to DELETE IMMEDIATELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX From NATIONAL CREDIT SYSTEMS, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: PA

Complaint narrative:
The company is called Enhanced Recovery Company. They refuse to verify the accuracy of my information. The debt is for a XXXX  phone I returned over 6 years ago that XXXX stated they never received. The debt collector now continues to Re-age my debt so it can look recent and continue to hurt my credit score. The amount is over {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A, Section 2 : It also 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 2023-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXXXXXX, From : NATIONAL CREDIT SYSTEMS, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
i recently saw my credit report was showing collections owed to XXXX XXXX XXXX and Medical data systems inc. i called them and asked them to remove the collections because of the ammount of XXXX should be removed from my report. i also filed a dispute in which it came back verified from XXXX. the name they are using to verify is inaccurate and needs to be be updated in XXXX XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: MA

Complaint narrative:
Made a dispute with Transunion on XX/XX/XXXX regarding an unapplied payment made for XX/XX/XXXX on XX/XX/XXXX against the advice of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX due to company doing an " accounting '' of my account. By law a lender must apply any payments received XXXX did not apply the payment which l received back a closing since l sold the property to get rid of XXXX due to the problems that l had with them since XX/XX/XXXX which they charged me lender insurance when l had homeowners insurance through XXXX XXXX for years before this company took over my loan which was sold to XXXX. l have made over 40 phone calls to XXXX asked for accounting of my account and 3 " investigations ''. I have never received a call or any letters from XXXX. l am disabled and am on additional XXXX XXXX XXXX and now on XXXX XXXX  due to the months of stress. I made a payment and XXXX never applied it and Transunion is showing maximum delinquency which is incorrect. l did my part of making a payment the most the Transunion should show is 30 day late payment however there should be no delinquency since XXXX advised me not to make a payment. The property closed on XX/XX/XXXX and XXXX  was paid off. All they did was lie to me they never contacted an accounting or any investigation of any kind, l was told they were cancelled right after l requested it.

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 2023-03-05 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: MA

Complaint narrative:
Made a dispute with XXXX on XX/XX/XXXX regarding an unapplied payment made for XX/XX/XXXX on XX/XX/XXXX against the advice of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX due to company doing an " accounting '' of my account. By law a lender must apply any payments received XXXX did not apply the payment which l received back a closing since l sold the property to get rid of XXXX due to the problems that l had with them since XX/XX/XXXX which they charged me lender insurance when l had homeowners insurance through XXXX XXXX for years before this company took over my loan which was sold to XXXX. l have made over 40 phone calls to XXXX asked for accounting of my account and XXXX " investigations ''. I have never received a call or any letters from XXXX. l am disabled and am on additional XXXX XXXX XXXX and now on XXXX XXXX  due to the months of stress. I made a payment and XXXX never applied it and XXXX is showing maximum delinquency which is incorrect. l did my part of making a payment the most the XXXX should show is 30 day late payment however there should be no delinquency since XXXX advised me not to make a payment. The property closed on XX/XX/XXXX and XXXX  was paid off. All they did was lie to me they never contacted an accounting or any investigation of any kind, l was told they were cancelled right after l requested it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells fargo is financial institution as defined pursuant to 15 usc 1693 ( a ) ( 9 ) and has held an account belonging to me the consumer. They can not close an account that does not belong to them neither can they remove credits that does not belong to them pursuant to the Electronic Funds Transfer Act. They failed to correct their error pursuant to 15 usc 1693f is now liable for stealing my credits. 

Fact I applied for a XXXX XXXX XX/XX/2021, the grant was approve by XXXX XXXX.Grant number XXXX. 

XXXX  XXXX XXXX  deposited into my Wells Fargo Preferred Checking account number ending in XXXX on XX/XX/2021, in the amount of {$20000.00} from XXXX XXXX XXXX, payable to my first XXXX and last name XXXX. On XX/XX/2021 my bank Wells Fargo stated that XXXX XXXX XXXX  reported the wanted the credit back from my Checking account. Wells Fargo did not take the credit from account ending in XXXX they took from my other Wells Fargo account whats ending in XXXX. On XX/XX/2021 Wells Fargo sent me another email out stating that they will withhold my funds in the amount of XXXX from my account ending in XXXX, In which the credits was not deposited in this account it was deposited in the account ending in XXXX. 

So they stole the credit out my account. I was approved by scratch for my forgiveness on XX/XX/2021 and it was paid in full. see documentation 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 2023-03-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

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 2023-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
This is a brand new credit card with Bank of America and I tried to connect my XXXX banking account to transfer money to pay towards my balance. BOA will ONLY allow you to pay online or through the app if you set up a BOA checking/savings account. This is NOT right. I should be able to pay my bill anyway I want. I can never get a human - only virtual assistant that tries to set me up for bill pay which is paying other bills with the card. This is absolutely wrong as a banking practice to force a consumer to open up an acct with fees just to pay their credit card acct.

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 2023-03-05 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: Credit Card Receivables Fund Incorporated
State: TX

Complaint narrative:
These items do not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  ACCOUNTS XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
These items do not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX  ACCOUNTS XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX  Account : # XXXX, From : 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 604 A, Section 2 : It also 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 2023-03-05 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: FL

Complaint narrative:
I am an XXXX data breach claimant. My personal information has been used to obtain goods or services without my knowledge below are the items that I have found to be identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX ) XXXX XXXX XXXXt # XXXX XXXX ) XXXX XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX  XXXX XXXX The reporting of this information is a violation of my rights under the FCRA and I would like to exercise my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ). 
These items appear on my Experian report # XXXX Per the requirements under FCRA 605B ( 15 U.S.C. 1681c-2 ) I have Included a written statement here as well as the Identity theft report # XXXX. 
I have also included the required documents to verify my identity such as my Drivers license and Social Security Card, Which meet all the requirements under FCRA 605B ( 15 U.S.C. 1681c-2 ) ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer

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 2023-03-05 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: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Acct # XXXX {$490.00}. 
XXXX Acct # XXXX {$480.00}. 
XXXX XXXX Acct # XXXX {$670.00}. 
XXXX Acct XXXX XXXX {$1100.00} XXXX Acct # XXXX {$0.00} XXXX XXXX XXXX Acct # XXXX {$0.00} XXXX  XXXX Acct # XXXX {$770.00}. 

15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604A. Section 2 : 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 may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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 Report Act XXXX Account : # XXXX, From : 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 604 A, Section 2 : 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 2023-03-05 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo continues to damage me and crucify my credit score over a debt I settled by tender of payment back in 2017. The debt is over 8 years old, the statue of limitations is 7 years on a debt that has been settled by either discharge or settlement. I sent them a tendered offer in 2017 and they kept it and never complained when they kept the settlement. I am tendered payment to these liars must I tender of payment again because they continue to act in dishonor and hold my credit report hostage.

I have complained to the Consumer Financial Protection Bureau ( CFPB ) in the past numerous times yet you have done nothing to assist me. There is no justice in the United States of America and we the people are screwed from the bureaucracy! 

I want the CFPB to force Wells Fargo to abide by the Fair Credit Reporting Act as well as Fair Debt Collection Act. You are allowing them to kill me financially after the seven year statute of limitations. WHEN DOES IT STOP! I HAVE SETTLED THIS DEBT AND TENDERED PAYMENT!!!!!!

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 2023-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
This loan was started on XX/XX/XXXX for XXXX and the monthly note is XXXX. In XXXX I was out of work due to a health problem. I called the company to let them know, so I was granted a few months that I can make payments for XXXX a month, when that time was up the company called me and said that my car is on the list to get repos unless I can make a full payment of XXXX. I let them know I am out of work and I had applied for XXXX and I am waiting to hear back. I also told them to give me until Friday I have a friend who can let me borrow it that was the agreement that was on a Wednesday apparently it was fine. Then this happened Thursday, XX/XX/XXXX my car was reposed Credit Acceptance did not even wait until Friday to come to see was the note going to get paid. I call them on the phone to ask why they repose the car we had agreed for Friday. Then I was told that they can't do anything about it, I was told the only way I can get my car back is to agree to a payment of XXXX a month if I don't they want to tell me where the car is and I can't get it back it will go up for auction. I had to agree to their tern and send them XXXX first before I can know where the car is and get it back. Now I have been getting help for 12 months paying XXXX on the car now I was approved for XXXX i ask the company can we try to settle this loan for what I had already paid or drop the note. I was told they can't and that maybe I should surrender the car. The remaining balance is XXXX which includes a past due balance of 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 2023-03-05 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX  Account : # XXXX, From : CB INDIGO/GF, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05 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 Report Act XXXX  Account : # XXXX, From : 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 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation