vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hey I am writing to dispute the following in accurate information on my report. 
This item XXXX. Account XXXX XXXX XXXX  Account number : XXXX And XXXX. Acount XXXX XXXX XXXX Account number : XXXX is inaccurate because I have never opened an account with the creditor I filed an police reports and an identity theft report and sent out to XXXX I also asked XXXX for steps use to validate this account several times and the original contracts between me and the original creditor agreement with my signature neither XXXX nor the original creditors were able to do so the last several months XXXX Violated my rights under The FCRA by not following the basic Laws. I am requesting that this item be removed immediately from my credit report.

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at the address noted above.

Also, I would like to remind you, using the E-Oscar method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe *******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 that the information Is inaccurate******** I am Damaged Mentally and physically do the inaccurate information being reported!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
The dates of all my payment history were current and I paid about {$2700.00} in payments on the original {$8200.00} balance of the vehicle. I communicated with the dealership and turned the vehicle in because of it being over priced. Credit Acceptance stated that there was balance owed on my credit of {$9200.00} which is incorrect also a repossession appeared on my credit. I requested proof the check from the lending bank and Credit Acceptance never communicated back to me.

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 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2023 i XXXX XXXX Wells Fargo customer / Consumer reported unauthorized transactions listed on checking Business checking account XXXX Wells Fargo are violating my consumer protection rights i XXXX XXXX am the victim of identity theft and fraud WELLS FARGO has not responded. Under the laws of Commerce, an un-rebutted Affidavit stands as Truth. Therefore my Affidavit sent stands as Truth and they are liable to compensate me for the violations they committed against XXXX filed XXXX ( XXXX ) CFPB complaints. They responded to the first with documentation that I claimed they violated in my Affidavit of Truth ( which was attached to my CFPB complaint ) - Further proving them guilty of identity theft and fraud. ( all attached ) The second complaint is still in progress.Wells Fargo proceeded to create additional accounts without my consent to continue their attempts to collect an alleged debt. Proof is attached. Not to mention, a class action lawsuit was filed against WELLS FARGO for opening unauthorized accounts in the past. This is a violation of 15 USC XXXX I did not apply or sign for the card with the new account number, therefore I am not to be legally held to the contract.I have many late fees accumulating on the account and it has put derogatory marks on my credit report decreasing it drastically, not allowing me to obtain more of my open-ended credit plan.This is completely unlawful and abusive. I have done all steps via the federal law and WELLS FARGO is still breaking FEDERAL laws pursuant to the XXXX WELLS FARGO is liable for all statutory damages that I have endured. I now further demand WELLS FARGO to stop their fraudulent acts and to compensate me for all individual actions. Invoice attached. I also demand the credit reporting agencies be notified.

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 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: IL

Complaint narrative:
when I opened my bank account I opted out my card being able to go thru if funds were not available to prevent any overdraft fees. since last week when I use my debit card PNC is deducting the amount I spent at the store plus putting a hold for extra on my account. which means every time I use my card I'm going to be paying double for my transactions until they clear from the bank which according to one of the managers it can take 5 to 7 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I need this information to be reviewed, it is inappropriate information with negatives and does not belong to me, I want it to be removed immediately, I have never had late payments on any of them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect

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 2023-11-27 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I need this information to be reviewed, it is inappropriate information with negatives and does not belong to me, I want it to be removed immediately, I have never had late payments on any of them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One mislead me and mislead me in the past see attached screen shot stating offers with no credit pull PRE QUALIFIED overtime I got baited and switched, they pull a inquiry and this is not right Capital One basically opening up small credit lines three different accounts with small XXXX dollar credit limits, I requested to take all my credit cards and give me a small line of credit on one card they pull more inquiries as I have been a long time customer with no late payments they have basically failed on there end and use many excuses to many inquirys THIS IS FALSE ADVERTIZING AND IAM DISPUTING AND ASKING ALL CREDIT PULLS TO BE REMOVED FROM INQUIRY LIST in the past I shut down a XXXX dollar credit card not knowing it damaged my credit because of there bad faith

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
There is information on my consumer report that is a result of identity theft I did not provide written permission or instructions for the identity transactions to be reported. I am requesting that the reporting of this information be blocked and removed. My request to block is not being made in error, nor is my request to block the identified transactions, not information related to any transaction by me as the consumer. You are required to do what I have asked to be done within four ( 4 ) days of this notice XXXX  update this info to all my reports for this action to be done to all my reports on any file being reported. They violated the law of safe lending rights. They also did fraud identity theft issues 15 1681 a ( g ), filling in false info without consent to do so with other companies. I need my deposits back. XXXX authorizations for release of info

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 2023-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: IN

Complaint narrative:
Discover CC sent me a check offer to pay for services with extended time to make payments without interest after a small fee for it. I used the check to pay {$1500.00} on XX/XX/2023 for a job painting service that the painter XXXX XXXX XXXX was supposed to perform on my XXXX  room. After getting the check and caching it this person disappeared without performing any of the service promised. I contacted Discover Card CS and asked them to stop/retrieve the check and explained the reason, however, they told me they couldn't do it. I informed that I was victim of a scam, but it didn't change their resolution. I have also paid XXXX XXXX XXXX through XXXX 's transfers for his wife XXXX XXXX XXXX, in the amount of XXXX {$1100.00} from a total of XXXX {$2600.00} for a painting/flooring work quoted as U {$3300.00}. XXXX XXXX XXXX and XXXX XXXX XXXX live at XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX and they advertise their scam business on the XXXX XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My interest free period on my Jewelers reserve card through CitiBank expired in XXXX. I received a statement where my balanced jumped from around $ XXXX to $ XXXX. After calling XXXX XXXX, i was informed that of a settlement amount to clear and close my account of the previous statement balance, which was good until mid XXXX. I made this payment in XXXX, calling them to confirm receipt and that no further charges were owed. Then closing my account. 

One month later, i receive a statement saying I owe @ {$600.00}. Again i call them and spend @ 30 minutes on the phone, before getting credited the amount as a bank error. I subsequently received written confirmation that my account had a XXXX balance and was closed. 

Another month later and i receive a statement saying i am past due and owner {$60.00}. Again, another 30 minutes on the phone. However this time, because i have received credits, the customer service representative was unable to help. 

Through this process, the tradeline has been incorrectly reported to all 3 credit bureau as having a past due balance, adversely impacting my credit scores. 

My goal is to raise the issues of the banking practices of the XXXX XXXX XXXX for continuing to bill me exorbitant amounts which are not owed, for failing to resolve incorrect statements, for failing to adequetly disclose a settlement amount at the end of the interest free period and for adversely impacted my financial position ( and waiting my time ) over 3 months.

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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report last month XXXX and I noticed several inquiries that I didn't recognize or apply with. I immediately disputed these inquiries to both creditors and Equifax for possible ID theft. I sent a letter to Equifax last XX/XX/2023, along with the FTC report and proof of identity but they didn't budge to investigate. They said the documents were invalid and needed to be resubmitted. I asked specifically which part of the documents were invalid but they could not pinpoint the error. Here are the unauthorized/fraud inquiries that I have disputed with Equifax. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
incorrect information about my address in which I am unaware of these addresses and I have never lived at these addresses that are fraudulent and are affecting my credit report, I sent them proof of my correct address so that they would eliminate the incorrect and fraudulent addresses and I am unaware of those addresses. It's been more than 90 days and I don't see a solution to my problem regarding my address correctly, so I want it to be resolved soon.

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 2023-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: TN

Complaint narrative:
I contacted Dave last Sunday because I received a call that my granny was in XXXX. I reached out to them to ask that they delay my payment so I could go to Illinois to see my XXXX. They stated that they were unable to grant my extension so I spoke with family and was advised to revoke the ACH ON my account and just mail the payments in to pay off. I contacted them and asked them to revoke the ACH/Debits from my account but they continue to attempt to debit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C, 1681section 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. 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2023-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PLS GROUP, INC
State: NY

Complaint narrative:
On XX/XX/XXXX, I bought a money order from PLS Check Cashers of New York, Inc. Money Order XXXX for ( XXXX {$1400.00} ) to pay my rent and It was stolen. When I returned to the store to claim my money back because it was forged, and the information on the money order was altered from XXXX XXXX XXXX to XXXX XXXX. I was told to get an affidavit, which I did on XX/XX/XXXX, and waited the XXXX months I was told the investigation takes. XXXX months later, I was told the documents expired and needed a new affidavit again ; I provided them with a new affidavit on XX/XX/XXXX and a notarized letter explaining what had occurred with the money order. 
At this point, I do not know how to recover the money I lost thanks to their negligence. I am pleading for your support because I need the money right now, and my working hours have been cut to almost 20 hours a week. 

I have called the TV show XXXXXXXX XXXX XXXXXXXX for support, and they have told me to come to you guys for more support. 
Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C , 1681section 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. 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2023-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PatientFi, Inc.
State: PA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits on XX/XX/. They furnished this account that we didn't agree upon and I didn't sign an agreement on in the amount of XXXX dollars. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA i'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I have home owners insurance for many years, XXXX XXXX. 

Shellpoint Mortgage has charged me a fee every month, Lender Placed Hazard Disbursement for not having insurance. This has happened since XXXX. I have called them over fifty times. They keep me waiting on the phone for over an hour and then say they will change it but they never do. I also had my insurance company call them many times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation