vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Offending company : ACE XXXX XXXX XXXX, also known as ACS. The latest correspondence is dated : XX/XX/2020 @ XXXX. I've repeatedly asked ACE ( 10 plus times ) not to contact me further with regard to this matter. They've not honored my request and violate Debt Collection law by continuing to contact me. Addionally, you will see in the email correspondence attached to this email, where they threatened me in several ways, which I'll list as follows : Threatened to sue me if I didn't pay {$3400.00} and court restitution in the amount of {$980.00}. Additionally, here are the charges they'll file against me at the local County Courthouse : 1. Violation of Federal Banking Regulation 2. Collateral Check Fraud 3. Theft by deception Also, they've threatened to contact my payroll administrator ( which I don't have ) to tell them what I've done in the past. In their threats they give me only 48 hours to pay, otherwise, legal action will commence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: VA

Complaint narrative:
I received a notification that I had a collections account on my XXXX  credit report from Enhanced Recovery Co L for {$970.00}. The original creditor was apparently XXXX XXXX XXXX. I have not had a XXXX account in years ( and did not have a balance when I stopped using them ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I want to report that somebody has used my identity to open accounts in my name withoutmy consent, this report is produce to dispute these fraudulent accounts, that has damagemy credit record, Please note these incident for future references.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
CONTINUATION OF XXXX  AND AG COMPLAINT! 


XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I have been in contact with the credit furnishers listed and have proven that the accounts do not belong to me. They have since closed the accounts in their systems, however, the accounts still remain in your records as active and valid. Because of your mismanagement of account information and unprofessional data being furnished, this has continued to wreak havoc on my financial life and has presented numerous challenged for me and my family. I urge you to remove these invalid entries, at once without prejudice. 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX  XXXX XXXX  ACCT : XXXX XXXX : {$2500.00} XXXX XXXX ACCT : XXXX XXXX : {$3500.00} XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$270.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 
This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 2020

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 2020-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: FL

Complaint narrative:
From XX/XX/2020 through the present. I have been receiving communication from Discover in Statements on Alleged debt that is owed. The Truth and Lending Act is intended to inform consumers of credit, and I have been deceived concerning the information in my consumer credit transaction. According to 15 USC 1692j, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am the original creditor ; I am Protected as a consumer against the alleged debt 15 USC 1692a ( 3 ). According to 15 USC 1692e ( 11 ), Failure to disclose in the initial written communication with the consumer and also, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. According to 15 USC 1692b ( 2 ), Any debt collector communicating with any person shall not state the consumer owes any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: CBC Companies, Inc.
State: LA

Complaint narrative:
I want to report that somebody has used my identity to open accounts in my name withoutmy consent, this report is produce to dispute these fraudulent accounts, that has damagemy credit record, Please note these incident for future references.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: ID Analytics, Inc.
State: LA

Complaint narrative:
I want to report that somebody has used my identity to open accounts in my name without my consent, this report is produce to dispute these fraudulent accounts, that has damage my credit record, Please note these incident for future references.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Not a duplicate : this is my 5th complaint on Experian regarding the reporting of XXXX preferred account. For years, I have written to XXXX using the PO. Box they list on my credit report - the mail has always been returned to sender. I tried for years calling the 877 number they list on my credit report and all I got was a non working tone. I then disputed with Experian the inaccuracy of non working contact info for the creditor. Every time I disputed, Experian did not fix the error but instead dismissed my request indicating the account had been updated and verified. To this day, the account still shows non working contact information. I finally called Experian and spoke with a lady named XXXX in the Internal Affairs unit - she stated it was not Experians job to update the contact information for the creditor and suggested I XXXX a working phone and addressXXXX XXXX  still has yet to provide all documentation in the form of an itemized statement, all correspondence and documentation for this account. Only, how can they when they send all my requests as return to sender. Experian has not done its FCRA requirement in investigating the issue. Instead, they told me to go out on a witch hunt to track down the creditor. According to Experian ( attached ), if I dont agree with the result of dispute, I can contact the creditor directly using the contact information listed on the report. I pointed out that the contact information for the creditor hasnt worked in years.

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 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
After apply for a XXXX secured card and them saying that I was approved. They took my money and sent the card. I was not able to activate the card. They asked me to sign a tax paper in which I did. After that they still would not activate the card and the account was closed because they said that they could not verify my identity. Now the card is reporting to my credit report as a closed account. The account was never open to be closed. I asked them to removed it and the lady said she could not.

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 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
After apply for a XXXX secured card and them saying that I was approved. They took my money and sent the card. I was not able to activate the card. They asked me to sign a tax paper in which I did. After that they still would not activate the card and the account was closed because they said that they could not verify my identity. Now the card is reporting to my credit report as a closed account. The account was never open to be closed. I asked them to removed it and the lady said she could not.

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 2020-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX, Transunion and XXXX  have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.

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 2020-11-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX, XXXX and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.

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 2020-11-05 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax, XXXX and XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX, XXXX and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.

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 2020-11-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}, {$9100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account.

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 2020-11-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally randomly decided to block my access to my savings and money market account. 
And the associated funds.They claimed I had too many external verified accounts and transfers. ( All under my own name )

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 2020-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
I sent {$150.00} to my son through XXXX. He never received the money even though it was taken out of my account. I called M and T. They said call XXXX. Called XXXX. They said talk to bank.

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 2020-11-05 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX, Transunion and XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.

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 2020-11-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have an item on my Experian credit report that is not mine and is adversely affecting my credit score. I have disputed the Item several times with Experian and they have not removed it from my credit file. The account is not mine I never authorized this account, I never signed for this account and I never received any goods or services from this debtor. The creditor, is a bank called XXXX, which I never had any dealings with. This account was opened by my ex husband without my authorization and I have filed an identity theft report with the FTC that outlines this account. The Bank will not talk to me about this account because it is not in my name, so why do they continue to repot it to my credit file? It is over 7 years old and should be removed from my file permanently.

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 2020-11-05 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To whom it may concern Ive managed to keep up with my payments consistently. 
But on the date of *XX/XX/XXXX & XXXX XXXX My payments show up as late because I wasnt allowed to use two cards ( Two Different Forms of Payment ) to make a payment that forced me to pay the other portion a day later causing my credit score to drop by 94 points. It will be a great relief to get this removed from my credit report. Its not that I didnt have the money to pay it, but rather I wasnt aware that two different cards couldn't be used. If there is a recording you will hear me mention this to the operator that night *XX/XX/XXXX. * I read the agreement and I dont see where I am not able to use two different debit cards. Please accept this as a goodwill letter I would greatly appreciate it and thank you for your time & service in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: GA

Complaint narrative:
I let someone apply for my unemployment benefits for me, they have been using my information. I noticed my account transactions show highlighted red on every transaction when it is not suppose to be highlighted red. I don't know for sure, i also didnt get my payment for this past week yet. Someone also got my information, social security number and all.

Company response to consumer: Closed with explanation