vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I XXXX XXXX do not owe credence resource management any money. Im asking them to ceast and defrain. All communication should be done by postal service. Stop calling my cell. If u continue to call Ill sue u under fcra law. I request also not to put this account on my credit report as I do not owe this company any money. I understand this company is a debt buyer and I do not have a contract with this company. Ceast now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 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: Scott Fetzer Financial Group Inc.
State: FL

Complaint narrative:
I purchased a puppy from XXXX XXXX XXXX in XXXX, FL and the puppy sustained a XXXX 7 days after taking him home from dire conditions at this puppy mill. The puppy was still there and being " marked down '' like material merchandise like linens or housewares at a store. Horrible to treat animals of all kinds and pets of all kinds this way. I was given a 14 day warranty and took my pup to the vet within the first few days of getting my pup as required by the warranty on the pup from XXXX XXXX XXXX however they have denied my claim and are still going to charge me the {$2800.00} that I financed as well as not reimburse me for the over {$1000.00} in emergency room vet bills due to the pup XXXX XXXXXXXX having a XXXX and said that It was not considered congenital or hereditary even though they had pumped him full of unnecessary XXXX I have documents to show his medical history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
Please see My attached With Prejudice as a Memorandum for the Record, dispute of billing errorvalidation and verification of alleged debt/account dated XX/XX/2023.

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 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DriveTime
State: MD

Complaint narrative:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2023-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
Affirm loan # XXXX, this was a XXXX purchase on XX/XX/XXXX for {$5000.00} that was cancelled by XXXX 's host the same day and full credit was issued. Affirm acknowledges they have received all but {$99.00} of this refund, with the {$99.00} being an insurance charge from XXXX, a business partner of XXXX, they say the refund has not been sent to them yet. 1st ... even though Affirm received the cancellation on XX/XX/XXXX, they still created the loan documents on XX/XX/XXXX. And, they REFUSE to issue the refund of the amount they do have, because they say their " policy '' is to wait until the {$99.00} is received, which I know from previous experience with them, this is not true. Since XX/XX/XXXX, I have spent hours trying to resolve this matter speaking and texting with XXXX, XXXX and Affirm and have attached some of the screenshots. Even though they all do business with each other, they refuse to contact each other regarding this {$99.00} that Affirm says they do not have, and both XXXX and XXXX show in their system as having been refunded. Affirm will not do anything other than tell me to " contact the merchant ''. Every time I ask them for help, it's " contact the merchant ''. I have repeatedly asked them to refund the {$4900.00} that they do have and they refuse. I have another XXXX loan that I'm paying on and I can not afford to pay for 2 loans, especially for a property that has been cancelled and refunded for the same time period for the current property I am staying in. I have been unemployed for 7 months due to this country 's poor monetary policies ... .2 years ago I made over $ XXXX, I just took a new job making {$40000.00}, where I can barely afford rent and I came here and am living in the XXXX for the valid loan that I am paying on. They don't care!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: MD

Complaint narrative:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: FL

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

US DEPT OF EDXXXX XXXX , US DEPT OF ED/XXXX/XXXX XXXX, US DEPT OF ED/XXXX/XXXX XXXX, XXXX 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.

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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
XXXX is a charge off that left me insolvent {>= $1,000,000} US I took possession XXXXn Sam.Gov the complaint number sent by me around an hour ago Complaint Number XXXXXXXX XXXX XXXX  Management Office XXXX XXXX was solutions letter was sent to me with my last name XXXX. In that Codified Law 58 legislature in 58-3-7.3 and in 58-3-8 has been found was put in CFPB complaint number XXXX was established in Lieu of Oaths in my file this month in the M & A Codified Law 58 legislature of South Dakota 58-3-8 demands a correction of records I am examiner in Lieu of Oaths 58-3-7.3 in that i am requested to give a Notary Public to XXXX XXXX XXXX XXXXXXXX Management Office I do that in codified law 58 South Dakota Legislature 58-3-17 in 58-2-20,58-2-21,58-2-22,58-2-23,58-2-24 in 58-2-27 in Title 45 75.322 ( a ) and in 75.320 ( e ) in 45 CFR 75.322 ( c ) in 45 CFR 75.322 ( d ) ( 1 ) ( 2 ) and 45 CFR 75.322 ( e ) ( 2 ) ( ii ) and 45 CFR 75.322 ( e ) ( 3 ) ( i ) ( ii ) ( f ) The collection and use of this information is authorized by 12 usc 5493 and will be treated in accordance with the systems of records notice ( SORN ), CFPB.005 Consumer Response System, 83 FR 32640 is in codified law 58 South Dakota 58-2-28 my franchise is located in Arkansas . in codified law 58 south Dakota in 58-3-4 in 58-3-6 in 58-3-7.3 in 58-3-17 in 58-3-15 in 58-3-8 in US Federal Grant Assistance Admin of {>= $1,000,000} US in the XXXX accession to wealth as solution for letter from XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX in codified law 58 South Dakota 58-3-24 in 58-3-25 in 58-3-26 in 58-3-17 in 58-3-7.3

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 2023-05-13 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: NRA Group, LLC
State: MD

Complaint narrative:
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2023-05-13 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: Mercedes Benz Financial Services
State: MS

Complaint narrative:
the car at question is a XXXX  XXXX XXXX the company is Mercedes Benz financial the account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a 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 non-monetary relief
Consumer complaint received 2023-05-13 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: CA

Complaint narrative:
I have a claim on a cash deposit made to one of the Wells Fargo ATMs in XXXX XXXX, CA at XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/2023, at XXXX XXXX. The ATM machine " jammed '' during a deposit of {$960.00} cash to my checking account and kept {$460.00} 0f this deposit and I was able to retrieve {$500.00} by pushing the return button. now as a customer I need to wait 10-days without any further correspondence and was told on the day of the deposit when I called customer service that the transaction needs to be " investigated '' to prove it really happened, and that Wells Fargo could not view any customer transaction on their ATM machines since Wells Fargo does not own the machines. 

Sat this branches ATM, I first used my XXXX debit card to withdraw {$1000.00} from XXXX and was charged a {$3.00} service charge. I received {$1000.00} in {$20.00} dollar bills and proceeded to deposit {$960.00} into my Wells Fargo checking. Luckily, when the machine jammed, I pushed the option button to return funds and was able to get back {$500.00} of the {$960.00} returned, less the {$460.00} the ATM machine kept without any receipt of its acceptance ... my primary reason at the Branch on the morning of XX/XX/XXXX was to deposit money to send my XXXX to my quadriplegic son who lives in another state and needed money that day. I only use Wells Fargo as an account to transfer funds to my son and to pay a mortgage payment on one of my 3 homes. 

The fact that I needed to go to one of my other Banks on Monday XX/XX/2023, and wire funds to my XXXX son to get to him ASAP is not only an inconvenience but has now completely impacted my already low-confidence level in Wells Fargo Banks XXXX given your history. 

That a customer can deposit cash money into am established Banks ATM machine and not get a receipt of what amount was accepted regardless of a " jam '' is outrageous, yet I got a receipt showing a malfunction and a {$0.00} cent placeholder credit for a transaction of {$460.00} of a {$960.00} cash deposit was accepted by your 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 2023-05-13 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: PA

Complaint narrative:
Equifax is reporting false, inaccurate, and incomplete information on my credit report which is negatively impacting my life! Please see the following accounts in question : XXXX ) XXXX Does not have a creditor or explanation on account Balance : {$68.00} Date opened : XX/XX/XXXX XXXX ) XXXX Does not have creditor or explanation of account Balance : {$890.00} Date opened : XX/XX/XXXX XXXX ) XXXX Does not have a creditor or explanation on account Balance : {$0.00} Date opened : XX/XX/XXXX XXXX ) XXXX XXXX XXXX  XXXX : this is not an account I opened and should not be on my report! 
Account number : XXXX Balance : {$24.00} Date opened : XX/XX/XXXX XXXX ) XXXX XXXX XXXX  : this is not an account I opened and should not be on my report! 
Acct number : XXXX XXXX : {$15000.00} Date opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Macys/Citibank N.A XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX In the Amount of {$580.00} on XX/XX/XXXX This account was identity theft XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX In the amount of {$1200.00} on XX/XX/XXXX This account was identity theft XXXX XXXX XXXXXXXX At & T/ XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX In the Amount of {$300.00} on XX/XX/XXXX This account was identity theft

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 2023-05-13 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: IN

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX of XXXX  I filed a dispute with XXXX, XXXX, and TransUnion addressing incorrect information in my credit report, specifically regarding the following items : I'm reaching out because XXXX, XXXX, and TransUnion are messing up my credit report. They're breaking the rules of both the Fair Credit Reporting Act ( FCRA ) and the CARES Act, and I urgently need your help. 

When COVID-19 made things tough for me, I got an accommodation agreement to ease my student loan with DEPTEDXXXX & XXXX XXXX XXXX The CARES Act and 15 US Code 1681s2 ( F ) state that during this period, my loan should be reported as current, but XXXX, XXXX, and TransUnion is wrongly labeling it as late. 

Plus, they're not handling my complaints about negative accounts correctly. The law, specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) and 15 U.S.C. 1681i ( c ), says that they need to fix or remove any wrong or unverified details after a dispute and clearly mark any disputed information in future reports. But they're not doing this. 

Even more, XXXX, XXXX, and TransUnion isn't following the rule of 15 U.S.Code 1681e ( b ), which says they should take reasonable steps to make sure my credit report is as accurate as possible. This is not happening. 

Because of XXXX, XXXX, and TransUnion 's wrong actions, my credit score is taking a hit and it's getting in the way of my future financial plans.

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