vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-29 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: PA

Complaint narrative:
This letter is about the following accounts : : XXXX  : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 






Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 explanation
Consumer complaint received 2021-07-29 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:
This letter is about the following accounts : : XXXX  : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry.

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 






Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I HAVE COMPLAINT NUMBER XXXX WITH SUNTRUST ACTIVE STATUS CONCERNIG MISHANSLED WIRE PROCEDURE. AND ALSO FILING COMPLAIN NOW ABOUT IMPROPER IN INFO ABOUT STAUS OF CREDIT CREDIT CARD PAYMENT PAID IN FULL TO SUNTRUST NOW TRUIST BANK ON XXXX PREPARED BY XXXX XXXX AT XXXX, FL BRANCH HER PHONE NUMBER IS XXXX XXXX. THE COMPLAINT ABOUT ( XXXX ) IS BEING HANDLED FROM SUNTRUST CORPORATE OFFICE BY XXXX XXXX ON XXXX XXXX TOLD ME SHE WAS NOT ABLE TO TALK TO ME OVER THE PHONE ABOUT MY WIRE FRAUD ISSUE AND THAT I WOULD HAVE TO GO INTO A LOCAL BRANCH AND CALL HER. THAT DID NOT HAPPEN, SHE TOOK MY STATEMENT OVER THE PHONE AGAINST SUNTRUST TRUIST POLICIES. THEN ON XXXX XXXX SENT CFPB A NEGATIVE RESPONSE ABOUT ME STATING I NEED TO CATCH UP MY PAYMENTS. I PAID SUNTRUST IN FULL {$3800.00} IN FULL FROM XXXX XXXX  CHECK CLEARED BY SUNTRUST CREDIT CARD SUBSTITUTE PAYMENT COUPON ON XXXX XXXX. AS LIKE THE ABOVE CLAIM THAT CONCERN MY WIRE BEING STOLEN BECAUSE OF LATE ACTIONS BY SUNTRUST PERSONALS FOR {$15000.00}. EIGHT HOURS LATE NO REASON WHY WIRE THIRTY FIVE MILES AWAY SHOULD TAKE EIGHT. AND XXXX NEGATIVE RESPONSE THIS TIME TOOK SIX DAYS ACCOUNT PAID IN FULL.

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 2021-07-29 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: Self Financial Inc.
State: PA

Complaint narrative:
Self/ Lead posted a late payment on my report after calling to explain to them that it was a mistake on their behalf. When signing up for the account I put the account on auto pay to be automatically deducted from my account in the amount of {$25.00}, at the moment the bill was due and on a consistent basis I hold hundreds to thousands of dollars in my account. They failed to post my payment as outlined within the Fair Credit Billing Act and therefor has violated my rights. Please remove this late payment for it is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I had turned Credit Acceptance in for late payment reporting when I had XXXX  and had told them it was dude to covid. After consumer finance addressed credit acceptance stated it was to be corrected. XXXX XX/XX/2020 and XXXX late payments were to be removed marked no report etc. I turned them in on XXXX  as it was not corrected there. This was credit acceptance response INVESTIGATION RESULTS - VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and I need this corrected I'm trying to buy a house and I have fought this 4 months already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: LA

Complaint narrative:
have been contacting experian to correct fraudelent accounts that i have a police report on and they have yet to remove those accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Spoke to a supervisor today named XXXX from the Arizona call center. I advised that I have a pending CFPB from Bank of America regarding the lackluster service I have been receiving. I wanted the {$12.00} credit on my checking account in which she refused to adjust. I terminated the services. Now I see an {$8.00} charge under my savings. I need the {$20.00} to be adjusted if not I will file a complaint with the New York State Banking department. I have been trying to contact XXXX XXXX ( XXXX XXXX ) to no avail. The previous CFPB is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-29 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: PA

Complaint narrative:
This letter is about the following accounts : XXXX XXXX : # XXXX, which you claim, I owe [ {$810.00} or my account was charged off {$810.00} ]. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry.

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 











Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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 explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
We purchased an item through XXXX on XX/XX/XXXX. When we realized that we were deceived by the seller, we contacted CITI and filed a dispute with their department, case # XXXX. At that time we clearly informed CITI 's dispute dept. that we had the merchandize and that we would send it back to the seller if the seller pays for the return shipping cost. The seller refused to pay for the return shipping. CITI then reversed the charge of {$1700.00}. 

After over four months and many emails with CITI, on XX/XX/XXXX they informed us that they had reversed the credit because we were in possession of the merchandise, the fact which they were aware of when we filed our dispute on XX/XX/XXXX Their dispute department clearly did not read any of our responses and denied our dispute based on the fact that we had the merchandise, the info they were aware of on XX/XX/XXXX! 

We then followed up by filing a complaint with CITI 's Executive Office. However, we later received an automated email stating the same irrelevant reason for denying our request to reverse the charge. CITI 's Executive Office personnel paid no attention to our many emails to them and their dispute department and refused to reverse the charge of {$1700.00}, even after XXXX informed us that that option still existed for CITI to debit XXXX. 

Their first excuse was that the deadline to reverse the charges had passed. Then, they changed the excuse for not reversing the charge was because we still had the merchandise! 

CITI bank has failed to protect us, its customers, by their poor handling of our dispute and dragging the issue unnecessarily, and finally, denying our claim based on the information which was available to them over four months ago.

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 2021-07-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried disputing XXXX XXXX XXXX  with 2 of the credit bureau and they are not listening to my concerns. XXXX XXXX XXXX will not send me the detail of the charges or the contract or lease. They have also put 2 accounts on my credit report which is unfair and making my credit suffer. XXXX and XXXX how can I have 2 accounts. 

When I contacted XXXX XXXX XXXX XXXX stated I only owed XXXX so how did XXXX XXXX come up with so much. I want these accounts delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi, I noticed some credit inquiries in my credit report of Trans Union, XXXX  and XXXX  which I don't recall authorizing them. Please help me with this issue. Following Inquiries I don't recognize - XXXX XXXX XXXX XXXX XXXX TRANS UNION 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 explanation
Consumer complaint received 2021-07-29 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hi, I noticed some credit inquiries in my credit report of XXXX XXXX, XXXX  and XXXX  which I don't recall authorizing them. Please help me with this issue. Following Inquiries I don't recognize - XXXX XXXX XXXX XXXX via XXXX XXXX XXXX  XXXX  XXXX XXXX SYNCBAMAZON

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 2021-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have reported to Comenity Bank / Alliance Data over 2 months ago a dispute in reference to several invalid transaction that Im owed credit by the merchant. I have provided all relevant supporting documents along with a letter from my attorney with Confirmation from Visa USA concerning the time frame set by Visa. Unfortunately, while Comenity has indeed given me a temporary credit on these 3 transactions, they have not resolved these disputes and as reported to me they havent even began the 1st step of permanently recovering these funds. As outlined by my attorney in the documents submitted to Comenity Bank, Per Visa USA, Comenity only has 120 days from the date of the credit documentation to submit a proper dispute. These 120 days run out on XX/XX/XXXX. Comenitys negligence is unacceptable. They have no right or business to sleep on this file for 60 days and do nothing. 

- this was also reported to Comenity, but at the time, Comenity wrongly assumed they were already credited on XX/XX/XXXX and they did not notice that these credits were reversed the next day on XX/XX/XXXX. several months ago a was finally able to obtain a pledge for credit from the merchant, only to fall pray for Comenity to sleep on the file for a few months and do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The following account is a fraud account as I have never opened or used it : Portfolio Recovery Associates account XXXX The attached original creditors bank statement shows XXXX XXXX as part of my address, but I never lived in that XXXX and it doesnt match the correct XXXX XXXX showing on my credit report.Please delete asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I mailed out a Validation of debt request to Rubin and Rothman, LLC. I have not received a response whatsoever. I want this account removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX I sent a Certified letter to Eastern Account System for reporting inaccurate information to the credit bureaus ( XXXX, XXXX, XXXX  ). The company refuses to delete or to provide adequate proof that the claimed debt is mine. The are still reporting this inaccurate item as of XX/XX/XXXX it is still on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX Called XXXX XXXX XXXX to XXXX. I paid with my Debit card to : XXXX XXXX XXXX amount of {$1600.00} they supposed to send me XXXX within 30 days which, fit my XXXX XXXX XXXX XXXX They sent me wrong XXXX which, i wasnt happy with it. Then, i return it back to them. Since then i didnt hear from them. I called my bank to dispute it. Because wasnt happy with their service. My bank, Wells Fargo said that, you sent a check, check number XXXX. Unfortunately we can not return your money back. I told them, first of all my checking number is around XXXX how did i issue a check number XXXX to XXXX XXXX XXXX? 
I called Wells Fargo several times after hours on the line again somebody coming on the phone ignor that to pay my money back. 
I need your help. I don't know how should i get my money back? Besides same XXXX XXXXXXXX XXXX XXXX selling for {$1600.00} I found that in XXXX for {$35.00} one time payment. 
I am willing to provide you the picture of that check XXXX Wells Fargo issued with out my permission & No signature. 
Thanks

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