vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: VA

Complaint narrative:
HI, I have submitted Cheque of XXXX $ on XXXX to XXXX XXXX XXXX.Cheque was cleared on XX/XX/18 XXXXdo n't have details when Apartments guy deposited in Bank.Amount of {$78.00} was shown as collection which was false collection, I disputed it with XXXX XXXX XXXX and XXXX XXXX prooof of Cleared cheque.Except XXXX XXXX and XXXX has removed the collection from Credit report.I have presented the same argument and evidence to XXXX XXXX they refuse to remove the collection saying that Deletion letter should come from Collection agency -IQData .I have applied for Mortgagee loan and my Closing is on XXXXIncorrect collection showing in XXXX report is impactiing my Interest rate and PMI insurance to go up.Request you to look into this case asap, so that Financial loss incurred due to incorrect collection can be taken care of.Meanwhile I am working with IQdata and XXXX  XXXX XXXX  for collection removal but their response is very slow.Request you to look into this. 
Thanks, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Jefferson Capital keeps trying to collect on a debt that is for XXXX XXXX  I have never created an account with them nor have i ever been

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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:
I AM WRITING TO DLETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEM I NEED DELETED ARE LISTED IN THE REPORT I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT!

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 2023-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA

Complaint narrative:
Double charged from moneygram when XXXX transaction was canceled beforehand. 
{$1500.00} canceled but moneygram still process {$1500.00} correct Therefore XXXX transactions went through to bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance to the Fair Reporting Act XXXX Account 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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
Fortiva has 2 credit cards that were opened fraudulently in my name. Ive sent police reports to confirm this however they have not fixed this negative reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: Rosebud Economic Development Corporation
State: PA

Complaint narrative:
XXXX alerted me to a pay day loan initiated with my information on XX/XX/XXXX twice and XX/XX/XXXX. I spoke w/ XXXX XXXX who advised me to file a claim w/ XXXX  and to freeze my XXXX XXXX. Upon receipt of the XXXX XXXX Report, it showed fraudulent information : Rosebud Lending, XXXX XXXX  ZocXXXXLoans. XXXX, XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I called XXXX on XXXX when I received the DataX report and spoke w/ " XXXX '' She stated there was no information with my name, email or phone numbers. I would not provide my social security number without providing a report to your agency and FTC first. I am not XXXX XXXX and never applied for this loan.

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 2023-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On Saturday XX/XX/XXXX at XXXX I received a call from Nationwide Credit Inc ( XXXX ) and spoke with a representative. Usually I don't answer unknown numbers but because my Identity has been stolen, I'm receiving calls from Banks in regards to my credit freeze and fraud alert. So I'm answering every call I receive because I don't know if it's a bank or not. I wasn't aware of Nationwide as a debt collector so I did not want to give my personal information to the representative, I said I would call back because I need to verify the information. But the representative became very pushy and aggressive and I told him I don't trust him and I don't know if he's a scammer too so I'll call back. The representative hung up the phone and immediately called me back on a separate line ( fake phone # XXXX at XXXX ) to cuss me out, insult my wife and mother, and make threats against me. It was clearly the same guy because it was the exact same voice and he said he was going to use my information to steal my identity as well. I hung up on him and first verified NationWide Credit as a debt collector and then called them back to report him but the offices were not open because it was the weekend. 
I included documentation showing that they are a debt collector attempting to collect a debt ( I found a correspondence from them ) and screenshots from my phone of the incoming calls, the time of the calls and the duration of each ( which shows he called me immediately ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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:
I AM WRITING TO DLETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEM I NEED DELETED ARE LISTED IN THE REPORT I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT XXXX REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT!

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 2023-02-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I am filing this grievance as I monitor my credit and was alerted to a collection reporting from XXXX XXXX ( Debt Recovery Solutions , LLC ) that has dropped my scores significantly. Ive received no phone calls or communication via USPS mail to confirm this debt is mine or valid. Due to this I did not obtain the full statuatory period that would have allowed me to dispute the validity of the debt prior to it updating with the credit bureaus. If I had, the collector would have been advised that this debt is time barred and needs to be removed post haste due to misleading and erroneous collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute that was sent over to them and they responded back that they wouldn't remove these two innacurate items from my report due to them being legit when they are not.Then Ive called 3 different numbers I was given for them and they have not been reachable even after I left two messages.

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 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
I rented an apartment at The XXXX at XXXX, in XXXXXXXX XXXX beginning in XXXX, XXXX with a year long lease. The following spring, I needed to move back to XXXX because of a family issue, prior to the end of my lease. I gave adequate notice to vacate my apartment ( ~60 days ) and was given a letter stating that I owed {$4700.00} in order to terminate my lease early. I was shocked and sought legal counsel, XXXX XXXX XXXX, XXXX. I also consulted the Maine Consumer Law Guide to help me understand my rights in this case. As confirmed by my attorney, the law ( 14.16 " Unfair Rental Contracts '' ) states that " No matter what lease a tenant signs there are certain tenant rights that can not be waived, no matter what the lease says : A. The landlord can not charge a tenant for the months remaining on the lease after the tenant is evicted or leaves unless the landlord makes a good faith effort to re-rent the residence. '' This is the crux of the issue here. In my remaining weeks at the XXXX after I had given notice, management did not once contact me regarding showing the unit, nor was the apartment advertised during that time. XXXX XXXX advised me not to sign the " Notice of Intent to Terminate Lease Early '', in a letter to the XXXX  dated XX/XX/XXXX. Also stated in this letter is my willingness to show the apartment at any time. In addition, I paid my rent through the month of XXXX, XXXX, although I vacated the apartment before the end of the month. 

On XX/XX/XXXX, I received a letter from The XXXX requesting that I remit the amount of {$3800.00}, which was the original amount owed, less my security deposit. Upon my attorney 's counsel, I took no action to this request. Then on XX/XX/XXXX, I received a bill from Fair Collections & Outsourcing of New England, a debt collector, for the {$3800.00}. A similar letter from Fair Collections was received on XX/XX/XXXX. Upon notifying XXXX XXXX, he sent a letter to Fair Collections explaining my situation with The XXXX, and warning them to " cease and desist '' in their efforts to collect the alleged debt, and in placing a " XXXX mark '' on my credit report. XXXX XXXX sent another letter to Fair Collections dated XX/XX/XXXX again requesting that they " cease and desist IMMEDIATELY '' in their efforts to collect this disputed debt. As happened with The XXXX, my attorney 's correspondence and requests were summarily ignored. 

Lastly, I was notified by XXXX XXXX on XX/XX/XXXX, that this collection had been entered onto my credit report. Again, I notified XXXX XXXX who is now preparing further steps in this case. In addition, I have submitted disputes to all three credit reporting bureaus : XXXX, XXXX and XXXX. I do not owe this money, and I would like for this derogatory mark removed from my credit history.

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 2023-02-06 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: IL

Complaint narrative:
I have disputed a bankruptcy with Experian and XXXX twice and they have failed to follow the law. After reviewing my credit report I noticed that there is STILL a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts, The Bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. PLEASE SEE ATTACHED BANKRUPTCY LETTER. Experian and XXXX is also violating 15 USC 1681b ( a ) ( 2 ) considering they do NOT have my consent to furnish any information. Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumers report. Activity and continuous violations are causing me great injury as Experian and XXXX is preventing me from receiving credit to support and sustain my family. Public records information is NEVER validated by the Recorder of Deed nor the U.S. Court system due to Fair Credit Reporting Agency PRIVACY LAW. As required by FCRA 611 ( a ) ( 7 ), no information was provided after the 30 days.

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 2023-02-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
Company by the name of XXXX XXXX XXXX XXXX XXXX keeps inaccurately reporting information to the credit bureaus. I have made a FTC report about this before this company has the wrong address and social and they keep selling my information to different companies and posting it on my credit. They have now sold it to Paramount Recovery System. I contacted them they said this account is from XXXX and they have the wrong information I have been a victim of identity theft and been proved that this wasnt me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
Purchased a XXXX XXXX on XX/XX/XXXX, included GAP insurance but interest for car loan was I think 7 % XXXX. Would like to get it reviewed. 

Also paid off a XXXX XXXX on XX/XX/XXXX, after car was considered totaled. XXXX paid them a check and we still had a portion to pay. Would like that reviewed as well

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 2023-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo auto loan and a pay out. I was wondering if I was part of the pay out I did not receive anything for a pay out.

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 2023-02-06 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: IN

Complaint narrative:
According to the law, USC 1681, and USC 1681s2 That I have the right to privacy, and that I did not give authorization for this information to be put on my credit report 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 2023-02-06 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I recently checked my credit report and saw that on XX/XX/2022 there was an inquiry on my report from ALLY FINANCIAL. I did not authorize this. That has caused my credit score to decrease and now I'm very concerned that my identity has been stolen.

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 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I borrow {$420.00} from a friend, Im going through XXXX treatments and Ive been missing work. I needed to money for a car payment. This was in XXXX. I spent XXXX hours with chime on the phone because they wouldnt let me withdrawal my own money because I didnt verify a debit card they sent me a year prior, after a few hours on the phone we discovered we could assign me a temp card. We assigned me a temp card, I transferred {$420.00} from my chime account to my XXXX XXXX XXXX account. I also closed the account. I then get a email a week later informing me my XXXX transfer has been canceled due to suspicious activity. 

I spent an hour on the phone with them Friday trying to escalate this to the appropriate team and I have a single email that has not been responded too. 

I have sent XXXX email without corespondents in an appropriate amount of time. I really need this money its all I have to my name, I still have to pay my friend back. They are not responding to my emails and when I call in they just say I have to deal with the email department. 

This looks like this my only option to get somewhere before I take them to small claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07 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: MI

Complaint narrative:
This account is past the 7 years mark and I want it remove. The debt wasnt sold, its been 7 year $ months to today XXXXXXXX XXXX XXXX XXXX  XXXX {$7600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in this report. I am a victim of identity theft and did not make the listed changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I feel like my car loan has a super high interest fees and would like for someone to check this out on my behalf please. ive been a member from 2018 till now.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
On XX/XX/2023, I received an email from XXXX XXXX XXXXXXXX that stated, " Thank you for your interest in opening a deposit account with us. At this time, we're unable to open the following account ( s ) for you : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The email went on to indicate that their decision was based in whole or in part on information obtained from the consumer reporting agency or agencies listed below. Furthermore, XXXX XXXX XXXX indicated that " [ my ] deposit account score is a number that reflects the information from your deposit account history in your consumer report. Your deposit account score of xxx used by us in taking the above action was created on XX/XX/2023, and provided by an external consumer reporting agency Early Warning Systems. '' This attempt to open an account was made without my authorization. As such, I considered it an attempt to commit identity theft/fraud. I immediately contacted Early Warning Services , LLC, and spoke with a customer service representative to request a copy of my report be emailed to my attention due to identity theft. The Early Warning Services , LLC website contained the following disclosure, " In accordance with the Fair Credit Reporting Act, your consumer report will be sent to you within three calendar days if you notify Early Warning that you have been a victim of identity theft and you provide the information required by the Act. '' Early Warning Services did not place a freeze on my report. Additionally, I contacted the fraud department of XXXX XXXX XXXXXXXX and reported the attempted account opening. While speaking with XXXX XXXX XXXX, I was informed that another attempt was being made. Another attempt was made later in the evening, bringing the total attempts to XXXX. Again, I received emails from XXXX XXXX XXXX indicating that information was obtained from Early Warning Services , LLC. On XX/XX/2023, the third business day, I contacted Early Warning Services and noted that I had yet to receive a copy of my report. I was informed that the information on the website needed to be corrected and a report would be provided within 15 days of the request.

Company response to consumer: Closed with explanation