vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Numerous attempts have been made to contact Equifax as well as XXXX XXXX and after my 3rd attempt I am forced to file a complaint. 

Equifax is reporting incorrect information via XXXX XXXX and it is affecting my credit score heavily. 

Equifax is only showing 1 account reporting and that account is showing that the last payment made was 2012 which is incorrect. XXXX and XXXX are showing over 10+ current accounts I maintain as well as displaying the correct information from my XXXX XXXX card. 

I am asking to please help get this resolved as my other bureaus are close to a 800 credit score and my Equifax score is around 600 with inaccurate information. 

Your help with this matter is much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: DFC Global Corp.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX claims that I owe a debt of {$420.00}. However this was a mistake made by XXXX XXXX. The debt wasn't mine until I attempted to pay a portion of the debt for a friend. XXXX XXXX claims that the debt was switched over to my name and the process couldn't be reversed. So XXXX XXXX called several times in an attempt to collect the debt that I do not owe. 
When contacting XXXX XXXX the second time I was given different information. Now XXXX XXXX then claimed that the debt was over a check that was never cashed. So I do not know why I would have to pay {$420.00} for a check that had a stop payment placed on it and was never sent through XXXX XXXX in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XX/XX/XXXX Capital One XXXX CAPITAL ONE XXXX XXXX, VA XXXX ( XXXX ) XXXX Re : Notice to cease contact from identity theft victim Dear Sir or Madam : I saw you reported a debt to my credit report and learned you are attempting to collect a {$350.00} debt from me. The ACCOUNT number associated with this is XXXX date of INCIDENT XX/XX/XXXX. 

I am an identity theft victim, and the debt you are trying to collect is the result of fraudulent usage of my personal information without my consent. 
Please cease contact with me or anyone else about this debt, with the exception of a creditor or consumer reporting agency to restore my good standing. Please remove all identifiers of your company from my credit report as I never opened an account with your company. 

Below is a list of the documents I have enclosed to prove I am the victim of fraud : *Police report or * FTC affidavit of identity theft statement Under law, you may only contact me once more to acknowledge that you have received this request. Under the Fair Debt Collection Practices Act, I have the right to view copies of applications of other proofs of this debt your agency possesses. Please forward copies of these documents to me at the above address. 
I expect to receive your confirmation that you have received this notice by XX/XX/XXXX three weeks from now. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-11 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:
There are many mistakes appear in my report without my understanding.

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 2018-03-11 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: EQUIFAX, INC.
State: MD

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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: MD

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-03-11 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: IN

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-03-11 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:
Experian, XXXX, and XXXX refuse to remove hard inquires that should have been remove from my credit report. Here is a list of hard inquires that are expired : Inquiry date. Removal Date 1. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 2. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY

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 2018-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We have been experiencing several issues with the Wells Fargo branch located at XXXX XXXX XXXX, XXXX Florida with just two particular individuals a male manager and a teller by the name of XXXX XXXX 
My mother have received some funds to fix her house where we live due to damages that had occurred in our home and the mortgage company send us several checks to pay the contractors that we have hired to do the jobs in our house. We went to the bank with the check and they did not want for us to deposit the check to my account even though my mother signed it over to me nd I have power of attorney to take care of her affairs and to pay the contractor for the jobs. They say we couldnt and that we have to deposited into her account, so we went to another branch and it was deposited without any issues. So, in two weeks, they sent us another check for the deposit of the contractor, so we went again to the XXXX XXXX XXXX branch because it is close to our home, and again we had the teller XXXX at the drive through and I again informed her to please deposit the check into my account and she went ahead and deposited in my mothers account, and my mother can not have high deposit show in her account because she receives social security disability and food stamps. When we got home that is when I noticed that she had deposited into my mothers account, so we had to wait on Monday to go in to the branch to transfer the funds into my account, so we found a teller that made the transaction for us without any issues. Now on Saturday XX/XX/XXXX I went to the drive through and behold again its XXXX, I fill out the form and needed to withdraw XXXX dollars to pay for a job that was just completed and XXXX told me hold on and she called that same supervisor a male that I dont recall his name made me wait for so long and then he came to the window and says that I can not withdraw the XXXX dollars because blah blah and mind you I just withdraw {$7100.00} the previous day to pay off the balance to our contractor in order to get release of lien. And they are telling me I can not withdraw and what made me so mad is that as I was leaving they started laughing at me. Now this is so unprofessional and I see that we are being targeted by this supervisor and 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 2018-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Circle Internet Financial
State: CA

Complaint narrative:
I attempted to withdraw XXXX STR ( Stellar Lumens ) tokens onXX/XX/XXXX at XXXX - the transfer did not complete and resulted in an error ( as shown in the Withdrawals section of my account ), however the amount of XXXX STR has been deducted from my account balance. 

I logged a ticket in the support section of the XXXX website ( # XXXX ) on XX/XX/XXXX ( 67+ days ago ) and a reminder 4 days ago. I also sent @ XXXX tweets requesting resolution and refund of the missing tokens on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX, however no response has been received. 

I request the CFPB to take appropriate steps to ensure XXXX XXXX is held accountable for such lapses and exemplary fines are levied to ensure such actions are not repeated.

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 2018-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, XXXX, and TransUnion refuse to remove hard inquires that should have been remove from my credit report. Here is a list of hard inquires that are expired : Inquiry date. Removal Date 1. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 2. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY

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 2018-03-11 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: CA

Complaint narrative:
XXXX, Equifax, and XXXX refuse to remove hard inquires that should have been remove from my credit report. Here is a list of hard inquires that are expired : Inquiry date. Removal Date 1. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 2. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have contacted Experian serveral times to get my name correct on my report and they refuse to change it. 

XXXX Name ID Number XXXX Report Number They also have address I have never lived at : XXXX Address ID Number XXXX Report Number XXXX Address ID Number XXXX Report Number XXXX Address ID Number XXXX Report Number XXXX Address ID Number XXXX Report Number XXXX Address ID Number XXXX Report Number

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 2018-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The information on my Equifax Credit Report with XXXX XXXX XXXX XXXX is incorrect and over 17 years old, it has been deleted from my credit report over 5 times. It was just removed XX/XX/XXXX and now it's back on my Credit Report. Under The Fair Credit Reporting Act Summary of Rights " a Consumer Reporting Agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old. This information was placed on my Credit Report in XXXX. My rights are being violated and I am seeking damages in State and Federal Court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I gave my credit card number to a fake moving company which took out a XXXX XXXX on my card and never performed the moving service. I never agreed to a XXXX XXXX  and I try to resolve this with capital one. They failed to refund me for the fraudulent purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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: MO

Complaint narrative:
Experian continues to report and retain incorrect, non-compliant data. 

My latest credit report, dated XX/XX/XXXX, indicates : Residences deleted - all three addresses, including an address in another state in which I've never lived is still reporting on my XX/XX/XXXX report. What residence was deleted? Apparently none. This is erroneous reporting! The only address they are required by law to report is my current address which proof has been sent. The other two addresses are not mine, especially the New York address they continue reporting. 

The alleged XXXX XXXX account has many compliance issues. Per FCRA and Metro 2 must be deleted if not compliant. Experian " verified '' erroneous data. High balance and credit limit are different. Alleged chargeoff can not have balance yet they're reporting one as of XX/XX/XXXX but have 5 charge offs beginning XX/XX/XXXX. They're reporting two consecutive months of " 30 days late '' but there are only 30 days in a month. 

Alleged XXXX XXXX - I do not have XXXX! 

XXXX XXXX XXXX is an absolute joke. They keep sending me " proof '' with statements bearing a New York address. I don't, nor EVER have, lived in New York! I WILL NOT send them my ID, SS card nor identifying info as requested. 

Alleged XXXX account has a high balance greater than credit limit. If OK XX/XX/XXXX how can report 90 days late in XX/XX/XXXX. A month consists of 30 ( 31 days ), how can 3 consecutive months be 60 days late? They are reporting 3 non consecutive charged off months. Impossible! 

Alleged XXXX XXXX account reporting 2 consecutive months 60 days late and 4 consecutive months of 90 days late. Impossible! 

Alleged XXXX account has high balance greater than balance, 4 consecutive months 60 days late and 2 charged off months. IMPOSSIBLE. 

Alleged XXXX XXXX account has 10 months of no data then boom a charge off. Really? 

Alleged XXXX high balance greater than credit limit. Charged off 11 times. Can they not make their mind up?

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 2018-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Relin, Goldstein & Crane, LLP
State: FL

Complaint narrative:
I received an initial written letter via mail regarding a debt I owe from Relin, Goldstein, and Crane dated XX/XX/XXXX. This letter did not include the amount of debt I owe and only included a payment agreement, which I made over the phone. The letter states that I " have agreed to make monthly payments of {$500.00} with the first payment of {$1000.00} due by XX/XX/XXXX and a payment of {$500.00} due by the XX/XX/XXXX of each month following, until the balance owed is paid in full. Please note that 9 % interest does continue to accrue ''. I did not receive written verification of what the amount owed is, or how the interest is calculated. With the lack of written confirmation of exactly what I owe and how many payments of {$500.00} it will take to pay this debt off. I am concerned they have left this open-ended and have neglected to verify my payment plan with respect to how/when my balance will be paid in full, or what my starting balance is to begin with.I spoke with a representative about my concerns on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I received a letter from XXXX XXXX stating I was denied a loan in part due to a XXXX credit score from XXXX XXXX. After some research, I have found this company to be fraudulent and exists to allow banks to charge a higher percentage due to a low score. This is not a credited agency and should not be included when trying to obtain a new 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 2018-03-11 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: First Data Corporation
State: NJ

Complaint narrative:
I filed a dispute with XXXX due to XXXX XXXX XXXX XXXX reporting incorrect data about an account that was paid and closed ( they were reporting that the account was still open and in ok/current status ). First Data responded to the complaint and added additional false information by claiming my account was a chargeoff/collection account. This information is incorrect, as I was paying the account and it was in good standing at the time that I paid the remaining balance. Since First Data was not providing any equipment/service at the time, I asked for a flat amount to payoff and close out the account. First Data agreed, but never updated my credit report to reflect the account was paid and closed, which is why I contacted XXXX. It seems that in an attempt to retaliate due to my XXXX dispute, First Data added adverse and false information, which is now reflected as a derogatory item on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Charles G. McCarthy Jr. & Assoc.
State: CA

Complaint narrative:
I continue to receive harassing phone calls from the " Law Office of Charles McCarthy Jr. & Associates. '' I have received phone messages approximately weekly for at least the past two months. The caller identifies himself as an employee of " the Law Office of Charles McCarthy Jr. & Associates '' and requests that I call him back. I have been told to never return these calls because I owe no debt and if you return his call you have then verified your number and existence. 

I am XXXX years old and again, and I owe no debt. 

Please see the attached link for information, XXXX XXXX XXXXXXXX. 

Also, it should be noted that I have never received written correspondence that I owe a debt of any type. Also, I have never filed bankruptcy. His address, phone number, email and Web Site is noted below : Law office of Charles G. McCarthy Jr. & Associates XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) -XXXX Fax # XXXX XXXX XXXX XXXX XXXX/ Again, refer to the following : XXXX XXXX   XXXX. This is an on-going issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I received an initial written letter via mail regarding a debt I owe from XXXX, XXXX, and XXXX dated XX/XX/XXXX. This letter did not include the amount of debt I owe and only included a payment agreement, which I made over the phone. The letter states that I " have agreed to make monthly payments of {$500.00} with the first payment of {$1000.00} due by XX/XX/XXXX and a payment of {$500.00} due by the XX/XX/XXXXof each month following, until the balance owed is paid in full. Please note that 9 % interest does continue to accrue ''. I did not receive written verification of what the amount owed is, or how the interest is calculated. With the lack of written confirmation of exactly what I owe and how many payments of {$500.00} it will take to pay this debt off. I am concerned they have left this open-ended and have neglected to verify my payment plan with respect to how/when my balance will be paid in full, or what my starting balance is to begin with.I spoke with a representative about my concerns on XX/XX/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