vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reached out to XXXX XXXX in reference to accounts number ending in XXXX and XXXX on XXXX  credit file and acct number XXXX and XXXX on the Experian file which are the same accounts with XXXX XXXX under contract number XXXX. Per the agent is spoke with at XXXX XXXX stated the original office was closed and all the account were transferred to the existing office, who in turn reported the already settled account to my credit file. Under the provisions of the 1977 Fair Credit Reporting Act, I hereby request that your agency fix my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I reached out to XXXX XXXX in reference to accounts number ending in XXXX and XXXX on Equifax credit file and acct number XXXX and XXXX on the XXXX  file which are the same accounts with XXXX XXXX under contract number XXXX. Per the agent is spoke with at XXXX XXXX stated the original office was closed and all the account were transferred to the existing office, who in turn reported the already settled account to my credit file. Under the provisions of the 1977 Fair Credit Reporting Act, I hereby request that your agency fix my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: MI

Complaint narrative:
On XX/XX/2021, XXXX sent a certified debt validation letter to security credit services requesting a list of information proving I owe this company debt. The company did respond on XX/XX/2021 but failed to properly respond to the debt validation letter as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
My complaint is with Wells Fargo. I've been with them for the last nine years, and these last two years have been crazy. It's every week that my checking account has been negative. I've called half talk to a total of 4 different representatives, and they have told me other things to do to keep my account from going in the negative, and I had done all of those things. My checking account is still in the negative as of Friday, XXXX the XXXX ; it was - {$300.00}. OK, the 1st representative I've talked to was on Friday, XXXX the XXXX, and she told me to keep a ledger of my spending, and I did that the following Friday, XXXX the XXXX. My account came up negative again, and I called and talk to my representative, and she hung up on me l spent two and 1/2 hours on the phone just to be hung up on by a representative that didn't take the time to hear my concern. And talk to another representative who told me to put all my bills on online bill pay I did that on the XXXX everything seemed to be fine paid a couple of bills. But then on the XXXX that's when everything was back the same I was in the hole with Wells Fargo for {$300.00} and I call and talk to my last and final representative who told me to just start using cash just like he do so I just can't take it anymore I went to the branch and I talked to the service manager and the service manager and she actually listen to me for 2 hours and went over everything in my checking account and when she got to my history of my insufficient funds she said that was enough to have my account reevaluated and put it into escalation and so though I ended up going back and talking to her again that Friday when my account was - {$300.00} was in the negative and I stayed there for 2, and a hours and I'm just yet waiting to hear anything back from Wells Fargo XXXX so this is my complaint I am very unhappy with Wells Fargo, because their over the phone representatives have no compassion whatsoever I was just seen as a number is a number even though I am a XXXX worker I'm worker I have had XXXX I have been hospitalized because of XXXX XXXX From taking care of others and for once I just want someone to take care of me and to listen to me and my concerns because it's not right that every week my account is coming up negative and I am paying my bills I am writing my statements down just to feel as though I am just a number a number to Wells Fargo customer service ...

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 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The credit bureaus refuse to remove the following derogatory remarks after they have been unsuccessful at verifying any of the below. They defy all of the Credit Reporting laws and continue to defame my character as they have experienced data breaches which have compromised my privacy and security. I have just about had it with all that's going on with these bureaus and was advised to reach out to you all prior to litigation. Furthermore the newer law regarding credit laws, The Comprehensive Credit Act of 2020 section 401 specifically states that no items on my credit report for which no agreement / contract has been provided should at all show up on my credit report. However, the bureaus refuse to do anything regarding complying with these laws as well. I've had it and was advised to reach out to you all prior to litigation. 

TransUnion unauthorized Inquiries : XXXX/XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX  : Breaks Hippa laws, not mine, no contract, ( ILLEGAL DATA ) falsely reporting about me : XXXX XXXX {$170.00}. I've never entered into agreement with these folks, who are they? Is the data breach what caused this issue? 

XXXX, unauthorized Inquiries : XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX. There are late payments also reporting for which I've required proof to be shown to me as I do not have on my end anywhere that I paid late for two accounts listed as XXXX XXXX XXXX whether the account was either opened or closed. I had been adamant about providing on time payments. This is a violation of my character which defames me.

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 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The credit bureaus refuse to remove the following derogatory remarks after they have been unsuccessful at verifying any of the below. They defy all of the Credit Reporting laws and continue to defame my character as they have experienced data breaches which have compromised my privacy and security. I have just about had it with all that's going on with these bureaus and was advised to reach out to you all prior to litigation. Furthermore the newer law regarding credit laws, The Comprehensive Credit Act of 2020 section 401 specifically states that no items on my credit report for which no agreement / contract has been provided should at all show up on my credit report. However, the bureaus refuse to do anything regarding complying with these laws as well. I've had it and was advised to reach out to you all prior to litigation. 

XXXX  unauthorized Inquiries : XXXX/XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX XXXX Equifax Collection : Breaks Hippa laws, not mine, no contract, ( ILLEGAL DATA ) falsely reporting about me : XXXX XXXX {$170.00}. I've never entered into agreement with these folks, who are they? Is the data breach what caused this issue? 

XXXX, unauthorized Inquiries : XXXX/XXXX, XXXX/XXXX, XXXX  XXXX, XXXX XXXX. There are late payments also reporting for which I've required proof to be shown to me as I do not have on my end anywhere that I paid late for two accounts listed as XXXX XXXX XXXX whether the account was either opened or closed. I had been adamant about providing on time payments. This is a violation of my character which defames me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
my brother used my identity to get a loan online I found out after discovering it on my credit report i had to go to court to get my name cleared in other accounts. he was eventually arrested impersonating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX has reported that I owe {$1100.00} with the listed account number as XXXX under my social security number. I have made 3 attempts to login to the National Credit systems website to both verify the debt and pay it. I have emailed the company with the issue that the website does not recognize my social security number, the account number the debt is reported under or the " exact amount owed '' listed on their web portal. 

The Original creditor listed is XXXX XXXX Apartments ; however the amount listed in my credit report does not match up to any communications by email or otherwise received from them. 

All communication needs to be via email for legal records purposes and ease of communication. I am located in XXXX and reasonable contact hours are not available from National credit systems. They have my email as I have emailed them multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

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 2021-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: FL

Complaint narrative:
I have sent two debt validation letters to AmeriFinancial. The first validation letter was sent on XX/XX/2021. The company AmeriFinancial respond with a billing statement which did not valid any of the requested Information. The next letter was sent on XX/XX/2021 with was a failure to validate letter, the company did not respond in the 15 day timeframe. This company have failed to validate my debt each time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
WHY is it that Experian & XXXX  have a public record listed in a fictitious name supposedly impersonating me? 

I've contacted the court for the supposed Bankruptcy however they stated that they never verified misinformation about a corporate fiction in my supposed name. I am the living soul, XXXX XXXX. 

Please remove any public records that aren't accurate. 

I've been asking the bureaus this for years!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: FL

Complaint narrative:
I saw this on my credit report and was shocked. I have never even received communication from the original debtor. I have tried and tried to reach the debt collector. I am constantly send to a voicemail and no one calls me back. I have a lease from a home in city hundreds of miles away from when this debt is supposedly occurred

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 2021-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
Bridgecrest XXXX 3rd Party Allegedly states I the consumer natural person owes an alleged debt of {$19000.00} with their company on XX/XX/ I the consumer extended credit to the company XXXX XXXX for a consumer transaction in exchange a used vehicle. These companies violated Federal Laws, TILA, FDCPA, & FCRA. I the consumer delivered to the company legal documents and evidence of their violations and my non obligation to such debts. They also used abuse and misleading information to force I the consumer natural person into complying with their demands and regulations. A breached of my privacy has been initiated on their behalf 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 2021-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I signed an affidavit regarding a forged signature on check issued from Capital One several months back, emailed to address provided, the number provided was called numerous times, Capital One reps do not have any information in re. The amount of which is {$4200.00}. The bank which check was cashed at was contacted, XXXX XXXX, they claim no receipt of affidavit from Capital One. I had reached out to person whom cashed check at the time, unable to obtain funds from, I requested Capital One re-investigate matter, their rep referred me back to person whom cashed check which I do not have contact information for and is not my responsibility to do so. This matter was brought to Capital One 's attention back in XX/XX/XXXX, numerous reps replied in re, including a XXXX XXXX, XXXX, XXXX, XXXX, last rep by the name of XXXX. Capital One stopped payment on check prematurely, reissued check via XXXX while I was on vacation which was intercepted and my signature forged. I've attached check copies here as well as proof of whereabouts time check intercepted and cashed numerous times prior, Capital One reps chose to ignore information or mark complaints has duplicate to avoid addressing. I suspect this complaint might be marked as duplicate which is normal behavior for Capital One reps, if so, complaint will be refiled. I request another affidavit sent to me regarding this check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have requested several times for Experian to remove this fraud alert from my account but they have been unwilling to cooperate. They take it of and without my authorization put it back on.

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 2021-08-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Titan Receivables, Inc.
State: CA

Complaint narrative:
Contacted Titan receivables they say I owe the whole amount I was not supposed to be a cosigner I was deceived I was under the impression that what i was singing was only for a discount.That 's why actually. XXXX XXXX is on there as co-signer not me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: World Acceptance Corporation
State: IL

Complaint narrative:
I reached out to World Finance in reference to accounts number ending in XXXX and XXXX on XXXX  credit file and acct number XXXX and XXXX on the XXXX  file which are the same accounts with World Finance under contract number XXXX. Per the agent is spoke with at World Finance stated the original office was closed and all the account were transferred to the existing office, who in turn reported the already settled account to my credit file. Under the provisions of the 1977 Fair Credit Reporting Act, I hereby request that your agency fix my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally bank says that only primary account holders get monthly statements for accounts. I am a co-holder on a joint account and they will not send me the monthly statements.

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 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
WHY is it that XXXX  & TransUnion have a public record listed in a fictitious name supposedly impersonating me? 

I've contacted the court for the supposed Bankruptcy however they stated that they never verified misinformation about a corporate fiction in my supposed name. I am the living soul, XXXX XXXX. 

Please remove any public records that aren't accurate. 

I've been asking the bureaus this for years!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
In the past I had been contacted by Pay Pal however I felt it was a scam. I now see that at sometime ago I created a account however none of the phone numbers connected to my account are under my ownership. I have just tried to rest my password however the code will be sent to a number not under my ownership. Any activity I feel is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing the following account with Transunion : XXXX XXXX # XXXX & XXXX XXXX # XXXX. 
This consumer agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore the following accounts must be deleted from my consumer report. Failure to respond satisfactorily with deletion of the above-referenced accounts and a free copy of my consumer report after the changes have been made will result in the above actions being taken against Transunion. I will also be seeking {$1000.00} per violation for 1. defarmation, 2. Negligent & Enablement of Identity Fraud, & 3. Violation of 15 USC 1692g.

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 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX IS UNFAIRLY REPOTING FALSE CREDIT INFORMATION ON MY CREDIT REPORT. I HAVE SENT FTC IDENTIFY THEFT AFFIDAVIT TO EQUIFAX 3 TIMES OF THE INNACURAIES, THE REFUSE TO DELETE. I AM A VICTIMG OF IDENTITY THEFT. I SENT CERTIEFIED MAIL OF ALL DOCUMENTS I SENT EQUIFAX WITH THE MOST RECENT SIGNED BY EQUIFAX XX/XX/XXXX XXXX. 


XXXX XXXX FRAUDULENT ACCOUNT SOMEONE HAD AN APARTMENT IN MY NAME USING MY PERSONAL INFORMATION XXXX XXXX XXXX- FRADULENT ACCOUNT SOMEONE HAD AN APARTMENT IN MY NAME USING MY PERSONAL INFORMATION. 

XXXX XXXX XXXX : - FRAUDULENT ACCOUNT UNAUTHORIZED BY ME I CONTACT THE ORIGINAL CREDITORS AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: CA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with non-monetary relief