vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: AR

Complaint narrative:
Aspire is in violation of 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15 USC 1692d ( 2 ) and 15 USC 1692f ( 8 ). 
PLEASE CHECK ATTACHMENTS BELOW FOR PROOF OF VIOLATIONS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
i had a credit card with indigo master card ( Genesis FS card services. they gave me a balance of {$300.00} in XXXX of 2020 i paid the balance in full and closed the account. 
now a company by the name of XXXX XXXX capital is trying to collect for {$470.00} indigo has tacked on illegally additional amounts after the card was close and sold it to the above company. i believe this to be fraud on both parts. 

indigo master card Genensis FS card services XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX VA, XXXX Acct # XXXX reference # XXXX this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received in the mail today 2 letters from Wells Fargo. One had a debit card and the other a PIN. I also received a welcome package from XXXX XXXX with checks and deposit slips. Luckily, both were sent to me and I am able to report it. I called both Financial Institutions and reported that I had not opened either of these accounts. 

Wells Fargo confirmed that there was no activity on the account. XXXX XXXX  rep could not confirm since they are not allowed to view that in that department. The XXXX  account seems to have been opened XX/XX/2021. 

I also asked for a fraud alert from XXXX, XXXX 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 2022-02-24 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2022-02-24 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: MN

Complaint narrative:
In Discover Bank 's response to my Consumer Financial Protection Bureau ( CFPB ) complaints -- CFPB complaint ID XXXX and CFPB complaint ID XXXX -- the response provided by XXXX XXXX in Discover 's Executive Office of Customer Advocacy department very clearly and plainly makes public on the CFPB 's website, my name ; my address ; my phone number and information related to my prior Discover credit card accounts. This is a gross misuse of my personal information and personal data ; there is no reason that such private information and personal information should be posted into Discover 's response to the CFPB -- a response that the CFPB will make public to all consumers. Once more, Discover Bank has proven that they are consistently violating my privacy rights, this time by copying and pasting my personal, confidential and sensitive data into their online reply to my complaint, which is now accessible to any person of the public who can view this complaint. Discover is knowingly retaliating against me by making public my personal, private and confidential data through the CFPB complaint process. Discover Bank should have known that copying and pasting the sensitive and confidential parts of their reply to the complaint, into the online and public complaint portal, would knowingly cause that information to be accessed and misused by the general public. Discover has acted in an unfair, abusive and deceptive manner. Discover also does not address their unfair, abusive and deceptive marketing practices in their response ; they only apologize for MY misunderstanding. The issue is not mine. The issue is Discover 's unfair, abusive and deceptive marketing and credit practices, all of which are not addressed in XXXX XXXX. 's response, other than to grossly misuse my personal and confidential data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: PA

Complaint narrative:
I have three loans with lendingclub.com. I had been making regular on-time payments until XX/XX/2022 when due to XXXX I hit a snag. I called Lendingclub.com and was able to cancel my autopay set up with them and set up a deferred interest only payment plan on 1 account. On XX/XX/XXXX, lendingclub.com automatically took out a loan payment. The same day I called them to again revoke my authorization for them to auto debit my account. Since then, they have attempted to debit my account twice ( once successfully ) without my authorization. They are stealing my money and are breaching their own contract and provisions with auto debit authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2022, I wrote a letter disputing the inaccurate account posted on my credit file. I requested from the Creditor to show proof of contract that legally obligate me to the account that report on XXXX. It has been 30-day pass and I have yet to receive a response from Bloom/DSNB. Also, company failed to report the account to XXXX as disputed. Down below you will see the letter that I send out to the company which they failed to respond to in a timely fashion

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 2022-02-24 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: MT

Complaint narrative:
This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. TRANSUNION has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with TRANSUNION. These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the accounts via FCRA Section 605b . They have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX* U S DEPT OF EDXXXX 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 non-monetary relief
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

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 2022-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
Reference to previous complaint XXXX The response to CFPB complaint # XXXX did not include the correction requested for XX/XX/2021 payment made to XXXX XXXX servicer. If Fay servicing LLC corrects that mistake, then the second payment made on XX/XX/XXXX in the amount of {$1500.00} goes towards the principal amount. This reduces the principal amount as well as interest on the remaining principal. It is my humble request to Fay Servicing to look at the complete payment history from XXXX and fix the transactions with Fay Servicing LLC ASAP. I expect the recalculation after fixing the transaction and a refund. 

It is my humble request to assign the complaint to a competent expert to look at the complete payment history of XXXX XXXX and Fay Servicing and explain every transaction in depth while responding Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is a debt on a Washington Mutual account that charged me various insufficient fund fees on the same day. Even up to three charges per a single transaction. They then closed and sold their debt around to some collectors. Washington Mutual has been defunct since XXXX and we are in XXXX and this debt collector is still coming for me. This should of fell off after seven years and this firm, who bought the debt, has tried calling me without giving me information as they give the disclaimer that they are recording. Then when asked what it is about they do not inform me anything but want my personal information which I am not handing over private sensitive information like my address or social security number over the phone. It is now at year 14 and this debt collector insist that this is owed to them. They do tactics to speak to you to reactivate the terms of the claim. I have been silent on them but can not take any more letters, calls, or anything of that sort. Even trying to settle how do I know that will be used to pay off this. The original amount was under XXXX USD and they have no back-up evidence on what was owed then, but have piled interest upon interest to get a payment. Firms like this really prey on people in debt. Again Washington Mutual has ceased to operate since XXXX and 14 years later these guys at XXXX And XXXX are looking for a payment on something the bank already wrote off at the time it cease to operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Specialized Loan Servicing ( SLS ) Address : XXXX XXXX XXXX XXXX, CO XXXX Customer Care Number : XXXX SLS filed a 1099-C on a second mortgage that was legally prohibited at time of short sell in XXXX. 
When this sale occurred we fell under the Mortgage Forgiveness Debt Relief Act of XXXX which has been extended through XXXX. This was our primary residence and we had lived in the home over 2 years. At the time of sell the second mortgage was held by XXXX XXXXXXXX XXXX  Once the home sold we did not get a discharge of debt as the debt collector ( At the time XXXX XXXX XXXX ) was prohibited under the Mortgage Forgiveness Debt Relief Act. ( XXXX XXXX XXXX  ) In XXXX of XXXX we received notice of sale of the debt to SLS and they wanted to establish repayment. We sent a validation letter and explained that this was over 10 years ago and at the time of sale the Mortgage Forgiveness Debt Relief Act was in effect. The next thing we heard back was this 1099-C that we received in XX/XX/XXXX. XXXX states that they discharged XX/XX/XXXX. We are seeking to have the 1099-C withdrawn from the IRS filing XXXX We are also filing a 3949-A with the IRS regarding SPS fraudulent deduction and requesting IRS take legal action to the extent of the law. We are attaching the Warranty Deed on the sale of the home and the fraudulent 1099-C.

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 2022-02-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Im filling a complaint because Ive noticed XXXX XXXX, Equifax, and XXXX are reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how theyre even able to obtain, furnish, and report completely false and inaccurate information on consumers report without maintaining 100 percent accuracy. This is completely against the law, their violating my rights as a consumer. No Im no attorney or anything but I know my rights.We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining 100 percent accurate information and fairness for the right to consumer privacy. the accounts listed in the letters below must be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: FL

Complaint narrative:
Im filling a complaint because Ive noticed XXXX XXXX, XXXX, and Experian are reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how theyre even able to obtain, furnish, and report completely false and inaccurate information on consumers report without maintaining 100 percent accuracy. This is completely against the law, their violating my rights as a consumer. No Im no attorney or anything but I know my rights.We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining 100 percent accurate information and fairness for the right to consumer privacy. the accounts listed in the letters below must be deleted promptly.

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 2022-02-24 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 explanation
Consumer complaint received 2022-02-24 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:
After reviewing my credit report, I discovered some items that were incorrectly reported. The Congress has given me the authority to dispute and change information in my credit report that I believe is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: TX

Complaint narrative:
Victim of identity theft & this account needs to be deleted from all 3 credit reporting agencies. I have attached the police report number for XXXX XXXX as well as the bureaus.

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 2022-02-24 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:
Victim of identity theft & this account needs to be deleted from all 3 credit reporting agencies. I have attached the police report number for XXXX XXXX as well as the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: TX

Complaint narrative:
Victim of identity theft & this account needs to be deleted from all 3 credit reporting agencies. I have attached the police report number for XXXX XXXX as well as the bureaus.

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 2022-02-24 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XXXX XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX 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 non-monetary relief