vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-27 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: TN

Complaint narrative:
I sent Experian a dispute through the mail and they have failed to investigate/reinvestigate my dispute. I have attached the documents to be corrected/investigated. In addition to the attached documents I have also noticed that the payment history for XXXX XXXX is being reported differently across the 3 bureaus. According to XXXX I understand that their reporting the same information to all 3 bureaus so what Experian is reporting can not be accurate and free from error. In addition Experian is not providing the number or name of contact at XXXX and is in violation of FCRA.

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 2019-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
In late XXXX, I received multiple phone calls from Midland Credit Management regarding overdue debt. On multiple occasions, I told Midland that the person they are trying to reach is not me. I filed a complaint with CFPB ( XXXX ) due to the repeated phone calls I received. In XX/XX/XXXX, I received a letter at my home address from Midland Credit Management regarding overdue debt. This company continues to harass me despite being told multiple times and a formal complain CFPB complaint being filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AP

Complaint narrative:
Attached is the letter inquring about the account and to even settle because I have been disputing Home Depot for almost two years. The final letter recieved stated they are no longer attempting the debt and was written off but it shows on my credit report as a balanced owed.

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 2019-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
In late XXXX, I received multiple phone calls from XXXX XXXX XXXX regarding overdue debt. On multiple occasions, I told XXXX that the person they are trying to reach is not me. I filed a complaint with CFPB ( XXXX ) due to the repeated phone calls I received. In XX/XX/XXXX, I received a letter at my home address from XXXX XXXX XXXX regarding overdue debt. This company continues to harass me despite being told multiple times and a formal complain CFPB complaint being filed.

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 2019-09-27 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: CA

Complaint narrative:
Re : Consumer Complaint Against : EXPERIAN XXXX XXXX  XXXX, XXXX TX XXXX Violations of California Law, Violation of FCRA ( Fair Credit Reporting Act ) and applicable State consumer protection laws. Experian Report # XXXX XX/XX/XXXX Consumer Credit File : XXXX XXXX XXXX XXXX Soc. Sec. xxx-xx-XXXX DOB : XXXX This is a formal complaint to be filed against EXPERIAN credit reporting agency. Please see Report # XXXX dated XX/XX/XXXX ( EXHIBIT 1 ), regarding XXXX XXXX XXXX, Acct # XXXX for {$7600.00}. This incorrect information has been disputed with evidence. It is unlawful for Experian to report information submitted by a credit furnisher if the information has been clearly disputed with contrary information. The information furnished to Experian has been disputed and therefore this account needs to be Deleted from my file consumer file within 30 days of receipt. I have also filed a complaint against XXXX XXXX with the National Credit Union Administration ( NCUA ) Case # XXXX. PROMISSORY NOTE LACKS CONSIDERATION The alleged debt currently being incorrectly furnished and reported in my consumer credit file has many legal issues. Firstly, this alleged debt is not mine. I received no consideration nor proceeds. ( EXHIBIT 2 ), All legally binding enforcable contracts in the State of California require consideration, meaning each party must gain something. Promissory Note Lacking Consideration Is Not Enforceable Terry v. Myers ( October 29, 2012 ) 2012 WL 5307912 (  Unpublished ) California Court of Appeal, Second District, Division 3 Relying on the UCC, the Court of Appeal upheld the trial court 's decision that a promissory note was unenforceable because it lacked consideration. Citing UCC 3-303 ( b ) ( specifically, California Commercial Code Section 3303 ( b ) ) the Court of Appeal held that negotiable instruments, including a promissory note, are subject to the defense of lack of consideration.

Desired Outcome : Delete inaccurate information from consumer credit file 3.  Contract, Account, or Policy # : report # XXXX 4. Order # : account # 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 2019-09-27 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: CA

Complaint narrative:
I have been an ongoing victim of IdentyTheft, I have reported this to the XXXX County Sheriffs Department, the XXXX XXXX Police Department, XXXX, XXXX and Equifax on over 3 occasions XXXX has REMOVED all of the FRAUDULENT ACCOUNTS except for XXXX XXXX XXXX has REMOVED all the FRAUDULENT ACCOUNTS accept TIME PAYMENT EQUIFAX has completely REFUSED to comply with Federal Law, they continue to harm my good name ad character with FRAUDULENT AND MISLEADING INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: CA

Complaint narrative:
I have been an ongoing victim of IdentyTheft, I have reported this to the XXXX County Sheriffs Department, the XXXX XXXX Police Department, TransUnion, XXXX and XXXX on over 3 occasions TransUnoin has REMOVED all of the FRAUDULENT ACCOUNTS except for XXXX XXXX XXXX has REMOVED all the FRAUDULENT ACCOUNTS accept TIME PAYMENT XXXX has completely REFUSED to comply with Federal Law, they continue to harm my good name ad character with FRAUDULENT AND MISLEADING INFORMATION

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 2019-09-27 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: CA

Complaint narrative:
I have been an ongoing victim of IdentyTheft, I have reported this to the XXXX County Sheriffs Department, the XXXX XXXX Police Department, XXXX, Experian and XXXX  on over 3 occasions XXXX has REMOVED all of the FRAUDULENT ACCOUNTS except for XXXX XXXX EXPERIAN has REMOVED all the FRAUDULENT ACCOUNTS accept TIME PAYMENT XXXX has completely REFUSED to comply with Federal Law, they continue to harm my good name ad character with FRAUDULENT AND MISLEADING INFORMATION

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 2019-09-27 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:
I am a victim of identity theft. I have tried, to no avail, to dispute my fraudulent accounts to Equifax. I have repeatedly ( 4 attempts ) provided them with all the necessary documentation including my Identification card ; social security card ; police report ; FTC affidavit ; and a notary attesting to my identity. They still refuse to abide by the FCRA by blocking within 4 days information reported resulting from identity theft. They simply continue to report the fraudulent information. 

According to the Fair Credit Reporting Act 605B Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
I paid off a debt in full for speedy cash I disputed it twice, I tried to upload docs, satisfaction of judgement is in. My score went done twice due to the error in not removing it my score was a XXXX and now and because I disputed and they kept it on my score went down

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc.
State: FL

Complaint narrative:
Someone stole a check from me and used it at XXXX XXXX XXXX XXXX. The store obviously didnt ask for Id to verify the check belonged to the person because I didnt write the check. I have contacted the business years ago and also disputed it with the collection agency and the credit agency. This is still on my credit report and signature on the check is not even mine. This has affected my credit score for years and its time it be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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:
I paid off a debt in full for XXXX XXXX I disputed it twice, I tried to upload docs, satisfaction of judgement is in. My score went done twice due to the error in not removing it my score was a XXXX and now and because I disputed and they kept it on my score went down

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 2019-09-27 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: P.S.C., Inc
State: WA

Complaint narrative:
I spoke to Puget sound collections on multiple occasions and they said the 5 accounts that are showing XXXX balance and open have been settled and was promised to be removed and will be removed. They said the easiest way is to dispute and it should be removed with no problem being they are already at XXXX balance which means there is nothing owed and settled. I had a total of 11 accounts that reported at XXXX balance from Puget sound collections XXXX removed all and XXXX only removed 6 of the ones I disputed and left 5. I have disputed and requested for removal 5 times thru XXXX XXXX and they still will not remove. Puget sound collections agreed and promised removal so I would like the remaining 5 Puget sound collections accounts that is reporting at XXXX balance and open on XXXX to be removed like promised. 

I also have another account with Puget sound collections for {$76.00} that was paid in full on XX/XX/2019 that needs to be removed because it has been settled. I have called and also disputed thru XXXX customer service and they are rude and no follow up or they say there is nothing I can help you with. Every time I dispute thru XXXX it seems it takes multiple times and longer then it should for them to follow up with me and give status.. XXXX has been amazing and very efficient and quick on disputed and following 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 explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MN

Complaint narrative:
XXXX XXXX is claiming I owed them and sold the debt to a collector who has refused to respond to certified mail regarding this debt. I do not owe XXXX any money, I was out of contract when I cancelled my plan with them in XXXX, I believe XXXX or XXXX, I would have to check my records further to confirm the year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On Thursday XX/XX/XXXX I tried to purchase tickets from An individual who said he had two tickets for XXXX  $ so I went for it like an idiot. The person blocked me after payment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-27 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:
Transunion has not provided any proof of XXXX contract or my signature regarding permission to pull hard credit. Transunion nor XXXX have not provided any soild paper or digital contract regarding permission to pull hard credit.one excuse after another by Transunion issues not providing proof from XXXX no contract by transunion or any documents to support by transunion hard credit on my file by 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 2019-09-27 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: WA

Complaint narrative:
I spoke to XXXX XXXX XXXX on multiple occasions and they said the 5 accounts that are showing XXXX balance and open have been settled and was promised to be removed and will be removed. They said the easiest way is to dispute and it should be removed with no problem being they are already at XXXX balance which means there is nothing owed and settled. I had a total of 11 accounts that reported at XXXX balance from XXXX XXXX XXXX XXXX removed all and TransUnion only removed 6 of the ones I disputed and left 5. I have disputed and requested for removal 5 times thru trans Union and they still will not remove. XXXX XXXX XXXX agreed and promised removal so I would like the remaining 5 XXXX XXXX XXXX accounts that is reporting at XXXX balance and open on TransUnion to be removed like promised. 

I also have another account with XXXX XXXX XXXX for {$76.00} that was paid in full on XX/XX/2019 that needs to be removed because it has been settled. I have called and also disputed thru TransUnion customer service and they are rude and no follow up or they say there is nothing I can help you with. Every time I dispute thru TransUnion it seems it takes multiple times and longer then it should for them to follow up with me and give status.. XXXX has been amazing and very efficient and quick on disputed and following 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 explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I had an Amex bluebird card. I was using for direct deposit of my payroll. The company closed my card down and did not notify me. I found out when I tried to use my card and my transaction was declined. I had over XXXX remaining on the card and they havent given me my money nor am I able to contact them by phone they wont except my call says account closed send them a letter. This happened in XXXX of 2019 and its currently XXXX and still I dont have the remaining funds that were left on my account. Nor have they sent me a statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: NV

Complaint narrative:
My U.S. Bank Account Number : XXXX was overdrawn amounting to {$120.00} But, My transaction history dated XX/XX/2019 Trace ID number XXXX has a customer deposit of {$100.00}. On XX/XX/2019 Trace ID/Ref number XXXX has an overdraft fee of {$36.00} paid by the bank and I was left with nothing. I reported the problem with U.S. Bank employees and they printed all kinds of figures that I owed {$120.00} and will be reported to Consumer Reporting Agencies, which may prevent me from obtaining services at other financial institutions. The said letter was sent by U.S. Bank Cbdm - DDA Default Services Phone : XXXX. The money involved is only {$100.00}. - {$37.00} = {$62.00} The question is what happened to my balance of {$62.00}? The bank location is on U.S. Bank, XXXX XXXX XXXX XXXX 's Branch at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. Thanks for your help.

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 2019-09-27 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I am a victim of identity theft therefore I often check my credit reports across the three most popular bureaus XXXX, XXXX and XXXX. On XX/XX/2019 I additionally requested a copy of my credit report from another reporting agency, Chexsystems. When I received the results from Chexsystems it was founded there were 0 accounts delinquent but there had been several attempts to pull my credit accruing several inquiries. I reached out to chexsystems to make them aware that it was fraud attempts on my name and requested to have the inquiries removed. I then submitted a written request to have the inquiries removed. I have yet to see results. The companies reporting inquiries include 3 attempts  from XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX. These accounts are Unverifiable. Please remove ALL inquiries for they are not mine and consequently are having a negative impact to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Requesting information in regards to my VA Senior loan with Wells Fargo. Also wanted to know was my home ever foreclosed on or not prior to the release of Mortgage from Well Fargo? Because there are some discrepancy in regards to my past VA home mortgage loan with Wells Fargo in regards to past started foreclosure proceeding that were dismissed, as well a Deceptive practices and fraudulent activity. I have also requested copies of my entire past bill itemized payment history but have yet to receive it from Wells Fargo which was over 7 months ago now. I also wanted to know was the taxes on the home paid for by wells Fargo until XX/XX/2018 upon the congratulation letter and release of mortgage to me? Was the home foreclosed on prior to the release of Mortgage recorded on XX/XX/2018 being that all the parties were a part of the foreclosure lawsuit case number XXXX XXXX County Illinois Chancery court? The foreclosure lawsuit case number XXXX case was dismissed by Wells Fargo, and then I was given a release of mortgage stating that I was the owner of the home by Well Fargo attorneys as well? Wells Fargo attorneys stated I saved my home and I have evidence of that. Im requesting some answers. Please review the documents and exhibits submitted with this complaint. This is only 25 % of deceptive practices evidence that's submitted in this complaint.

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 2019-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collins Asset Group, LLC
State: NC

Complaint narrative:
Original purchase amount in XX/XX/XXXX was {$XXXX}. 
Car was repossessed in XXXX of XXXX with only one payment of XXXX not paid. 
They are reporting that I owe XXXX on a car that I do not have and didnt originally cost that much and almost a year payments paid on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation