vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I saw there were fraudulent inquiries on my credit report. I was a victim of identity theft. As soon as I got the notifications I contacted all of the companies listed in the report. I was told to reach out to the Bureaus. I Wrote an affidavit to Transunion and they have not responded to me. Delete these fraudulent inquiries off of my credit profile.

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 2021-10-15 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: TX

Complaint narrative:
On approx date of XX/XX/2021, I mailed a letter certified to Midland Credit Management requesting validation of an alleged debt. The company received the letter on XX/XX/2021 at XXXX XXXX per usps tracking. I was seeking validation of this alleged debt of {$380.00} however, I never received any response from them. I allowed this company over 4 months to respond and they never did. On XX/XX/2021, I followed up with them on this alleged debt seeking answers. They received the letter on XX/XX/2021 per usps tracking. On XX/XX/2021, as dated on the response, Midland claim to have done an investigation to determine that this was indeed my debt therefore, they would not delete it. I have no contract nor have I done any business with this company that is reporting a collection on my consumer report. Midland has not and can not provide me with any adequate proof that this alleged debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: TN

Complaint narrative:
Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Balance : {$690.00} Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$790.00} This is a formal complaint against all three credit bureaus, XXXX, XXXX, and Equifax. I have tried to resolve this by sending a dispute letter to the three bureaus and directly to the third-party collector and creditors but until now I couldn't get a proper resolution to this problem. I was asking for validation of these two accounts to make sure they are both reporting the account 100 % accurately in my credit report because I do see that they are reporting these two accounts inconsistently in all three bureaus. As a result, my score has been affected negatively. Months have passed and I still see the inaccurate reporting of this account. The date of last activity and the date open for instance.. They are are ll reporting on a separate which is very confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I saw there were fraudulent inquiries on my credit report. I was a victim of identity theft. As soon as I got the notifications I contacted all of the companies listed in the report. I was told to reach out to the Bureaus. I Wrote an affidavit to EQUIFAX and they have not responded to me. Delete these fraudulent inquiries off of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC.
State: MN

Complaint narrative:
I am guessing this is either a fraud or Its a paid debt. They said it is something being held after my social security number and That to have to submit my document at court. They also refused to send me documentation to my new address. The woman was very rude and was using my address from XXXX. She also claimed I took out the loan XXXX which may have been possible that is when i had My last job before I filled for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I have 4 accounts ( three checking and one money market ) with BBVA ( now PNC ) and I have no access to these since Monday XX/XX/21. I physically went to the branch on XX/XX/21 and the teller was unable to give me the routing and account numbers due to limitations with the system. She was great but her hands were tied. I am able to login but my accounts are not visible, nor am I am able to complete any financial transactions. 
I have in writing that I would be supplied with these account numbers prior to the merger but nothing was received. 
I hope PNC is heavily fined for this gross negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: MD

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
XX/XX/XXXX balance claimed is {$840.00} contacted cox because name of creditor is XXXX XXXX XXXX collected my AFNI XXXX I have no balance due with them and left in good standing with them back in XXXX not even XXXX. Have disputed many times and gets cleared from account then new amount and new date appears again. When I look up AFNI I see many many people have the same claim this is a scam and fraud and I need it removed. This is not right. Ive never had a debt collection and have paid everything on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
I am a victim of aggrevated identity theft. I have not checked my credit report in years and was astonished to find XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never ever authorized or entered a consumer credit transaction with neither XXXX XXXX nor XXXX  XXXX XXXX XXXX . 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable XXXX Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: TN

Complaint narrative:
Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$690.00} Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$790.00} This is a formal complaint against all three credit bureaus, XXXX, TransUnion, and XXXX. I have tried to resolve this by sending a dispute letter to the three bureaus and directly to the third-party collector and creditors but until now I couldn't get a proper resolution to this problem. I was asking for validation of these two accounts to make sure they are both reporting the account 100 % accurately in my credit report because I do see that they are reporting these two accounts inconsistently in all three bureaus. As a result, my score has been affected negatively. Months have passed and I still see the inaccurate reporting of this account. The date of last activity and the date open for instance.. They are are ll reporting on a separate which is very confusing.

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 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I tried to use my card at multiple locations. It did not work at the last 2 : at XXXX XXXX  and another location. My card has rewards if I use it at an XXXX location or a participating restaurant so I am missing out on my rewards and have to use other cards. Amex has not solved my problem or even tried. I want them to credit me for the rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
My identity was stolen and used to enter unauthorized consumer credit transactions with Nordstrom TD Bank. Attached below is my FTC report. 

Notice, affiant is aware Nordstrom is dissolved in the state of Texas.Therefore Nordstrom does not have the right to collect in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
Bank employees refused to take my payments in cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: IN

Complaint narrative:
Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my report immediately. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft Affidavit. Please delete these items right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: MI

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 
Ive received allegations in the mail from ERC claiming I have an obligation to their company due to an unpaid balance from XXXX. 

Pursuant to 15 USC 1692g ( a ) Enhanced Recovery Company has failed to validate this debt and/or allow me to validate this debt. 

Enhanced recovery has no first hand knowledge of any transaction between XXXX and I, the consumer. 

Pursuant to 15 USC 1602 ( p ) XXXX is in violation of 15 USC 1602 ( p ) as no authorization or written consent was given to XXXX for the conveying of private information about i the consumer to enhanced Recovery Company. 

Enhanced Recovery Company does not have and can not provide an original contract between ERC and myself the consumer pursuant to 15 usc 1692a ( 3 ). 

Enhanced Recovery Company is in violation of 15 USC 1602 ( p ) for unauthorized use of my credit card which is also attached in Exhibit A. 
ERC has reported on my credit standing which has caused me great hardships as the FDCPA is intended to secure my privacy. 
XXXX as the FCRA 15 USC 1681b ( a ) ( 2 ) Enhanced Recovery Company has no written consent from I, the consumer to furnish anything and place it on my consumer report this is a violation. 

As of XX/XX/2021 signed for and received by ERC with the signatures of a representative XXXX via green return receipt which indicates proof of receiving notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update 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 2021-10-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have a regular weekly check senr from a checking account to another savings institutions on Friday of each week. This has been ongoing for more than five years. On XXXX the amount was transferred two days earlier than the Friday of that week XXXX. On XXXX though there was sufficient funds in the account the check was labelled with insufficient funds and iwas charged {$35.00} although there was more than enough $ to cover Bank of Americas mistake on posting the check two days earlier than XXXX. On XXXX i changed the account from which the funds would be withdrawn on XXXX. The $ $ was withdrawn from the original account and not the account which i had designated on XXXX The online banking page still indicates there was a check sent on XXXX although clearly it was not.

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 monetary relief
Consumer complaint received 2021-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021 my husband went to put gas in our car and upon trying to pay with our debt card it was denied. He then proceeded to two more gas stations and the same happened. He called me to see if there was something wrong with the account and that is when I found out after checking online the bank had closed our account no warning no explanations. I called the bank Customer support only to be told to go to the branch to resolve the matter. We went to the XXXX XXXX, Florida branch and were told that the matter was confidential and they could not discuss it. We talked to the branch representative who checked with the home office. The bank representative told us that the matter was with me not my husband and it was labeled " confidential '' and she did not know what was all about. She apologized and said the same thing had happened to her some time back. She advised my husband to open another account and transfer the funds and that would take a few days until all pending items cleared. I have called the bank only to be told the same story, no explanations, no reasons, absolutely nothing. I am an elderly person, no criminal record, excellent credit score. I finally received a phone call from the bank asking me to contact a case worker but I would have to do that at the bank. Today XX/XX/2021 I am going back to the branch to try and find out what is going on!!! This has been very stressful and upsetting for both myself and my husband in our middle XXXX having to be subjected to this humiliation and no explanation. PLEASE 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 2021-10-15 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: TN

Complaint narrative:
Account Name : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX Balance : {$160.00} Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) Account Number : XXXX Balance : {$1900.00} Account Name : XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Balance : {$500.00} Account Name : XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Balance : {$480.00} Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$1500.00} I am formally filing a complaint against Equifax, XXXX, and XXXX. I have been disputing these collection accounts with the credit bureaus since XX/XX/XXXX. I also have disputed this directly with the collectors XXXX XXXX and XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I was asking these collection companies and credit bureaus to simply validate the reporting of these accounts. I'd like to exercise my rights as a consumer to ask for the validity of the accounts I have mentioned above. I am trying to get approved for credit and I am not able to do so because the number of collection accounts that are reported in my credit report. 

I have not received sufficient documents from both the credit bureaus and third party collectors proving that these collection accounts are valid and 100 % reporting compliant with the reporting regulations as mandated by FCRA and FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 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: LEXISNEXIS
State: MD

Complaint narrative:
I send a letter for LexisNexis to validate debt but they have not replied. Letter attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: DC

Complaint narrative:
Back in XXXX I was given XXXX from my mom insurance policy my mom passed XXXX I received the check direct deposit from my mom insurance company called XXXX. The only money I had spent out of my account was XXXX and that was on my all white XXXX XX/XX/21 XXXX I then began to start seeing small charges to my account I then contacted the bank Chime and explained to them whats happening and they told me they would send another card out and shut the old one off I said ok the next following night about XXXX I noticed a charge again for XXXX my card was turned off and my new card was also deactivated so how was a purchase able to come off I called and explain this to them threatened to move my money the next business day Chime had closed my account with the remaining of money in my account. Also with numerous of purchases on my account that I did not authorize please help me Ive reached out to them and also sent emails and no response.

Company response to consumer: Closed with explanation