vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Someone opened new account for XXXX XXXX XXXX XXXX credit card that appears on my credit report.! Also used my XXXX credit card for shopping. Please it should removed from my report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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:
XXXXXXXX XXXX XXXX XXXX XXXX / 30 days late in XXXX 2020, XXXX 2020 and XXXX 2020. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX / 30 days late in XXXX 2020, XXXX 2020  and XXXX 2020. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Following information is being reported Inaccurately and I am requesting that all items listed below be DELETED Immediately since I have been requesting them to be removed for more than twelve months. 
TRANSUNION - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX TRANSUNION - XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TRANSUNION - XXXX XXXX XXXX TRANSUNION - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX  XXXX XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Following information is being reported Inaccurately and I am requesting that all items listed below be DELETED Immediately since I have been requesting them to be removed for more than twelve months. 
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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
received a copy of my credit report and found some serious violations of the FCRA. 
It is illegal for the original creditor which is Wells Fargo Dealer Services to Re-age a negative account that has been closed for years!!! This Account has been re-aged from the original first last date of delinquency and closed date!!! This account was closed and reopened without any consent or notified to me. This a serious matter and violation of the Fair Credit Reporting Act. I'm not playing with this erroneous errors on my credit report and will not allow you to violate my rights as a consumer. I am also filing a complaint with the Federal Trade Commission. 

WFDS Account Number : XXXX Please delete and remove from my credit report immediately.

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 2022-02-19 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 have sent 1 or 2 certified letters to Transunion requesting old information ( incorrect name listing, old addresses, old employers, phone numbers, etc ) be removed from my credit report. I have also spoken with representatives over the phone regarding the same issue. My report has not been updated. They ignore my request and send me a letter with a requested copy of my credit report ( which was NOT requested ) with the same old information listed.

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 2022-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I am a XXXX working on XXXX XXXX. On XXXX XX/XX/2022 I send money USD XXXX from Western Union to my XXXX XXXX. XXXX confirmed transaction as successful and that XXXX XXXX will be available in XXXX XXXX account on XX/XX/2022. Tracking Number : XXXX XXXXXXXX. However money did not reached the destination. On XX/XX/2022 Western Union mailed me that they are unable to complete the money transfer thereby refund process will take 5 - 7 days. When USD XXXX was not credited to my salaried debit card i contacted Western Union and they said we escalate the case providing me the reference number XXXX. I am continuously in contact with the company but they are saying we are investigating and still my money is not credited to my debit card. 25 days have gone. Please help me to get refund my money. I am attaching the email from the XXXXXXXX XXXX  that they have not received mentioned transaction from Western Union. Thanking You for your help. God Bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  / XXXX / {$2500.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX / XXXX / {$9500.00} XXXX XXXX XXXX XXXX XXXX / XXXX / {$800.00} U XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX / XXXX / {$4600.00} XXXX XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX / {$430.00} XXXXT / XXXX / {$0.00} XXXX XXXX / XXXX / XXXX 15 U.S. Code 1681i - Procedure in case of disputed XXXX ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
About 2 months ago, I received a notice of debt owed from Nationwide Credit , Inc ( www.ncirm.com ). I was not worried about it because the last 4 of the account number, the amount and the middle initial of the owner did not match my own personal information. 

I bank with XXXX XXXX XXXX and the account in collections is also through the same bank so I contacted XXXX on XXXX/XXXX/2022. I spoke with the collections department, and they verified that neither the account number nor amount matched any account I have or have ever had. 

I wrote to Nationwide Credit on XX/XX/2022 clarifying that I am not the named party and requesting debt validation in the hopes that they would realize their mistake. Fast forward to XX/XX/2022 and I received one page of the debt validation report which contains all of the named party 's personal information. His address, DOB, SSN, his email address. 

This is incredibly irresponsible on the part of Nationwide Credit , Inc . They have given me, a stranger who lives XXXX miles away in a different state, access to all of this man 's personal information simply because our first and last name 's are the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
Original judgement 2014 bought from XXXX by Glasser & Glasser. Garnishments initiated. Continues to re-initiate garnishments during that time making payments made irrelevant. Example : amount owed $ XXXX made $ XXXX re-initiation of garnishments {$7100.00} attorney, {$590.00} judgement, {$93.00} garnishment. The newest garnishment filing is amount due $ XXXX payments made $ XXXX {$680.00} judgment/ {$7100.00} attorney/ {$93.00} garnishment. We are getting garnished {$800.00} a month and the money doesnt even go to paying off the judgment and it never will, it only covers everytime the have to re-apply for garnishment. We have paid well over the amount of the loan at this point. We tried to negotiate a settlement with them and was refinancing our house to get the money but when they found out we were refinancing they would no longer accept the negotiated amount of {$16000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PNC Bank N.A.
State: PA

Complaint narrative:
The creditor XXXX has been reporting false and inaccurate information regarding old student loan debt to all three major credit bureaus. After filing initial claims against their reporting in XXXX, the creditor sent threatening letters stating that payment was due immediately or that I would be sued in court for the debt. When I disputed their claims again they sent a threatening letter demanding that I file a police report regarding my claims or to risk legal repercussions regarding the debt. More recently on XX/XX/XXXX after speaking to the creditors Loan Representatives to dispute their claims and requesting payment and billing information which was refused to me, the creditor is now furnishing even more false and inaccurate information with the three major credit bureaus intentionally to damage my credit standing. One agency as dropped my credit score XXXX points do to the negative/false inaccurate information. The accounts managed by this creditor is closed, but they have recently begun reporting the debts as open and with current missing payments. This reporting status means that the creditor is attempting to collect a debt in direct violation with the Department of Educations Pause on Student Loan collection, which covers defaulted student loans. This is also a violation of the stop collections protections given under the borrowers defense to repayment claim which was filed on this loans by XXXX. The accounts are also listed as charged off but theyre still carrying a balance. This creditor has also violated FCRA and FDCPA consumer protections in their reporting and attempts to collect on the alleged debts. I ask that XXXX be reprimanded for these actions and practices under applicable laws. I also request that this creditor remove all accounts/information regarding this inaccurate debt with all credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Agency of Credit Control
State: CO

Complaint narrative:
I went to XXXX XXXX XXXX XXXX to get veneers put on my four front teeth. They prepped my teeth and fitted me with temporary veneers ( that are meant to last 2-3 weeks MAX ). I made an appointment for two weeks out and pre-paid for the rest of my procedure. I had previously already paid for the temporary veneers and prep-work. 

XXXX XXXX XXXX XXXX ended up cancelling my appointment due to COVID. I attempted to reschedule over the next 2-3 weeks and they did not answer their phone regardless of what time/day I called. I went to another dentist who told me if I did not get permanent veneers soon, the prepped teeth will begin to rot and I could lose those teeth completely. I went to a third dentist for a 3rd opinion and he agreed. 

I ended up getting the work done at another dentist ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX ) and they completed the work. I paid them {$4500.00} for the work. I attempted to call XXXX XXXX several times to cancel as they were not able to do the work within a reasonable time-frame after payment. They never returned my calls so I had my bank cancel the check I had written to them. 

They never performed the service they are attempting to collect for and delaying treatment ended up costing me more money ( I had to pay more for another dentist to fix their work than I initially would have in the first place ). 

I've attached a credit card statement showing that I paid a different dentist completely ( XXXXXXXX XXXX  ) for this service and that I ended up paying close to {$2000.00} more than I would have had XXXX XXXX honored their side of our agreement to do my dental work. 

This collection company also served me a notice that appeared to be a lawsuit in the state of CO. However, after calling the court system on the notice I was " served '' I learned that no lawsuit has been filed. This is incredibly predatory to have fake lawsuit documentation and brought to my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I received notification in XXXX of XXXX that the debt was no longer owed due to the absuive tactics that the two companies I will list below attempted in hopes of receiving money. 
In XXXX of XXXX the XXXX account was closed. Amount was decreased by {$980.00} I then started receiving multiple calls per day before and after the XXXX and XXXX limit, threatening legal action from XXXXXXXX XXXX Collectors. I submitted a claim last year against this agency and my disputed information was found accurate. 
In XX/XX/XXXX, the account was closed and the debt was removed from my report. 
In XX/XX/XXXX XXXX XXXX  sold the account to Midland Credit Management, I have received multiple phone calls again, tried to contact the number on the paper multiple times to ask why this debt is again being reported on my credit report. 
Now it has lowered my credit score and now there is a {$1000.00} amount on my report. 
I do not owe this debt, I have been harassed for over two years. I thought I had this taken care of with my previous dispute and accurate conclusion to that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank credit card was contacted disputing XXXX charges XX/XX/XXXX XXXX {$180.00} XX/XX/XXXX XXXX {$70.00} XX/XX/XXXX XXXX  {$140.00} TD Bank responded XX/XX/XXXX that the charges were valid, providing invoices from XXXX showing my name and billing/shipping address. Emails on the order are not My email addresses. I never ordered anything from XXXX ever The items were not ordered by me, not requested by me, not shipped to me, and not received by me. 

TD Bank says they can not help and contact XXXX. 

XXXX says that since it is past 60 days they will not discuss

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My wallet was stolen maybe 2 months ago and since then my credit has been ruined because after having fraud alert on alll my accounts- It was impossible to pay for almost anything without having my card denied and I totally spaced on this account. If you guys could do me a solid and let me pay it off in full Because I really am homeless now I lost my apartment and Im trying to apply for one but my credit its just ruined

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 2022-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXXT / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX / {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX  / XXXX / {$9500.00} XXXX XXXX XXXX XXXX XXXX / XXXX / {$800.00} U XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX / XXXX / {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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