vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On multiple occasions, I have used the legal protection afforded to me as a consumer by The United States XXXX. I have filed multiple complaints through the CFPB stating Fair Debt Collecting Practices Act laws that MIDLAND CREDIT MANAGEMENT , INC has not abided by. I have mailed an Affidavit of Facts and have not received a response which has to be rebutted line by line with facts. Attached to the affidavit are exhibits with my proof. MIDLAND CREDIT MANAGEMENT, INC is not above the law. They are required by XXXX to follow the laws that have been written by XXXX. Not only does MIDLAND CREDIT MANAGEMENT , INXXXX not follow the laws created by XXXX, but they also threaten me and use profane language against me. I have been threatened with legal action multiple times. This is unfair and defamation of my character. My consumer credit report represents who I am. I have lost job opportunities and I have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account numberXXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
The lender unjustifiably denied credit application on the grounds that the lender could not verify the income, although, all the documents were submitted well in time.

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 2023-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2023 XXXX unauthorized transactions were made from my Wells Fargo Checking Account using XXXX. The 7 transactions were sent to 5 different people, whom I do NOT know. I typically receive an alert from the bank when any XXXX transaction is made ( either to send or receive money ). I have proof of other similar email notifications, but for these particular 7 transactions I never received any notification. The only way I knew money was stolen from my account, was on Friday, XX/XX/XXXX I received a weekly email that I requested from Wells Fargo to make me aware of my ending balance. When I received my email that week, I noticed the balance was approximately short by {$5000.00}. I then logged onto my bank 's website and saw the 7 transactions to 5 people I do not know, totally {$4900.00}. I reported this to Wells Fargo 's Fraud Dept immediately on XX/XX/2023. They closed the account, set me up with a new one and told me they would investigate this theft. On XX/XX/XXXX I was notified that my case was closed and they are not refunding my money. I am awaiting documentation from the Fraud Dept as to what information they used to make this determination. In the interim, I have filed a report with my local police dept., the IC3 ( FBI Internet Crime Complaint Center ), and the FTC. After being a Premier Wells Fargo customer for almost 30 years it is extremely frustrating to be dismissed so quickly with no resolution. After doing some of my own research, I understand that XXXX fraud is exploding across the top 7 banks that own it ( Wells Fargo being one of those banks ), and they are not protecting their customers, they are not returning the customer 's money in most of the cases reported and they are dismissing most all of the cases with no satisfactory resolution for their customers. I am disgusted with their response and am looking for some assistance in correcting this situation and getting my {$4900.00}. returned to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. 
The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX has reported inaccurate information about ( ACCOUNT XXXX ) to XXXX, XXXX, and TransUnion consumer reporting agencies. XXXX XXXX XXXX XXXX, XXXX has failed to conduct a reasonable investigation regarding the disputed information. If a reasonable investigation took place, the inaccurate information would have been discovered and changed accordingly. Instead, the inaccurate information was verified, and no changes were made. The inaccurate reporting of this account is damaging my ability to get credit, negatively affecting my XXXXredit score, and has caused me emotional distress. 
I have disputed the accuracy and completeness of this account with the consumer reporting agencies on multiple occasions and the results come back verified. I have also sent a complaint ( XXXX ) to the Consumer Financial Protection Bureau to resolve the inaccurate reporting and requested the deletion of this account which was declined. 
XXXX XXXX XXXX XXXX, XXXX has failed to satisfy its duty under the Fair Credit Reporting Act 15 U.S.C.1681s-2 ( b ). After my dispute was received by the credit reporting agencies, XXXX XXXX XXXX XXXX, XXXX received a notification from the credit reporting agencies that the account was disputed. XXXX XXXX XXXX XXXX, XXXX responded to the credit reporting agencies confirming the accuracy of the account without investigating, therefore violating the FCRA. This violation has occurred with all three credit reporting agencies and you are liable for the sum of {$3000.00} under 15 U.S.C. 1681n. Additional equitable relief sought is the deletion of this tradeline, with no future reinsertion to XXXX, XXXX, TransUnion, and or any other consumer reporting agencies that may have been furnished with this account information. To allow you the reasonable opportunity to resolve this matter, you have no later than 14 days respond. Failure to respond will result in the escalation of this matter to arbitration. Furthermore amongst checking my report XXXXXXXX XXXX Failed to notify all Credit Reporting Agencies of the DELETION OF The ACCOUNT THEY DECIDED TO REMPOVE OFF OF MY XXXX CREDIT REPORT BUT THEY DID NOT NOTIFY XXXX OR TRANSUNION OF THE DELETION OF THE TRADELINE. XXXX ALSO SHOWS THE ACCOUNT STILL REPORTING AFTER I RECIEVED A NOTIFICATION THAT AROUND XXXX XXXX XXXX THAT THEY REMOVED THE TRADELINE FOR THE ACCOUNT WITH XXXX XXXX WHICH IS XXXX. Which is another violation.

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 2023-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Frontier airlines denied our claim after we canceled a flight and had trip insurance. We are entitled a refund {$770.00}

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 2023-06-28 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: IL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

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 2023-06-28 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: FL

Complaint narrative:
I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I do not have any idea regarding these fraudulent accounts on my credit report. These are not mine.

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 2023-06-28 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: FL

Complaint narrative:
I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I do not have any idea regarding these fraudulent accounts on my credit report. These are not mine.

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 2023-06-28 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: NCB Management Services Inc.
State: NY

Complaint narrative:
I have attempted to dispute hard inquiries and a collection through XXXX I wrote letter Ive reached to credit who informed me that a dispute must go thru XXXX however none of their investigations have yielded any results. I reached out NCB Management regarding this collection which is not my debt nor do I have any contractual agreement with NCB Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
My personal loan account with Mariner Finance was paid-in-full with good standing on XX/XX/2023, but Mariner Finance reported otherwise to all three credit reporting bureaus ( XXXX, XXXX, and XXXX ). The balance is showing as {$1200.00} when it should appear as XXXX and as a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent Please delete

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 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. this list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX 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 written instructions 5 U.Sc. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

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 2023-06-28 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: IL

Complaint narrative:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: CA

Complaint narrative:
credit karma had guaranteed approval for loans credit etc and when Applied it would get denied causing me to take a bigger hit to my credit and making my credit worse

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
We applied and were approved for a new car loan through Toyota Financial Services. We also requested their advertised {$500.00} rebate through their " XXXX XXXX XXXX XXXX ''. The car dealership ( TX ) loan officer said that my child needed to provide an official transcript showing enrollment in an accredited graduate program and a current pay stub to qualify for this program. We provided a transcript from the university XXXX XXXX XXXX  showing that they are accepted, enrolled, and will be starting XXXX school at the university. We also provided a paystub for the past month from a US govt agency showing that they had a job and was being paid through a fellowship administered by the government agency. The loan officer now claims that these documents were not accepted by Toyota Financial Services as proof of enrollment in graduate school and employment. They are now claiming to need letters from the university XXXX XXXX and the government agency stating my child is enrolled and employed, respectively, This really feels like a bait-and-switch program.

Company response to consumer: Closed with explanation