vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
On XX/XX/2023 i went inside the speedy cash pay loan day to pay XXXX cash and i did NOT got the loan back. I was going on vacation on XX/XX/2023. So decided to pay the loan off. On XX/XX/2023. They withdraw another XXXX of my account i contacted them on my vacation time arguing the issue. Yes, i did made a, mistake of not getting the received. As, i told the manager you should see the camera and see that i pay that the the full loan and not re load. i have been fighting this for a while. i have visit other payday an it look that we have a few employee that do take your money but DO NOT process the information of the payment and keeping the money. Now i explain to my back. The bank has the information that i withdraw XXXX on that day. Like i told my bank, after i withdraw the money around XXXX to XXXX minutes i when to pay speed cash advance right behind their office. i pay my load and theXXXX XXXX and they double charge and dont want to look at the camera to confirm what happened. There's some people that go to re-load their card and the clerk don't load the card. They have been stealing money for customers. The clerk that did my stealing, i go there and she smile at the situation and the other guy XXXX  XXXX  ones i walk in. Please i work so hard for my money to pay them and they want to steal my money. I lost time, gas, been under stress and health issues behind this people. please make sure that you request does video if they not erase those videos already. The manager she said her name was XXXX she give phone numbers to call but no good numbers. She was so rude she told me for me to go to a website and look for the video on that day. I told her you should look at them you have access. She said for me to do it. She also said that she wasn going to blame her worker. Like i told her i been coming here for a while if you didnt took my extra money i would not be fighting. I told her that they need to stop doing this things to their good customers. I say they don't fight but i did pay on the XXXX XXXX and i need the money that you withdraw extra from my card. Please help me with this matter .please look at the video. XXXX XXXX approximately between XXXX XXXX to XXXX XXXX  you will see me there. 
INformation : Speedy cash, XXXX  XXXX XXXX XXXX. XXXX XXXX. XXXX Manager XXXX maybe a wrong name too. please contact me regard this matter. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have a business account with Bank of America. A customer service representative took my name off an account that my company owns, I am the sole owner of the business. A customer service representative pulled up the signature card from where I had opened the account over ten years ago. He made me prove who I was. I was angry. While they did correct the problem after they put me through XXXX. It was no big deal. Today, I am filing this complaint because of another error that they have made on behalf of a loan that I have with Bank of America. 

They need to be held accountable for this action and for the loan on my RV. It should be a crime on how they have handle my accounts.

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 2023-08-09 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: NV

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.

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 non-monetary relief
Consumer complaint received 2023-08-09 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: OH

Complaint narrative:
XXXX XXXX has been reported to Experian in the amount of and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX has failed to send a initial communication letter to the consumer ( XXXX ) which is a violation under the FDCPA 15USC sec.1692g ( a ) Notice of debt ; contents Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ect. XXXX XXXX has failed to notified me of debt therefore requesting Experian to remove this Collection from 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 2023-08-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXXXXXX  : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX  : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX  : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXXXXXX XXXX  : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 



Sincerely, 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 2023-08-09 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:
EXPERIAN AND XXXX XXXX..REFUSE TO EXCEPT MY DISPUTES. EXPERIAN REFUSES TO DO THERE JOB CORRECTLY VIOLATING MANY LAWS
Account name
XXXX
Account number
XXXX
Account name XXXX XXXX XXXX XXXX
Account number
XXXX
Account name
XXXX
Account number
XXXX  Account name
XXXX XXXX XXXX XXXX
Account number
XXXX  Account name
XXXX
Account number XXXX
Account name XXXX XXXX XXXX XXXX
Account number
XXXX
Account name
XXXX XXXX  Account number
XXXX  ACCOUNT NAME 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 2023-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I found there are three fraudulent credit card accounts on my credit report from XXXX. I called XXXX, and they have frozen my credit score and disputed the collections amounts. 
XXXX fraudulent credit cards from XXXX bank. XXXX collection amount is {$5700.00}, and another collection amount is {$15000.00}. The credit report shows that these two accounts were opened in XX/XX/XXXX. They are all fraud accounts, I have never opened a credit card at XXXX Bank, and I do not recognize these two credit card accounts from XXXX Bank. 
XXXX fraud credit card from wells fargo bank. The collection amount is {$2500.00}, this account showed was opened in XX/XX/XXXX and closed in XX/XX/XXXX. I have never opened any credit card at that time only had the account opened for 5 months. Its a fraud account, I do not recognize this credit card account. 
My social security number must get stolen from the letters I put in my recycle and my identity was stolen to use an open credit card.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 

Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.

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 2023-08-09 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: PA

Complaint narrative:
I have been disputing this credit card account ending in XXXX for several months. 
On XX/XX/2023 I spoke with XXXX XXXX XXXX  XXXX team and claims team. This called was monitored and recorded. I let the agent know that this account was indeed fraud didn't belong to me. A few days letter I received a letter from XXXX XXXX XXXXXXXX stating that they have completed the review and my dispute was resolved and no additional action was needed and the account would be deleted from my credit reports within 30 days. 30 days has passed and the account is still reporting. TodayXX/XX/2023 I called and was told they never sent a letter in XXXX and the dispute was denied in XX/XX/2022 this call was also monitored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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 have been disputing this credit card account ending in XXXX for several months. 
On XX/XX/2023 I spoke with XXXX XXXX XXXX XXXX team and claims team. This called was monitored and recorded. I let the agent know that this account was indeed fraud didn't belong to me. A few days letter I received a letter from XXXX XXXX XXXX stating that they have completed the review and my dispute was resolved and no additional action was needed and the account would be deleted from my credit reports within 30 days. 30 days has passed and the account is still reporting. Today XX/XX/2023 I called and was told they never sent a letter in XXXX and the dispute was denied inXX/XX/2022, this call was also monitored.

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 2023-08-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I recently purchased furniture from a local furniture store ( XXXX XXXX XXXX ) for a purchase price of {$2400.00} not including tax. They said I could do a lease option purchase with Acima with no interest and a fee of {$50.00} as long as I paid it off in 90 days. I decided to go this route. 

My total purchase amount should be {$2400.00} plus {$50.00} ( acima fee ) & taxes ( {$220.00} acima indicated ) for a total of {$2700.00} for the couch if paid off in 90 days or less. Acima has since sent me paper work that raised that amount to {$3200.00}. Also the initial price of the couch was wrong. 

My physical paperwork from XXXX 's says I owe {$2400.00} plus taxes to acima and that is it. It doesn't say anything about extra fees. This is false advertisement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09 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:
To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 



XXXX XXXXXXXX XXXX Opened XXXX {$570.00} XXXXXXXX XXXX XXXXXXXX Opened XXXX {$900.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Emergent Business Group, Inc.
State: GA

Complaint narrative:
Emergent Servicing has repeatedly called my phone number from multiple phones from around my area. Harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
According to my Chase card statement, my payment of my {$1100.00} balance went through on XX/XX/23, after which my balance was {$0.00}, on the same day, XX/XX/23. I was then charged {$22.00} in interest on XX/XX/23, the day after my balance was {$0.00}. I am complaining that I was charged interest after my balance was {$0.00}. A {$0.00} balance should incur no interest. 

I tried calling Chase customer service to request a refund of the {$22.00} interest charge but was told by the representative that there was nothing she could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: FL

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX ; Inquiry : XXXX XXXX Inquiry Date XX/XX/2023

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