vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX, XXXX  and XXXX  The collection Agency AD ASTRA RECOVERY SERVICE XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, KS XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2021 and have not received any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. The company has also violated these laws.

- 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.

- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days.

There is over {$10000.00} listed in violations of the FDCPA and if this issue is not resolved i will pursue litigation with this company I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$10000.00} for violations of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
You continue to report account XXXX XXXX after the credit reporting time limit has been reached. Not only is the company reporting inaccurate and inconsistent information, the reporting limit has been reach therefore this account must be deleted IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Open Dealer Exchange, LLC
State: IL

Complaint narrative:
I do not recognize any of these companies they are reported as inquiries on my credit report ..XXXX/XXXX XX/XX/XXXX ... XXXX XXXX XX/XX/XXXX ... XXXX auto XX/XX/XXXX ... XXXX XX/XX/XXXX ... XXXX XXXX XXXX ... XXXX XXXXXXXX automobile dealer XXXX XXXX ... .. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ... ..Us Sm Bus Admin XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I did not authorized or recognize these creditor that are listed on my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I did not authorized or recognize these creditor that are listed on my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I did not authorized or recognize these creditor that are listed on 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 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
You continue to report account XXXX XXXX after the credit reporting time limit has been reached. Not only is the company reporting inaccurate and inconsistent information, the reporting limit has been reach therefore this account must be deleted 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 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX was paid in full. Please remove 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 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Retail Merchants Associates
State: LA

Complaint narrative:
XXXX XXXX was paid in full. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 my car key was stolen, the stolen key was used to get into my my car, my wallet was stolen from the car with my Bank of America debit card, one other debit card, a XXXX XXXX credit card, a drivers license in the wallet, plus my cell phone was stolen. The thief or thieves used my BofA card to make one unauthorized ATM withdrawal of {$460.00} and one charge of {$2100.00} at XXXX XXXX as well as using the other debit card and a XXXX XXXX credit card to make additional charges of more than {$16000.00} at the same XXXX XXXX, plus {$4300.00} at XXXX XXXX XXXX XXXX. I notified BofA of the theft within 24 hours of the theft and disputed the ATM withdrawal and the charge at XXXX XXXX. I provided BofA with the name and contact information for a witness who let me use his cell phone to call XXXX to get a locksmith to cut a new key and program an electronic fob. He can attest I was either in the ocean surfing or standing by the side of the road waiting for XXXX when the ATM withdrawal and charge were made at an ATM and a store 10-12 miles away. I also submitted voluminous documents, which are attached, proving I could not have been present at the bank and the XXXX XXXX where the withdrawal and charge were made, including records from XXXX showing that I was stranded by the side of the road waiting for a XXXX technician to cut a new car key at the time two of theunauthorized ATM withdrawal was made. In addition, the transaction history on my BofA account shows I rarely if ever use my ATM card to make purchases and never purchases of hundreds or thousands of dollars. Nor have I ever purchased any item at the XXXX XXXX store in XXXX XXXX where the {$2100.00} charge was made. I also filed a police report with the XXXX XXXX Police Department, which is also attached. 

The XXXX XXXX services fraud investigator has concluded that the {$4200.00} charges on the credit card at XXXX XXXX  was fraudulent ( that resolution letter is also attached ). BofA denied my claim initially on or about XX/XX/2021 but reopened it when I provided additional documentation. However, BofA again denied the claim on XX/XX/2021. This denial is inappropriate under the Electronic Fund Transfer Act, 15 USC section 1693g because I did not authorize the transaction and timely reported it

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 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX Afni, XXXX Account # : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Creditor Account # : XXXX This letter is to verify that the account listed above has been closed as settled. If information on this account has been reported to the credit bureaus, XXXX will send notification to the credit reporting agencies with instructions to accurately reflect its current status. 
If you have any questions, please contact our office toll free at XXXX Monday - Friday XXXX - XXXX CT. 
NOTE : This is a receipt for payment. However, if the payment received is later determined to be invalid, collection activities will resume, and the balance will again be owed. 
You have the right to inspect your credit. This letter is from a debt collector. Sincerely, XXXX, XXXX. 
XXXX reditor : XXXX, subsidiary of XXXX Original Creditor : XXXX Account # : XXXX Reference # : XXXX XXXX XXXX : XXXX XXXX XXXX. XXXX, FL XXXX ( XXXX ) XXXX https : XXXX XXXX Hours ( Eastern Time ) : XXXX AM XXXX XXXX M Th XXXX XXXX XXXX XXXX F XXXX XXXX XXXX XXXX Sat. 
This is to inform you that we have received payment ( s ) totaling {$350.00}. Your last payment was received in our office on XX/XX/2021. 
XXXX is now part of the XXXX XXXX. 
Your account has been settled for less than the full original balance. All future collection efforts have ceased, and the residual balance will remain with XXXX. 
This agreement is contingent upon the successful clearance of all payment ( s ) made towards this settlement offer ; if any payments ( s ) made as part of this agreement fail to clear, this letter will be null and void. 
XXXX XXXX, Senior Vice President of Operations NOTICE : This is a communication from a debt collector. 
SEE NEXT PAGE OR ATTACHMENT FOR IMPORTANT NOTICES AND CONSUME

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 2021-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
15 U.S. Code 1692g if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

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 2021-03-25 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:
I am very upset after seeing my credit report and noticed these inaccurate and unverifiable accounts, because to my knowledge I do not recall any of these accounts I need this problem get fixed asap. I will not wait another 50 days to receive no response because you obviously ignoring me. Section 611 ( a ) It is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days over so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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:
I filed Chapter XXXX bankruptcy in XX/XX/XXXX. XXXX   XXXX XXXX XXXX was listed as a creditor on the bankruptcy. However, XXXX continue to report negatively during the bankruptcy proceedings. On XX/XX/XXXX, the Chapter XXXX bankruptcy was discharged without contest from creditors. I have consistently contacted XXXX, Transunion, and XXXX, plus XXXX, disputing the the discharged debt. XXXX  dispute came back as the debt will remain, Transunion continues report the debt, XXXX continues to report the debt negatively on my report knowing the debt has been discharged. I have reached out to the Vice President, XXXX XXXX, of XXXX to inform her of the bankruptcy discharged and presented all court documents. Her response was that XXXX lawyers informed her that the debt was not discharged which the evidenced shows the creditor is listed and the debt is discharged on page 3 of 5 of creditor report listing XXXX discharged on XX/XX/XXXX. I feel that I have exhausted all efforts with the creditor. As I read the reviews of other patrons of this finance company, they have shared the same experiences with this company. I have attached copies of the bankruptcy discharge report, trustee notes, creditor 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 2021-03-25 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:
I filed Chapter XXXX bankruptcy in XX/XX/XXXX. XXXX  XXXX XXXX XXXX was listed as a creditor on the bankruptcy. However, XXXX continue to report negatively during the bankruptcy proceedings. On XX/XX/XXXX, the Chapter XXXX bankruptcy was discharged without contest from creditors. I have consistently contacted XXXX, XXXX, and Experian, plus XXXX, disputing the the discharged debt. Experian dispute came back as the debt will remain, XXXX  continues report the debt, XXXX continues to report the debt negatively on my report knowing the debt has been discharged. I have reached out to the Vice President, XXXX XXXX, of XXXX to inform her of the bankruptcy discharged and presented all court documents. Her response was that XXXX lawyers informed her that the debt was not discharged which the evidenced shows the creditor is listed and the debt is discharged on page 3 of 5 of creditor report listing XXXX discharged on XX/XX/XXXX. I feel that I have exhausted all efforts with the creditor. As I read the reviews of other patrons of this finance company, they have shared the same experiences with this company. I have attached copies of the bankruptcy discharge report, trustee notes, creditor 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 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
CAINE WEINER is claiming that I owe them {$280.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I was trying to sell a knife set online. I was approached by a XXXX XXXX who agreed to pay the full price of the set : {$2000.00}. He then sent me a cashiers check of {$3400.00} and told me to transfer {$1400.00} to a XXXX through XXXX. I sent the payment to the supposed shipper and check my account to find that the check bounced. And when I contacted the shipper they declined the refund.

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 2021-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
In XXXX of 2020 I paid off my XXXX XXXX credit card only to find that Commenity Bank assessed fees they have never assessed before so that it could not close. After 2 months they called me with a new balance which I paid half of, even though, again, they were fees that were purposely assessed based on my desire to close the card. I have read a myriad of platforms that suggest this is a predatory process implemented during the Pandemic when XXXX  XXXX itself was closing and going through bankruptcy. This single action and my fight to rid the excess of fees has caused my credit score to decrease XXXX points in 3 months. I have received hundreds of phone calls for now another 2 fees assessed that still equate to below {$100.00}! This is predatory behavior against consumers during a time when our country is in crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I received an email notification from XXXX that on XXXX, a Collections of {$91.00} from XXXX XXXX XXXX , XXXX ( XXXX Account XXXX ) was posted to all three credit reporting agencies. The debt was originally from XXXX XXXX XXXX. I've never lived at XXXX XXXX apartments and I'm a victim of identity theft. I've faxed ( XXXX ) and mailed ( XXXX. XXXX XXXX, XXXX, GA, XXXX ) copies of the police report, driver 's license, social security card, XXXX, utility bill, and rental agreement, to Equifax 's fraud department. XXXX disputes have been filed ( XXXX, XXXX, XXXX, XXXX ), and I've spoken to representatives XXXX on XXXX and XXXX on XXXX, and the Collections is still on my credit report. I've even filed with the XXXX, and it didn't resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: TN

Complaint narrative:
I have contacted the creditors and Equifax numerous times via phone mail online about these fraudulent inquiries on my credit report : Equifax -XXXX  , XXXX XXXX, XXXX /mail, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX , XXXX, & XXXX. These inquiries are affecting my credit score. Please have these removed ASAP as I did not authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Bill Negotiator by experian. The way they have the picture laid out on the service shows that you will pay a {$16.00} fee for a {$500.00} savings for them negotiating your cell phone bill so I signed up and gave them my debit card number. I even thought it was such a great deal that I went ahead and started signing up my second account. But in fact for example upon looking past the tricky way they have it laid out if they saved you {$500.00} a year on your bill they would charge you a {$200.00} fee!!!! That is a ridiculous amount. So quickly on the second one before I hit submit I was able to delete my 2nd bill. However when you go to cancel the first one it says it can not cancel it because it is already in progress then it says your negotiation will begin in 3 to 7 business days. Well obviously that to me means that it is not in progress it has not been started and my money should be properly refunded. They are to be ashamed for a credit card company to proclaim that theyre actually trying to help people w bad credit loose any money they have left and cause them more bad credit!!!

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