vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Received Email back in XXXX saying I owed a debt I electronically filed a dispute with them at XXXX as requested on the email they sent me. They failed to get back to me with the information that I requested as I have no knowledge of the debt. I have now learned that they have placed a collection record for the past 2 months with the credit bureaus. 

As I disputed this and they failed to provide me with any information whatsoever, they have no legal right to place that record on my credit reports and I requested that they remove them immediately. They have failed to acknowledge my emails confirming that the collection will be removed but did confirm that they will research the debt and get back to me. In the meantime, between their failed attempt to validate the debt back in XXXX, they illegally placed a collection on my credit report which I need removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
accounts contain incorrect information such as late payments and missing payments that affect my history also accounts in collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Money disappear from my account and I was told since it was from ATM and others from different reasons I was denied my funds back and also from time to time I would see amounts of money gone from my accounts. I also applied for loans and credit cards from them and we're denied immediately and my credit score is not that bad plus I've been with them since XXXX and I have encountered numerous problems through out the years.

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My information on your record is incorrect, you have my SSN number as XXXX and it's not that number. Also my surname is mispelled.

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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I filed a dispute and the creditors and Equifax, Im not liable for this debt with XXXX XXXX account number XXXX. Also XXXX XXXX account number XXXX. I do not have a contract with XXXX XXXXXXXX XXXX XXXXXXXX XXXX they did not provide me with the original contract as I requested

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
On XX/XX/XXXX I received a letter from the court house stating a default judgement was decided against me by the XXXX XXXX. 

I had contacted this debt collector in timely response in XXXX when I received a letter stating I owed $ XXXX to them. 

Upon contacting the debt collector the original account was assigned to an address I have never lived at and was for a creditor ( XXXX ) which I have never once had any form of account with. 

The lady on the phone did nothing to help further a resolution to this she simply asked for my current address and said they would mail me some documents and follow up with a call. None of which had happened. 

They continued, despite my dispute and request for more info, to continue a legal suit without my knowledge. They then humiliated me by filing the court case in public records, and defamed me and my credit for a debt which is in no way shape or form my responsibility. They have never gave me more info and have ignored me just to steal roll a judgement through the courts without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting 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 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 an 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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 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 an 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 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I mailed a letter to the agency asking for agency to validate the debt. It has been over 30 days and the agency has not provided/ mailed any correspondence

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Company has called me numerous times throughout the day every day. I have already advised them to stop contacting me. They continue to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I NEED THESE ACCOUNTS AND THESE INQUIRIES DELETED SINCE YOU HAVE TO SEE THAT THEY HAVE INCORRECT INFORMATION. 

XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The persoanl information is incorrect, The personal data reporting is inaccurate. 

XXXX XXXX XXXX XXXX XXXX, NJ 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 2023-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Revco Management, LLC
State: NC

Complaint narrative:
I received a text message today from Revco Solutions - Debt Collector - out of the blue. First, I find it very interesting that this does not violate the third party rule under the FDCPA as this company identifies they are collecting a debt in the text - and they have no way of verifying that I was not in a public location when I received the text. 

Second, Section 1006.6 ( d ) ( 5 ) ( i ) of Reg F indicates that a debt collector can only send a text to a consumer if a consumer has previously used the number to communicate with said debt collector via text- which I never have. 

Also, Section 1006.6 ( d ) ( ii ) of Reg F indicates that the debt collector must be able to show that they used a complete and accurate database to confirm that the telephone number had not been reassigned since the date of the consumers most recent text- I highly doubt Revco is able to provide such, since I have never communicated with them via text. If so I would love to see the evidence of their verification from that database. 

Lastly, Section 1006.6 ( d ) ( ii ) of Reg F allows a debt collector to send a text to a telephone number if the debt collector directly received from the consumer prior consent to use the telephone number to communicate via text, and the consumer has not withdrawn that consent. Revco has never, and will never have consent to contact me via text message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Comenity Bank/Now XXXX XXXX I have a credit card with this company. I had a 2 couch purchase in XXXX  with 0 % interest for 4 years. I have diligently paid every month for that time. My balance was down to {$100.00} the final month for which payment was due XX/XX/XXXX. My minimum payment was {$530.00}. I paid {$600.00}. Every month I pay the minimum payment and money is applied to the Promotional balance. In XXXX, {$76.00} was applied from my payment which was lower than XXXX. I figured with my paying {$65.00} over the minimum due, that that would cover the remaining {$100.00}. I called the institution on XX/XX/XXXXXXXX  to make sure that my {$600.00} payment covered the promotional balance due. I was assured in no uncertain terms ( twice ) that it DID cover the promotional balance. I asked for this to be notated on their system. The representative stated that ALL calls are notated. Today, on XX/XX/XXXXXXXX  I received my XXXX statement that was mailed on XX/XX/XXXX, stating that I still owed {$28.00} on the promotional balance and that it was due on XX/XX/XXXX. This would mean that I will likely be charged 4 figures in interest dating back to XXXX. I was diligent with the payments on this account. I verified I covered the balance, yet, this happens. 

Let me add that the XXXX statement reads as follows : " Warning : Promotional plan ( s ) ending soon, if you do not pay your plan WV INT XXXX XXXX XXXX of {$100.00} by XX/XX/XXXX any remaining balance will be assessed interest at the standard purchase APR. '' In the XXXX statement, the verbiage is changed : " Warning : Promotional plan ( s ) ending soon, if you do not pay your plan XXXX XXXX XXXX XXXX balance of {$28.00} by XX/XX/XXXXXXXX  any remaining balance will be assessed interest at the standard purchase APR. This payment needs to be IN ADDITION to your minimum payment due. Then there was some language about automated payments, which I do not have. 

The company never makes clear what amount would be necessary to pay off the promotional balance, while keeping in mind that even minimum payments have funds applied to the promotional balance. It is funny how there never was verbiage about the payment needing to be done IN ADDITION to your minimum payment due on XXXX 's statement. Also, note that the statement was mailed on XX/XX/XXXX for a payment that was due XX/XX/XXXX. 

Bottom line : I was assured on XX/XX/XXXXXXXX  that my payment of {$600.00} covered the promotional balance. I called the institution today and voiced my complaint. They stated that they have filed a grievance on my behalf and would receive a mailed answer in 7-10 days. This is my second issue with this CC company. I am going to find another CC company to transfer my balance to once they have corrected this obvious mistake. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: William D. Meeker Enterprises, Inc.
State: TX

Complaint narrative:
I was looking for a HELOC rate, so I searched online and found this company. Spoke to the representative and not once did I ever authorize or give permission to have a hard Credit pull. Come to find out he pulled a hard request. I have emails to provide as proof as well. Once I contacted the company, they were very hesitant and apprehensive to resolve this problem. I filled out paperwork for this company so they can dispute it with the reporting agency, but still have not heard anything back. I would like that hard pull removed from my credit report. I never gave my Social Security number out, so I am not sure where he got my Social Security number from to pull the inquiry from. Very concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: WI

Complaint narrative:
I am writing to deleted the following information in my file. The items I need are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the federal Trade commission and I also enclosed copies of the federal trade commission Idenitity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible its holding my life back XXXX in the process of purchasing a home for me and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i recived a copy of credit report and i noticed one account on my credit file that not mine i never applied for and needs removed from my account listed the accounXXXX XXXX XXXXXXXX, XX/XX/2023 {$430.00} ( XXXX ) XXXX can you please remove all the enquiries

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 2023-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX  I opened futile attempts in at least 3 attempts to have Citibank to correct the dispute amount for services not received, Citibank has Personal knowledge that I spend Time and Money for the same Services I ended up paying a 2nd Merchant to do properly the service I needed. 
Now I'm receiving by mail an Attempt to collect the Amount I Fully legally Disputed, I'm returning the mail Stating " The Account has been closed previously due to the Incompetency of Citibank to resolve my dispute, even its last letter they stated has been resolved, what they resolved? Nothing. 
I'm including its last letter and the copy of the mail received stated to return to sender. 
If Citibank Persists with this collection attempts and/or report the amount disputed to the credit Bureaus, I'll initiate a legal action in Court against Citibank.

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 2023-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: CO

Complaint narrative:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XX/XX/2022 {$6500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I XXXX XXXX consumer who is a victim of identity theft. XXXX, XXXX and Equifax has used and furnished my consumer report without my authorization consent or written instruction. My information was shared to non public personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which XXXX, XXXX and Equifax has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insure that consumer reporting agencies exercise their responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, ID, and statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting 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: KY

Complaint narrative:
I XXXX XXXX consumer who is a victim of identity theft. XXXX, Experian and XXXX has used and furnished my consumer report without my authorization consent or written instruction. My information was shared to non public personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which Experian, XXXX and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insure that consumer reporting agencies exercise their responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, ID, and statement.

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 2023-10-26 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/2023, my family and I travelled to XXXX and decided to use our Chase credit card for purchases as protection against fraud. My husband used the card to purchase an item from a small market vendor that cost XXXX XXXX XXXX ( approx. {$220.00} USD ). The merchant charged our account {$3500.00} USD! This is INCORRECT and I believe deliberate. We did not see the fraudulent charge until we returned home to the US several days later. Friends that we were travelling with also had a similar incident happen to them at the same marketplace. We also had a local tour guide on another excursion warn us that this is a common scam that merchants are doing to tourists in XXXX. 

There is no question that this transaction is NOT ACCURATE! I have made 4 phone calls to Chase and two letters explaining the situation and the company continues to tell me that their investigation concludes that the {$3500.00} USD charge stands.

Company response to consumer: Closed with explanation