vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
We have two deductions taken out of our checking account showing " DEBIT CARD PENDING CORRECTION '', I contacted Wells Fargo and they are aware of the issue but have no idea when it will be corrected, this caused our checking account to go into the negative. Also, I have XXXX deposits/ credits that are not available 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 2023-10-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
I am writing in response to the communication I received from Transworld Systems Inc. regarding an alleged debt associated with Account # [ XXXX ]. According to Title 15 USC 1692a Congressional findings or declaration of purpose, you are hereby informed that as a result of your fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. Your company and its agents are harassing me for an alleged debt that was not properly verified.Your company shared statements as well as a copy of a consumer contract as evidence of the debt but as per the judgment in the case of Pacific Concrete F.C.U V Kaunance a copy of the consumer contract is not sufficient evidence of the debt. 
I received your notice dated XXXX XXXX, which included documents purporting to support the validity of the debt in question. However, I find that the information provided in your communication is insufficient to establish that I owe a debt to Transworld Systems Inc. In fact, your company 's name or any reference to Transworld Systems Inc. is not mentioned anywhere in the documents you provided. 
As per 15 U.S.C. 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I need to dispute previous address that appear on my credit report there is a telephone number that also appears on my credit report XXXX XXXX XXXX does not belong to me I need to dispute this

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I need to dispute previous address that appear on my credit report there is a telephone number that also appears on my credit report XXXX XXXX XXXX does not belong to me I need to dispute this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern, I have called and mail Experian to delete addresses I never lived at and its complete fraud.

I have only one address I live at is below : XXXX XXXX XXXX XXXX XXXX, PA XXXX Please delete all these addresses below : 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 explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: AR

Complaint narrative:
Im a victim of identity theft. I have tried to dispute this same amount from this company multiple times yet their still trying to collect a debt that I do not owe. I wasnt aware that it was on my report again, because I was homeless. I wasnt aware that I could file a report/get them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This credit card information is incorrect. It was not made by me Account name XXXX XXXXXXXX XXXX Account number XXXX Account type 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 explanation
Consumer complaint received 2023-10-09 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX XXXX XXXX SYNCB/LOWESCML ( Retailer ) inquired about my credit score without my consent. Also, my credit report shows a current new address that does not belong to me. I called XXXX on XX/XX/, and filed a complaint about this matter.

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 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have redeemed the rewards from my shop your way credit card for a ereward gift card with a balance of {$20.00} on XX/XX/XXXX. The gift card consists of an email with an image of a credit card and a link to " redeem your gift card '' and no further contact information. When I click on " redeem your gift card '' the link forwards to XXXX XXXX XXXX and an error appears : " A system error has occurred. Please try again later. '' ( attached ) I reported this issue on XX/XX/XXXX and I obtained a reply on XX/XX/XXXX asking me to contact the phone number in the email they forwarded ( attached ). The email does not contain any phone number or form of contact. When I asked for a clarification the customer service sent me a duplicate of their previous email.

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 2023-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: VA

Complaint narrative:
XX/XX/2023 - submitted a request for loan consolidation and income driven repayment plan. 

XX/XX/2023 - XX/XX/2023 - During this time, I have contacted Edfinancial by phone, chat, and email more than 20 times and have received no response. My student loan payment is now past due because they have not processed my application and will not provide me with any status update.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am contesting the information on my credit report that I believe is not correct. According to the federal and state laws that apply to me, you are required to report information accurately and completely. You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and XXXX XXXX format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete 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 2023-10-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I noticed a debt from CCS Collections on XX/XX/2023 stating that I had a debt that they are collecting on I asked CCS Collections do they have a purchase agreement from the original creditors XXXX XXXX  to legally collect on the debt and place it on my credit report according to the Fair Credit Reporting Act. They told me they dont have a legal agreement to collect on the debt and that they are affiliated with XXXX XXXX to collect on the the Debt and would need to contact them too. I also contacted XXXXXXXX XXXX  on XX/XX/2023 and they also told me they dont have an agreement with CCS collections to collect on the debt and they are not affiliated with the company and they charged off the debt without proper documentation agreement in place. I called CCS Collections back and spoke to a manager and she said they are indeed representing the client XXXX XXXX and they dont have a purchase agreement to collect and without documentation they have the legal right to collect on the debt. I told they Im denying the debt without proper documentation to collect on this debt legally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: GA

Complaint narrative:
I am writing to dispute several hard inquiries that have been listed on my credit report. I have reviewed my credit report and have found several inquiries that I did not authorize or have knowledge of. These inquiries are negatively impacting my credit score and are causing me significant financial harm. The fraud inquiries are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-09 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: FL

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

Account name : 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 explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Subject : Urgent Request for the Removal of Inaccurate Collection Account - Immediate Action Required Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to you today in my capacity as a consumer who has always maintained a perfect credit history. Recently, I received a concerning notification regarding a collections account that has been erroneously added to my XXXX credit report. The account in question is with " XXXX CASHNETUSA, '' and I wish to bring to your attention the serious issue at hand. 

Firstly, I must emphasize that this account does not belong to me. I have never had any dealings with " XXXX CASHNETUSA, '' nor have I ever authorized or initiated any financial transactions with this entity. Upon contacting " XXXX CASHNETUSA, '' they confirmed that an account was indeed opened using my Social Security number, but it was done without my knowledge or consent, and the account is not associated with my real name. 

This inaccurate and unauthorized account is not only damaging my previously impeccable credit history but also causing significant distress and concern. As a consumer, I understand my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), and I firmly believe that I should not be held accountable for this fraudulent account. 

In accordance with the Fair Credit Reporting Act, I am formally requesting the immediate removal of the following inaccurate and unauthorized collection account from my XXXX credit report : Account Type : Collection Account Name : XXXX CASHNETUSA Derogatory Amount : {$2300.00} I would like to draw your attention to the following provisions of the Fair Credit Reporting Act, which support my request for the removal of this erroneous account : 15 U.S.C. 1681 Section 602 A : This section affirms my right to privacy and protection from false or misleading information on my credit report.

15 U.S.C. 1681 Section 604 A Section 2 : This section prohibits consumer reporting agencies from furnishing information about an account without the consumer 's written instructions. In this case, I have never provided any such instructions to include this account on my credit report. 

I kindly request your prompt intervention in this matter to ensure the removal of the erroneous collection account, " XXXX CASHNETUSA, '' from my XXXX credit report. This false information is causing undue harm to my creditworthiness and financial reputation. 

I would appreciate it if you could investigate this issue, communicate with XXXX and " XXXX CASHNETUSA, '' and take all necessary actions to rectify this situation immediately. 

Thank you for your prompt attention to this matter. I eagerly await your response and resolution of this issue, which is of utmost importance to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I operate a business using XXXX to collect payments. On XX/XX/XXXX, PayPal begin to keep money I was collecting from my customers without any notice or warning that I would no longer be able to receive the funds. 

I promptly provided information they request, which was information I had previously provided to them upon opening the account. 

5 days later on XX/XX/XXXX, they requested MORE documents to be provided which are again the same documents I had provided when I opened the account. PayPal at this point is continuing to keep my money giving me no power to access my funds for at least XXXX more days. 

I called PayPal and the agent confirmed that my funds were being held " XXXX ''. The agent actively confirmed that " yes '' my funds were being held XXXX. In addition, the agent informed me that PayPal was doing this in order to earn interest off of the funds. 

PayPal is in a powerful position to keep the funds which do not belong to them and puts up extremely tall walls for communication and are beyond reasonable in keeping money that is not theirs. 

Please investigate and if there is a case here, please pursue a penalty for harassing customers at large and intentionally keeping funds to earn profit from interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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 have been resolute in my efforts to rectify the presence of these unrelated accounts on my credit report. Despite my repeated attempts to dispute them, these erroneous accounts persist on my credit history. Furthermore, I've proactively lodged several reports with the FTC concerning these accounts, which have no legitimate association with me. 

Regrettably, these companies have chosen to disregard their legal obligation to address these disputes, a requirement mandated by law. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: AR

Complaint narrative:
I am a victim of identity theft. I have tried to dispute it with multiple credit bureaus and the company. Yet nothing is being done. Southwest Credit XXXX is still not removing the account from my report or canceling the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ORG GC GP BUYER, LLC
State: VA

Complaint narrative:
GC Services is the owner of an account that I owe debt on. I have been working with them since XX/XX/2023. I have automatic debits that come out of my account monthly. As of XXXX, I noticed that the payments have not come out. This is a serious issue for me as my financial aid for university is dependent on all of my accounts being in order. I have reached out to this company everyday since XX/XX/XXXX. I have called and send complaints through the we form. They do not have an official email address to reach them through. Since the beginning, they have only allowed communication through snail-mail and telephone. Which I find archaic and intentionally obtuse, but I digress. Every time I call, there is an auto-recording stating that I there are technical difficulties and to call again tomorrow. I need this organization to reach out to me so I can resolve my payments for this past month, and for the current month. If this is too difficult for them, then perhaps a letter, on letterhead, noting my good standing would suffice. The poor communication and bad business practices of this business are greatly affecting my life and I need to see results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 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: MS

Complaint narrative:
See document attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
There is a card reporting on my credit report that I did not open. I wasnt aware of it because I was homeless at the time it was opened. Once I realized it, I thought I was supposed to be the one to repay it back. I wasnt aware that I could dispute because Im still new to how all of this works. Yet Capital One isnt removing it from any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

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