vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLLECTION SERVIC Last reported XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SERVIC Last reported XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX FL XXXX *

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: IL

Complaint narrative:
I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I received a letter stating " they do not report any bankruptcies to anybody. So if that's the case, how did the credit bureaus validate my bankruptcy as 100 % accurate. They never did a fair investigation according to 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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

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 2022-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
CAPITAL ACCOUNTS LLC Last reported XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAPITAL ACCOUNTS LLC Last reported XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX FL XXXX *

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
For Experian, XXXX and XXXX XXXX Correctly reporting individual and total credit limit and balance figures for revolving accounts. 

However, falsely reporting utilization ratios for totals as 100 % when well under 50 %, in turn causing false credit score reporting.

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 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I had applied for and received a HELOC in XX/XX/XXXX through XXXX XXXX. At that time I received notification that my credit score was XXXX supplied by Equifax. Subsequent to that I refinanced my primary mortgage and in order to do so, I needed to close out the HELOC, which I did on XX/XX/XXXX. In XX/XX/XXXX, after I had refinanced my primary mortgage, I applied for a HELOC with XXXX Bank again. On XX/XX/XXXX my credit score was reported by Equifax to be XXXX which XXXX Bank used to lower my tier and increase the rate. 

I made several calls to XXXX Bank and to Equifax to obtain the exact information sent from Equifax to XXXX Bank on XX/XX/XXXX and XX/XX/XXXX because my credit report did not show any major events in that time period. In fact, in that timeframe, the closing of the primary mortgage had been reported but the new loan ( the refinanced mortgage ) had yet to show up on the credit report. So how could only that information cause an almost XXXX point decrease in my credit score. 

I was told several times from Equifax that they only provide the information and the score is calculated by the bank, XXXX Bank in this case. I was hung up on and told that they could provide my current credit score but not the score as it existed on XX/XX/XXXX. I was even told that there was no hard inquiry from XXXX Bank on that date, which a look at my credit report will show is a lie. All this time they knew that erroneous credit scores had been reported. 

This was not just an error, this was a deliberate attempt to mislead a consumer and to obfuscate the failure of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have a XXXX credit card. I have had this credit card for over 8 years. The payment history reporting is incorrect to all 3 bureaus. Payment history shown on my reports only goes back to XXXX, but should go back the 7 years allowed to XXXX. This is resulting in inaccurate on time payment percentage calculations that are significantly impacting my credit score. 

I first noticed this problem when I was late on a payment in XXXX of XXXX. 

I have disputed this information with XXXX card. I believe I began the dispute in XXXX of XXXX. They closed the dispute and nothing has changed. I have called them several times since then, most recently in XXXX of XXXX and they now say there is nothing they can do on their end, that it is the credit reporting agencies who are in error. 

I filed a dispute with XXXX in XXXX of XXXX. They sent me an email saying they had closed the dispute. I called them to follow up and was told that they do now have the payment data going back to XXXX but that it would take until the last week of XXXX to show up in their systems. I checked today ( XX/XX/XXXX ) and it is still not showing up. 

From what I can tell Transunion and XXXX are also reporting the same error.

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 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, 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: MN

Complaint narrative:
I have a XXXX credit card. I have had this credit card for over 8 years. The payment history reporting is incorrect to all 3 bureaus. Payment history shown on my reports only goes back to XXXX, but should go back the 7 years allowed to XXXX. This is resulting in inaccurate on time payment percentage calculations that are significantly impacting my credit score. 

I first noticed this problem when I was late on a payment in XXXX of XXXX. 

I have disputed this information with XXXX card. I believe I began the dispute in XXXX of XXXX. They closed the dispute and nothing has changed. I have called them several times since then, most recently in XXXX of XXXX and they now say there is nothing they can do on their end, that it is the credit reporting agencies who are in error. 

I filed a dispute with XXXX in XXXX of XXXX. They sent me an email saying they had closed the dispute. I called them to follow up and was told that they do now have the payment data going back to XXXX but that it would take until the last week of XXXX to show up in their systems. I checked today ( XX/XX/XXXX ) and it is still not showing up. 

From what I can tell XXXX and Experian are also reporting the same error.

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 2022-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2022, I had received a text alert appearing to be from the Wells Fargo app asking if I had made a transfer of {$3500.00} using the XXXX feature via the Wells Fargo app. I replied " NO '' to the text alert and immediately received a phone call displaying the phone number of the Wells Fargo customer service line as featured on the back of my debit card. I spoke with an individual claiming to be a Wells Fargo customer service representative returning a courtesy call regarding the text alert. I informed them that I did not use the XXXX feature, I did not know the individual whose name the funds were sent to, nor did I even have the funds to cover such a transaction. I was then walked through the steps to " reverse '' the transfer and put the money back into my account. He then gave me a claim number and a waiting period that they would contact me. After ending this call and waiting for the supposed call-back for about an hour, I decided to call Wells Fargo customer service and check on the status of the claim and make sure my account was safe. This is then when I found out I was scammed. I was never aware that it was possible for an outside individual to pose as my bank even down to the phone number that shows up and the text alerts, this is what lead me to believe this was a legitimate phone call and ultimately into being scammed. When I called Wells Fargo customer service myself, a claim was filed, and all these details were relayed to them. I was told to give up to 10 business days for this issue to be worked on. I then received a letter on XX/XX/2022, stating the claim investigation was complete and was closed. The funds were never returned to my account. I contacted Wells Fargo immediately and was eventually told that I would not be getting my money back because I was " a victim of scam and authorized the transaction, and they do not cover it ''. I did not have the {$3500.00} amount that was attempted to be taken from me, so only {$1000.00} was taken. That is still not acceptable to me. I feel the bank DOES OWE me my funds. I was not aware that I was being scammed, so how can this be my fault and I lose money that I worked for and was trying to save back. It is not fair treatment of their customers. All they have done in this whole stressful process is make me feel dismissed and 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 2022-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
SEQUIUM ASSET SOLUTIONS, Last reported XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious SEQUIUM ASSET SOLUTIONS, Last reported XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX *

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: TX

Complaint narrative:
CFPB { Transunion } first the vehicle was taken with out a court order Stolen by creditor That in its self was against the law the law state that repo must have a court order or its a violation of the law As for your credit reporting verified you are the only one reporting XXXX Bank, { XXXX and XXXX has removed the account from my credit report }, proof of all ownerships of that tells me you did not do an investigation.so I request that you Transunion a copy of your investigation, who you got information from. I want a copy of said payment that is stated on your credit report with my signature on it Any and all documents from XXXX Bank to Transunion and collection company CONTRACTS proof of all contracts that show ownership of this account { not Letters Contracts } {! } { original contracts } from all parties to this account with my signature { 2 } Creditors name and address { original Company } { 3 } Payment history Complete Showing last payment with my information on payment { 4 } Proof of ownership { All } parties to this account that means { contracts } not letters involved on this account. Transunion you should have all this information on hand especially after you state you verified the account The LAW STATES! % U.S.C. 1681 { a } i a and 15 U.S.C.1681 { c } { 1 } { a } { b } { i } { 3 } NOTE ANY I dispute MUST come off my credit report REGUARDLESS the reason it must come off CFPB its the LAW read it Transunion its a {$1000.00} dollar fine for each violation, .I expect a reply in 30 days By LAW

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 2022-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On Friday, XX/XX/XXXX, I went in to a branch of Citizens Bank to start a checking and savings account. After setting up my accounts, the banker I was working with tried to get me to sign up for one of their credit cards, saying that I was pre-approved ( not pre-qualified ). I declined, citing the fact that I had just gotten one with another bank a few weeks ago, so even though there was an attractive promo going on, I didn't want to take another hit to my credit score at the moment. He immediately responded something along the lines of " Oh, well we don't check your credit actually. That's one of the cool things about our bank. '' and led me to believe that the credit concern I had wouldn't be an issue. I had thought that credit cards will always check a person 's credit, but figured maybe that's just what normally happens and isn't always a guarantee, possibly because I was already pre-approved. Regardless, I knew that bankers aren't allowed to mislead their customers, so since I had voiced my credit concerns and he had implied that I wouldn't need to worry, I figured I might as well get the card. Several hours later, I got a notification on my phone that my score had dipped XXXX points. I can't see from my credit-checking app ( I use XXXXXXXX XXXX XXXX what the specific reason for that point loss is, but I think it's pretty safe to say that the two are connected. I'm not sure if the banker flat out lied and a check was performed after all, or if he " technically '' didn't lie and there was no check but I lost points through some other measure. Regardless I still feel like I was taken advantage of, because while I try to educate myself on the credit system as best I can, he's the financial professional and I'm not, so it's upsetting for me to say I don't want their credit card because I don't want to lose points, and for him to respond in the deceptive way he did to try and get me to sign up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I was trying to assist my son in getting a car. I gave permission to one dealership now I have received DENIALS from at least 5 dealerships.I have contacted yhe credit bureaus to complain about this and they are not removing them. These inquiries are hurting my credit score and my ability to obtain new 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 explanation