vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 30 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you reported these accounts in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. You companies are causing Damages : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act. this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I requested a method of verification. Equifax has failed to provide me this documentation in my first attempt. I've contacted the bankruptcy court about this matter. The bankruptcy court has provided me with a formal response stating they do not publicy share information with third parties. In my 2nd attempt with Equifax I asked them which representantive they spoke to, the date, length of conversation, which employee from equifax spoke to the party, and or confirmiring if there was any e-mail or written communication between the members of equifax company and the bankruptcy court. Equifax has failed to provide me those details.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
Mohela received a check from the Illinois XXXX XXXX  XXXX to apply to my student loan account. The Illinois XXXX XXXX XXXX awarded me {$6500.00} in XX/XX/XXXX in observation of the school XXXX XXXX shortage in the state of Illinois. Mohela was sent a check on XX/XX/XXXX, from the Illinois XXXX and cashed the check on XX/XX/XXXX ( per the records of the Illinois XXXX XXXX XXXX ). Although Mohela cashed the check, it has yet to be applied to my account. My question is, if Mohela has cashed the check, why wasn't the {$6500.00} applied to my student loan balance? When will this happen? Essentially the fact that Mohela has cashed the check but not applied it to my account is fraud. 

Check # : XXXX Date Sent : XX/XX/XXXX Date Cashed by Mohela : XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
My credit card balance increased by {$1400.00} even though I had only spent {$550.00}, in processed transactions to date, during this billing period. 

We also made over {$1000.00} worth of credit card payments. 

So how did my balance increase by {$1400.00} when I did not even spend that much? 

The only fee charged during this cycle was reversed. 

I am concerned that this may have happened more times than I have realized, and I would like for it to be investigated.

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 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccuracies and fraudulent accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Having reviewed my credit report, I detected fraudulent accounts that did not arise from any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services
State: MD

Complaint narrative:
I purchased a XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX STOCK # : XXXX ( USED ) VIN : XXXX XXXX XXXX XXXX though my business XXXX XXXX XXXX XXXX XXXX along with GAP insurance on XX/XX/XXXX. My vehicle was involved in a accident and was totaled on XX/XX/XXXX. I reported the accident to XXXX XXXX which is my car insurance. My vehicle had full coverage and the vehicle was deemed totaled. Since XX/XX/XXXX Mercedes Benz Financial has refused to cooperate with XXXX XXXX. Mercedes Benz Financial refused to give XXXX XXXX the appropriate title to settle the case. Since XX/XX/XXXX, several representatives at Mercedes Benz Financial have given different and conflicting responses to the reasoning for the delays in giving the insurance company the appropriate paper work for the claim. Due to the delays on the part of Mercedes Benz Financial I have accumulated car payments that I can not afford and have affected my credit with late remarks because of the long drawing out of the process. Mercedes Benz Financial now wants to default my loan. I suspect that my vehicle never had the legal appropriate title work since my purchase, making my loan contract faulty and possibly invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion is violating my rights according to 15 U.S. Code 1681e ( b ) by continuing to report inaccurate, incomplete and unverifiable information to my credit report.Under the stipulations of 15 US Code 1681i ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies are required to furnish a written notification to a consumer ( in this case, myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record.This includes providing the name and address of any information provider contacted during the verification process, along with their contact number.Over 30 days ago, I solicited documentation to substaintiate these accounts, yet I have received no such documentation.Without legitimate proof backing these accounts, it has no basis to be included in my credit report.Please DELETE these items immediately.I have attached the most recent credit report from TransUnion showing the inaccurate, incomplete and unverifiable accounts still reporting 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 non-monetary relief
Consumer complaint received 2024-03-05 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail. Im requesting this company to provide documents of my signature giving consent to share my personal information and return it in the responsible

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: WA

Complaint narrative:
The company CashApp had closed my account at around XXXX of 2023 and was not given a specific reason, except that I had violated the terms of the agreement. I reviewed the terms several times and did not see what it could have been that I violated and when asked, was told that they could not give that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to purchase a home to sustain a life for my children and myself. I've checked my credit report and realized that there is damage information on my credit report. I have tried numerous times to get assistance on this matter. According to the 15 U.S.C law 1681 there should not be any damaging information on my report as it is a deformation of my character. I have also filed a report with the FTC regarding these fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
I have been trying to purchase a home to sustain a life for my children and myself. I've checked my credit report and realized that there is damage information on my credit report. I have tried numerous times to get assistance on this matter. According to the 15 U.S.C law 1681 there should not be any damaging information on my report as it is a deformation of my character. I have also filed a report with the FTC regarding these fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: VA

Complaint narrative:
The following accounts XXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXX XXXX - - ACCOUNT NUMBER XXXX have been all DELETED from XXXX. The law say all credit Bureaus must report complete and accurate information. These accounts ARE NOT VALID AND should not still be reporting to Experian Or 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 2024-03-05 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: United Shore Financial Services, LLC
State: TX

Complaint narrative:
Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail. Im requesting this company to provide documents of my signature giving consent to share my personal information and return it in the responsible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail. Im requesting this company to provide documents of my signature giving consent to share my personal information and return it in the responsible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Ensuring punctual payments has always been my practice with this account, never allowing any payments to lapse into overdue status. I'm puzzled by the existence of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, necessary corrections should be made.

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 2024-03-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I received an American Express gift card for {$500.00} for XXXX. I visited AmexGiftCard.com to confirm the balance. 
I can not use the card at XXXX, I can not use it at XXXX, I can not load it to my XXXX XXXX, and I can not load it to my XXXX app. I can't pay for my XXXX subscription with it. I can not pay for my meal prep services with it ( XXXX XXXX ). 
I called XXXX on XX/XX/2024 at XXXX ET to complain. The person said that they could see that I was declined at XXXX and at XXXX XXXX, and now my total was down to {$490.00}. That was an unfair and unexpected fee to pay for being declined. 
I was told that I need to use the card at a merchant that asks for the CVV. XXXX and XXXX XXXX DO ASK for the CVV. I asked for a list of merchants that would accept this card, and i was told Amex doesn't provide such a list. 
I feel like my boss ( who gave me the card ) was scammed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My complaint is as follows : I have communicated with Ally Bank Corp./Ally Bank/Ally Financial Inc./Ally XXXX XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They acknowledged receipt on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as shown in the documents attached with this formal written complaint. I expressed concerns regarding security fraud, identity theft, UCC violations, and requested Proof of Debt. As previously outlined in my letters to both XXXX XXXXXXXX ( The Registered Agent of Ally Bank ), and the finance company, the issue of security fraud, identity theft, and potential XXXX violations remain unaddressed. If Ally Bank Corp./Ally Bank/Ally Financial Inc./Ally , can not provide Proof of Debt through indebtedness, the Wet Ink Promissory Note, demonstrating that they haven't capitalized from the Sale of the Instrument, I kindly request a refund of my previous payments plus interest, the balance of the Account ending in XXXX XXXX XXXX reflecting as paid in full, and the Title for the XXXX XXXX XXXX XXXX XXXX. Please reference relevant legal codes if necessary. 
I would also like to make the Consumer Finance Protection Bureau aware of the following : Since I began exercising my legal rights as a consumer, Ally Bank Corp./Ally Bank/Ally Financial Inc./Ally has retaliated against me by restricting my account and putting me under duress by rejecting my Tender of Payment. Since my account is on restriction, I am unable to make payments and I believe that they are putting me in a position where my vehicle will get repossessed. I have a XXXX daughter that I take XXXX XXXX  daily and to her XXXX  activities. To my knowledge, retaliation is illegal, unethical, and unfair business practices. Their actions have caused me to suffer great XXXX, stress, 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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
on XX/XX/2024 i disputed the below item with XXXX and investigation was conducted and on XX/XX/2024 XXXX deleted/removed from my report i have the proof attached to prove it directly from XXXX. today i reviewed my credit report and the account was re reported on my credit report. this is a violation of my fcra rights Remove this account from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Everyday since XX/XX/XXXX I have been calling ally bank constantly the customer service department has been trying to work with me helping getting my account access back but the fraud department are the only ones that are able to do that. Every time they transfer me over they tell me different things as in your account is closed, your account is under review, your account has investigator, also that my account is not under review and they refuse to transfer me over to a supervisor I also documented two of those reps names which is XXXX, XXXX etc I just want access to my funds so that I can end my account with them this is causing various of complications in my life and is not the way you should handle a XXXX  person I have already did everything that is possible I would never open a account with ally again

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
i disputed my bankruptcy, Transunion, XXXX, and XXXX are saying they got my information from one place and another place. The actual court house is telling me that they did not report it. therefore they could not have possibly verified this information. so this needs to be removed immediately. this has caused me distress and financially has harmed me with costs and lost opportunity.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate accounts reporting high credit, credit limit, date of last active.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: World Acceptance Corporation
State: TX

Complaint narrative:
Ive recently checked my credit report and noticed some inaccurate accounts reporting high credit, credit limit, date of last active.

Company response to consumer: Closed with explanation