vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XX/XX/XXXX my husband and I received a One-Time Contribution from CA Middle Class Tax Refund in the amount of {$1000.00}. On XX/XX/XXXX I went to the XXXX  XXXX XXXX near my house in XXXX XXXX, to withdraw the XXXX amount possible of {$500.00}. I was successful in withdrawing the {$500.00}. My balance after that was {$540.00} after some fees were applied. A few days later, I attempted to withdraw another {$500.00} at an ATM in XXXX, which is the city where I work. The ATM did not release the money. I was confused and assumed user error, so I tried at another ATM, and again nothing happened. It said there were insufficient funds. I knew there was a balance of over {$500.00}, so I was very confused by this. I then called the customer service number XXXX to see what my balance was. The automated service told me that the current balance is {$21.00}. I started doing some online research, and saw many news stories of funds being stolen from the CA Middle Class Tax Refund money network cards, and realized I was a victim of this as well. I have faith in government programs and that this would be resolved, so I didnt act on it right away. 
On XX/XX/XXXX I called customer service and filed a dispute. The customer service representative told me there was a transaction on XX/XX/XXXX for {$520.00} in XXXX. This was XXXX day after my card was activated and money had been withdrawn. The charge or withdrawal of {$520.00} in XXXX was NOT done by me or my husband. The card was with me the whole time, so the card itself was not stolen. I dispute this transaction of {$520.00}. Following up on this, I was recently told that my dispute was denied and closed. How can this possibly be closed and denied? It is clear that the hackers/ spammers were jumping on funds as soon as the card was activated and used, and this is what happened to me and my family. Ive included a list of the transactions to clearly communicate the dates and transactions that are being disputed and appealed. 

XX/XX/XXXX {$1000.00} One-time Deposit CA Middle Class Tax Refund ( Balance {$1000.00} ) XX/XX/XXXX - {$1.00} ATM Withdrawal Fee ( Balance {$1000.00} ) XX/XX/XXXX - {$500.00} Withdrawal XXXX XXXX ( XXXX {$540.00} ) XX/XX/XXXX - {$1.00} ATM Withdrawal Fee ( Balance {$540.00} ) XX/XX/XXXX - {$520.00} charge*TARZANA XXXX XXXX ( DISPUTE THIS XXXX ) ( Balance {$21.00} ) I am filing this complaint to recover the {$520.00} that was stolen from my account on XX/XX/XXXX in XXXX. I filed a dispute to Money Network and it was denied. If you need any further information, please let me know and XXXX happy to provide it. Thank you for your time and effort in 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 explanation
Consumer complaint received 2023-08-29 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: TX

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. 

Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : # XXXX, Account name : # 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 2023-08-29 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: LA

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2023-08-29 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:
I AM A REPEATED VICTIM OF IDENTITY THEFT. MY INFORMATION WAS COMPROMISED IN SEVERAL BREACHES.

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 2023-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2023-08-29 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: CAINE & WEINER COMPANY, INC.
State: MS

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 explanation
Consumer complaint received 2023-08-29 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: GA

Complaint narrative:
I do not have a bankruptcy.. I was told to contact XXXX XXXX who verified I do not have a bankruptcy at all but Equifax added one to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-08-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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.

has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My credit report shows a collection from your firm, Capitol One. Furthermore, I do not feel this debt is accurate. I have the right to request and get debt validation UNDER THE FAIR DEBT COLLECTION PRACTICES ACT. As a result, you have failed to provide proper validation for this debt. Under distress I was forced to pay for this, but after settlement I discovered this is not my debt. Also, you have committed the following FDCPA Violation:15 U.S. Code? 1692d-Harassment and abuse A debt may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. You are harming my reputation which is a violation by reporting a false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have received several fictitious attempts from several companies attempting to illegally collect debt, and I believe Resurgent in another such company. 

I received a collection letter from Resurgent Capital Services regarding a debt. 

Via certified XXXX mail, I requested validation of the debt. 

The only items Resurgent replied with was computer generated invoice type paperwork, and never provided competent proof or evidence that I had any contractual obligation to provide payment to Resurgent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
My wife and I took out an installment loan from Tower Loan on or around XX/XX/2023. At the time of the loan closing, we were not informed of the available methods of making payments, nor were we given the monthly due dates. About a month later, we started receiving numerous phone calls from Tower Loan asking for their first payment. When we told them that we had never received a statement, the response given to us was that they don't send them out. Instead, they just call their borrowers over and over until they make their payments. Tower Loan does not have an online portal that accepts payments, and can only receive payments at their office. We then set up an automatic monthly payment within our own bank that would mail a check to Tower Loan 's location near us on a monthly basis. About a month after this, we started receiving numerous phone calls from Tower Loan, claiming that we had not paid them. I checked my banking records and confirmed that the payment had indeed been sent out. They claimed they never received it and that I needed to stop the check on my end. I did so, and now Tower Loan is claiming that they attempted to deposit the check ( the one that they earlier had said never arrived ) and are trying to charge us a stop payment fee in addition to late fees. XXXX I pointed out that the stop payment was at their request and provided proof that we had sent in the payment, Tower Loan said that they would consider removing the fees. At the present, however, they have not responded. 
The fact that they do not send statements, leaving us without knowledge of the remaining balance, interest that has been charged, and any fees assessed seems to be in violation of 1026.5 ( b ) ( 2 ) and 1026.7 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My XXXXedit score decreased XXXX XXXX due to my SSN being compromised on the dark web.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I pulled my credit report recently and noticed a hard inquiry for XXXX XXXX XXXX XXXX in XX/XX/2023. I do not have an XXXX XXXX XXXX XXXX account. Please launch an investigation into the inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiries are invalid, I am requesting that them be removed from my credit report as soon as possible. But if the creditors are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted According to U.S. Code 1681i for the Treatment of inaccurate or Unverifiable Information, in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Thank you for your cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: NY

Complaint narrative:
I pulled my credit report recently and noticed a hard inquiry for XXXX XXXX XXXX XXXX in XX/XX/2023. I do not have an XXXX XXXX XXXX XXXX account. Please launch an investigation into the inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings.

If you find that the inquiries are invalid, I am requesting that them be removed from my credit report as soon as possible. But if the creditors are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted According to U.S. Code 1681i for the Treatment of inaccurate or Unverifiable Information, in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Thank you for your cooperation in 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 explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
Husband and I Started a fraud claim with US Bank about a fraudulent XXXX transaction on XX/XX/XXXX, I called every day until XX/XX/XXXX and only then did they tell me the claim was denied om XX/XX/XXXX because it apparently was made from my husband 's login ( Hence why we both sat there and gave out information needed, we didn't know where it came from ) We told them that was false and we both made the claim and closed all our logins and account, so they said they reopened the claim. I call a week later on XX/XX/XXXX only to find out they can't do that and someone has been lying to me. I just want my money back that was FRAUDULENT TAKEN, so I can pay my bills.

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 2023-08-29 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: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
Ford Motor company lease account # XXXX XXXX XXXX XXXX. On XX/XX/XXXX I signed a lease extension on my Ford Escape Document attached All payments were made and up to date. 
On Sun XX/XX/XXXX in the middle of the night Ford incorrectly repossessed my vehicle. 
I reported it as stolen and was later notified it was at a car auction in NJ XXXX XX/XX/XXXX Ford Motor credit Company took me to court for mileage and damages. 

It's pretty obvious that the judge ruled in my favor. Document attached. 

Please please help me! Ford continues to report inaccurate information to XXXX, XXXX XXXX XXXX. I have spent months disputing this with the credit bureaus & Ford has refused to remove this negative information from my reports. 
I was denied housing due to this negative information. 

I need Ford to remove all incorrect, damaging information from my credit reports. 

Thank You!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I see both I.C. Systems and XXXX on my credit report, even though XXXX sold my debt. XXXX. XXXX says I owe them more than {$2000.00}, and they claim XXXX passed on the debt to them. But when I check my credit report, XXXX is still there with a balance around {$850.00}. Also, XXXX sold the debt to someone who's bothering me with demands for payments that are double what XXXX claims I owe. I want to emphasize that I've never been with XXXX or signed anything. I'm confident I'm a victim of identity theft, and I'm dealing with disputes with other companies and banks because of this identity theft issue. 

I urgently need to see a detailed bill explaining why I owe more than {$2000.00}. I'm not satisfied with a bill that looks like it was made up, just stating that someone owes money. I want to see signatures. It's important to note that XXXX can't sell the debt and continue to have it on my credit report with a different amount than what the collectors are asking for.

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 2023-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: CA

Complaint narrative:
My mortgage on my house with ServiceMac has continuously increased over the last two years and is getting out of control. It started at {$1900.00} a month and is now at {$2500.00} a month. The house is worth enough now that PMI should be dropped, but they've refused to drop the PMI. My mortgage has only gone down by {$10000.00} in the last two years, which doesn't make sense with all of the payments I've made. My interest rate is only 3.13 %. It is a fixed rate. I did not do a temporary rate buy down, or anything like that.

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