vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax is continuing to violate me as a federally protected consumer by not following my demand to remove the stated inquiries I've instructed them to remove, based on the Fair Credit Reporting Act. 

By not complying with my demand to remove the mentioned items IMMEDIATELY, they are continuing to violate the FCRA, 15 USC 1681a ( 2 ) ( B ) which is the exclusion section of the FCRA, which explains what a consumer report does NOT include.

Section B of the exclusion section states that, any authorization or approval of a specific extension of CREDIT directly or indirectly by the issuer of a CREDIT CARD or similar device which means that the mentioned inquiries I am demanding to be removed are under that category, therefore I am demanding they be removed IMMEDIATELY. This is federal law, not opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$3000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$3000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/2021, A Affidavit of Truth and Cease and desist notice has been provided to LVNV Resurgent Capital Services by I, the consumer in fact via Certified mail number XXXX and Return Receipt tracking XXXX XXXX XXXX XXXX XXXX XXXX During the initial 30-day investigation period , LVNV Resurgent Capital Services is on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills as it will be a violation pursuant 15 USC 1692g ( b ). LVNV Resurgent Capital Services communicated or attempted to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ). 

Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ).

Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. LVNV Resurgent Capital Services has committed several federal violations against me, Federally Protected Consumer, for which I am entitled remedy. LVNV Resurgent Capital Services must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the Affidavit of Truth attachment to further explain this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, almost over a year later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I see all my credit report that a Wells Fargo checking account has been added to mine and I do not bank with Wells Fargo bank with 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 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
After receiving a monthly statement in XX/XX/2021 with charges I did not make, and could not find my credit card, I immediately notified creditor. The card was canceled and I was sent a new card. I went over all charges with creditor and all charges were removed. I then returned the 3 items I did purchase, leaving a credit balance. When I received my next statement, all of the unauthorized charges were back on my statement. I called several times to dispute the charges and request the amount they now owed me. Not only are they refusing to correct my account, they have reported me 30 and 60 days late. My credit score has dropped over 100 points. I disputed with XXXX  3 times only to be told that the creditor states their information is correct. So no change to the credit report. On XX/XX/XXXX I will be reported 90 days late when they owe me over {$500.00}. I am a XXXX year old XXXX veteran and always pay my bills on time. I hope you can help me. Thank you.

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 2021-07-07 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 — Problem with personal statement of dispute
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
A collection was illegally place upon my credit report with all 3 credit agencies, without my consent. ( TRANSWORLD SYS INCXXXX and XXXX XXXX XXXX ). Once paid and settled, I requested the creditor to delete the account from my credit report. They refused to. I requested XXXX, XXXX and XXXX to remove the unverified item off my credit report. It simply came back as verified as paid. I understand my rights under the Fair Credit Report Act, so dismissal of this account from my credit report is requested at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The monthly payment, terms, credit limit, past due, and date of the last payment is missing in this report. Balance should not be reported under a collection/chargeoff account! Also, the date of the last activity on each bureau was reported differently on this account. All dates should be reported the same! I do not remember owning this particular account. I've asked the agency to provide signed paperwork that proves that I really own the questionable account but they have not complied as of the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
On XX/XX/2021, A Affidavit of Truth and Cease and desist notice has been provided to Fair Collections & Outsourcing by I, the consumer in fact via Certified mail number XXXX and Return Receipt tracking XXXX XXXX XXXX XXXX XXXX XXXX During the initial 30-day investigation period , Fair Collections & Outsourcing is on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills as it will be a violation pursuant 15 USC 1692g ( b ). Fair Collections & Outsourcing communicated or attempted to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ).

Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ).

Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Fair Collections & Outsourcing has committed several federal violations against me, Federally Protected Consumer, for which I am entitled remedy. Fair
Collections & Outsourcing must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the Affidavit of Truth attachment to further explain this statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On or around XX/XX/XXXX I noticed Wells Fargo was on my credit report I know thats account was cleared however XXXX  and XXXX  has it as a derogatory account. It took me three days to dig up this exhibit # 1 to prove wells fargonis full of XXXX and have committed fraud by falsely reporting inaccurate information. Attached you will see a refund the account was closed XX/XX/XXXX and yet its till being reporting why? Because Wells Fargo is a fraud and they do crooked XXXX to original creditors/consumers. 
The law states that and communication means conveying information regarding debt directly or indirectly to any person through any medium wells fargo is in violation of 15 usc 1692a also in violation of 15 usc 1692 c because I sent a cease and desist. Im addition I was violated because they submitted inaccurate information misleading information under the law 15 usc 1692e and 15 usc 1692f unfair practices you ruined my reputation by reporting inaccurate information for 2 years Whats XXXX me off is that Wells Fargo would have gotten away with fraud if I didnt find this document so Im demanding this be removed immediately XXXX  and XXXX  did no investigation when I spoke to a representative they told me it was correct no results from the dispute I submitted its a joke they have also violated my consumer rights they did not address my concerns I had to dig deep for three days to find proof and submit exhibits they do a half XXXX XXXX no investigation and if they did and investigation show me proofed XXXX you found follow the law laws listed above this needs to be removed 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 non-monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
Prior complaint filed # XXXX, which was resolved with XXXX XXXX XXXX  correcting entry on credit report indicating overdue balance owed-past due {$3700.00}. XXXX XXXX XXXX account was paid for less than owed per agreement, there is no balance owed or outstanding past due ( refer to XXXX XXXX XXXX letter dated XXXX XXXX attached ). 
Trans Union sent letter ( attached ) stating the disputed information had been deleted. 
As of today, XX/XX/2021, Trans Union has not corrected the disputed information listing under XXXX XXXX XXXX  overdue balance-past due {$3700.00} on my current credit report. 
This incorrect information is handicapping and creating undue hardship in our attempt to recover from this bankruptcy and rebuilding our credit. 
We are unable to address this with Trans Union as they do not list this XXXX XXXX XXXX in our account list of when attempting to dispute this information again. But, on our credit report available for lenders, insurance companies, public utilities and real estate firms this item is listed and available for all to view that we owe past due {$3700.00}.

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 2021-07-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
On XX/XX/XXXX, I received a response from NCA via the CFPB consumer complaint portal. Mr. XXXX XXXX XXXX, XXXX. who I presume represents this company, completely ignored my concerns about this company trying to collect on a debt that isn't owed. Mr. XXXX states, " the law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. '' Collection suits are generally based on breach of contract or stated account, both of which fall under the six ( 6 ) year statute of limitations provided in Alabama Code Section 6-2-34. 

Inside Alabama Code Title 6. Civil Practice 6-2-34, it states : The following must be commenced within six years : ( 1 ) Actions for any trespass to person or liberty, such as false imprisonment or assault and battery ; ( 2 ) Actions for any trespass to real or personal property ; ( 3 ) Actions for the detention or conversion of personal property ; ( 4 ) Actions founded on promises in writing not under seal ; ( 5 ) Actions for the recovery of money upon a loan, upon a stated or liquidated account or for arrears of rent due upon a parol demise ; I believe statute five ( 5 ) represents this situation most appropriately. 

This agreement, according to documentation provided by NCA was originated on XX/XX/XXXX. An entire 40 days past six ( 6 ) years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The following accounts do not belong to me, nor have I ever engaged in any type of business with these unauthorized and unknown companies. I'm demanding that the credit reporting agencies provide me with A Method Of Verification used to report such accounts on my report. These accounts shall be removed immediately. 

1. XXXX XXXX {$120.00} 2. XXXX XXXX {$670.00} 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX {$4000.00}

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 2021-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I purchased a XXXX XXXX XXXX financed by Capital One Auto on XX/XX/XXXX. I fell behind on payments and the car was repossessed on XX/XX/XXXX. I was sued by Capital One Auto IN THE MAGISTRATE COURT OF XXXX XXXX STATE OF GEORGIA Garnishment Case # XXXX. The Honorable XXXX XXXX XXXX, XXXX of said Court ruled in order of the Plaintiff for me to pay {$5900.00} on the XXXX day of XXXX, XXXX. I completed my last payment to Capital One Auto through garnishments from my paychecks at XXXX XXXX. XXXX sent 25 % of my check to Capital One Auto. The last payment sent to Capital One Auto was in the amount of {$1600.00} on XX/XX/XXXX. I received a Release of Garnishment from the XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX on XX/XX/XXXX. If you go to https : XXXX and click on Smart Search then put in XXXX the case information will come up as public knowledge. I have sent Capital One Auto certified letters trying to get this resolved and they claim that their reporting is accurate. They are reporting to the Credit Report now and even through Covid where I was out of work for 3 months that the balance is charged off and that I still owe the balance. Capital One Auto sent me a collection letter on XX/XX/XXXX in the amount of {$4700.00}. I currently have XXXX XXXX XXXX trying to get the matter rectified with the Credit Bureaus but I was advised that there was nothing I could do against the bank itself and that I should file a complaint against them here. I received a document from the president 's office of Capital One Auto, XXXX XXXX XXXX, stating that they would never sue me for the balance in response to my complaint. This letter came after I had already been sued and after I've already paid my debt back to them. Every claim and document can be furnished upon request. 

Please help me, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have no knowledge of the alleged debt. I have never entered into any contract or agreement with XXXX XXXX XXXX. I have not received any written communication from XXXX XXXX XXXX which is a violation pursuant to 15 U.S.C 1692e False or misleading representations. 
( 10 ) The use of any false representations or deceptive means to collect a debt or obtain information concerning a consumer.

This is also an alleged medical debt which pursuant to HIPPA Laws is a violation of my conusmer rights. XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the XXXX XXXX XXXX should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

Company response to consumer: Closed with explanation