vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-22 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: LA

Complaint narrative:
On XX/XX/XXXX XXXX made a fraudulent inquiry on my credit report. 

On XX/XX/XXXX XXXX made a fraudulent inquiry on my credit report. 

On XX/XX/XXXX XXXX XXXX made a fraudulent inquiry on my credit report. 

On XX/XX/XXXX XXXX XXXX XXXX made a fraudulent inquiry on my credit report. 

On XX/XX/XXXX XXXX XXXX XXXX made a fraudulent inquiry 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 2021-06-22 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: DISCOVER BANK
State: NJ

Complaint narrative:
these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number  : XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account Number  : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Experian & XXXX XXXX continues to publish two fraudulent accounts alleged by the company XXXX XXXX XXXX. I have reported numerous times I have never agreed to any account for any amount with the company XXXX, therefore any accounts alleged by XXXX would be fraudulent. Experian has reported they did an investigation, however Experian is wrong and I will continue to dispute these accounts and have the law make Experian use their assets to explain until Experian removes these fraudulent accounts. I have requested an agreement from XXXX and they have been unable to provide any agreement between myself and XXXX, yet Experian says they have seen it. So I am requesting Experian to provide me a copy of the alleged agreement between myself and XXXX. I have also requested proof from XXXX and they have not been able to provide me detailed proof within the last nine months. I believe nine months is more than an adequate amount of time to come up with detailed proof of these alleged accounts. XXXX  has decided since XXXX can not come up with proof, and because these accounts are clearly fraudulent, to remove them from their credit reporting and I believe that XXXX  removal of these accounts is proof these accounts are fraudulent. XXXX has sent me what they believe is proof and its a letter that is addressed to an address that is not mine nor was mine at the time of the dated letter, that alone should add enough weight to my statement that these accounts are not mine and would make the probability of these accounts being fraudulent more likely than not, thus a removal from credit reporting and would override any data furnisher.

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 2021-06-22 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 {$5900.00}, {$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 ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 


-- AUTO LOANS OR LEASES 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have been contacting Experian since XX/XX/2020 requesting the removal of 3 unverifiable bankruptcies reporting on my credit profile. Experian claimed they verified the information. I have sent them a letter from the courthouse stating they don't report the information on my report. I also contacted XXXX in which they could not verify the information and sent both documents to Experian to remove the unverified information. Experian has not removed the 3 bankruptcies even tho the bankruptcies are unverifiable.

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 2021-06-22 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: 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 2021-06-22 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: JPMORGAN CHASE & CO.
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 non-monetary relief
Consumer complaint received 2021-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
We received a letter from M & T bank postmarked XXXX, NY XX/XX/2021. The letter is addressed to our son XXXX and to us, XXXX XXXX and XXXX XXXX XXXX as guardians. 

The letter states that under provisions of the Patriot Act they will close our account because they are not able to identify us. The checking account in question has been open for more than 10 years. It is the account where our son, and his mother as Representative Payee, receives the monthly XXXX benefits. 

The letter claims they have made several attempts to reach us but were unable to do so. How? We received no correspondence by regular post or email describing what additional documents were needed. The lack of clear directions was the basis of our orgi We have exchanged emails with XXXX XXXX XXXX, Regional Vice President as recently as today and have made arrangements to complete signature cards for the savings account they claim to have opened.

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 2021-06-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MD

Complaint narrative:
1. Correspondence was sent on XX/XX/2021 by consumer and Hartland ECSI had 7 days to respond in which there where no response 2.Hartland ECSI received proper endorsement on statement UCC 3-204 and Hartland has not credit the account nor updated credit report, to bring the balance to XXXX See Attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX, This account XXXX is reporting different information on my credit reports. 
This account is unknown collection. 
Please furnish the following 1. The accounting history, detailing past due amounts, amounts owed etc. 

2. Personal information associated with this account for identity purposes. 

3. Contracts detailing legal authority to accept payments.

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 2021-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
LETTER1. 
DELIVERED ON XX/XX/2021 AT XXXX. 
USPS TRACKING NUMBER XXXX. 

HERE IS A COPY OF LETTER 1. 

XX/XX/2021 Patenaude & Felix , APC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX ISSUED AS XXXX XXXX, FILE NUMBER XXXX Dear Patenaude & Felix , APC, I am responding to your contact about collecting a debt. You contacted me by mail on XX/XX/2021 and identified the debt as XXXX ISSUED AS XXXX XXXX, FILE NUMBER XXXX. 

If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX LETTER2 DELIVERED ON XX/XX/2021 at XXXX XXXX USPS TRACKING NUMBER XXXX. 

HERE IS A COPY OF LETTER 2. 

XX/XX/2021 PATENAUDE & FELIX , APC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX ISSUED AS XXXX XXXX, FILE NUMBER XXXX DEAR PATENAUDE & FELIX , APC, A LETTER WAS SENT TO YOUR COMPANY TO VALIDATE THE DEBT, BUT THERE HAS BEEN NO RESPONSE FOR OVER 30 DAYS. 

ENCLOSED IN THIS LETTER IS A COPY OF THE TRACKING SHOWING THE VALIDATION LETTER WAS DELIVERED ON XX/XX/2021 AT XXXX, AND A COPY OF THE FIRST LETTER SENT REQUESTING TO VALIDATE THE DEBT. 

THE DEBT IS UNVERIFIABLE BECAUSE YOUR COMPANY DID NOT RESPOND WITHIN 30 DAYS. 

PLEASE CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY. 

I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY. 

THANK YOU. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I NEVER RECEIVED A VALIDATION OF THE DEBT UNTIL NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried to reach out and take care of this matter and yet it still remains on my credit report. This company ( CAPITAL ONE BANK, XXXX  XXXX  ) whom, I have never done business with does not have a written contract for me. And I need this removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Benworth Capital Partners LLC
State: AL

Complaint narrative:
I applied for PPP through XXXX for my business XXXX XXXX XXXX XXXX on XXXX. I was approved for the amount XXXX on XX/XX/XXXX. I had my deposit going into my XXXX account and they rejected the payment XXXX. So I had to re-submit my bank info XX/XX/XXXX and it verified XXXX. They ( Benworth ) said my payment was sent out again and accepted by my new bank info on XXXX. But I have yet to receive anything. I have contacted my bank and they asked me for a trace id number. I contacted Benworth Capital llc again and they refused to give it to me. Said they didn't have that information. Since then I have been calling and sending emails, no one will respond. I am aware there is a time frame and the systems are busy. But it has been past that time frame and I feel that they are neglecting me at this point and have breached this contract

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I contacted Professional Debt of XXXX XXXX XXXX, FL 2, XXXX, FL XXXX ( which is the address listed on my credit report ) on XX/XX/2021 and stated pursuant to FCRA ( 15 USC 1692g ) that I was disputing their debt claim and requesting validation. This was NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested their offices to provide me with competent evidence that I have any legal obligation to pay them. They reported on my credit report as I had an account in collections with them in the amount of {$5900.00}. I also informed Professional Debt that if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX XXXX XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found, including but not limited to late payments, on any of my credit reports by their company or the company that they represent " XXXX XXXX XXXX '', I will not hesitate in bringing legal action against them and their client for the following : Violation of the Fair Credit Reporting Act, Violation of The Fair Debt Collection Practices Act, and Defamation of Character. I also informed them that the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached by their company and the client they represent. Then assured them that I am sure the removal of my information from your website, company records, or any and all derivatives thereof, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent. In addition to that violated my rights as a consumer pursuant to 15 USC 1692b ( 2 ) ,15 USC 1692b ( 5 ) ,15 USC 1692c ( 1 ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ), and 15 USC 1692f ( 8 ). They do owe me financial compensation for each violation. {$1000.00} per violation in fact pursuant to 15 USC 1692k under the FDCPA. 

I appreciate the CFPB 's assistance in the matter. 

Best,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: WA

Complaint narrative:
I cancelled a recurring payment with XXXX on XX/XX/XXXX and never received a confirmation of cancellation. I reached out to the merchant to confirm that night and they said that they found no record of my account and that it was cancelled. When I tried to search for the transaction the next month on my online credit card statement I didnt find it, but realized much later that I was still being charged with a variation of the name on my credit card. After discovering the charge had continued and given the previous phone attempt had failed to cancel the account, I visited a XXXX retail store in person on XX/XX/XXXX where they confirmed that there had been zero activity for the duration of that time, but they would not or could not correct any charges there or via XXXX customer support. I was told the account was closed and no balance was due. They instead said if I wished to pursue a refund, I needed to dispute the charges directly with my credit card company, which I did. 

I received no further communication from the company or their agents until XX/XX/XXXX, at which point I received a notice labeled as a " Final Bill '' dated XX/XX/XXXX stating I had 10 days to pay the balance owed before the account would be referred to collections. The very next day, I received a collections notice from XXXX  XXXX dated XX/XX/XXXX, indicating the account had already been referred to collections and I didnt have 10 days to pay. XXXX refused to discuss the notice, account, or debt when contacted. XXXX XXXX was notified that the debt was disputed on XX/XX/XXXX. 

Shortly after, I received another notice from XXXX, a different collection agency, stating that my card would be charged again automatically on XX/XX/XXXX, the original amount ( {$180.00} ) plus a series of fees ( {$140.00} ), including a {$35.00} fee on a {$0.00} transaction disputed. It was also disputed immediately via phone, but as with previous contacts, outside of the initial notices, I have received no further communication. 

On XX/XX/XXXX, I received a new notice from a new collection agency Amsher Collections services that {$200.00} was still owed. At which point, I promptly sent them a notice via email that this is disputed and has been disputed previously. 

While this started with a dispute over {$180.00} with XXXX and subsequently with the credit card company over charges for a service that was not provided, those fees are no longer even in dispute as they were not refunded to me. Yet I have still been contacted by collections agencies over the course of a year for amounts above and beyond the original amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: IA

Complaint narrative:
XXXX  & Trans Union continues to publish two fraudulent accounts alleged by the company XXXX XXXX XXXX. I have reported numerous times I have never agreed to any account for any amount with the company XXXX, therefore any accounts alleged by XXXX would be fraudulent. XXXX  has reported they did an investigation, however XXXX  is wrong and I will continue to dispute these accounts and have the law make XXXX  use their assets to explain until XXXX  removes these fraudulent accounts. I have requested an agreement from XXXX and they have been unable to provide any agreement between myself and XXXX, yet XXXX  says they have seen it. So I am requesting XXXX  to provide me a copy of the alleged agreement between myself and XXXX. I have also requested proof from XXXX and they have not been able to provide me detailed proof within the last nine months. I believe nine months is more than an adequate amount of time to come up with detailed proof of these alleged accounts. XXXX  has decided since XXXX can not come up with proof, and because these accounts are clearly fraudulent, to remove them from their credit reporting and I believe that XXXX  removal of these accounts is proof these accounts are fraudulent. XXXX has sent me what they believe is proof and its a letter that is addressed to an address that is not mine nor was mine at the time of the dated letter, that alone should add enough weight to my statement that these accounts are not mine and would make the probability of these accounts being fraudulent more likely than not, thus a removal from credit reporting and would override any data furnisher.

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 2021-06-22 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: WELLS FARGO & 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 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 2021-06-22 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: BARCLAYS BANK DELAWARE
State: NY

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 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