vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 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: FL

Complaint narrative:
I am one of the victims of Equifax 's XXXX XXXX and also a victim in there recent " INACCURATE '' scores given this year XXXX and caused severe financial hardship. Furthermore, Equifax has ignored my FTC Identity Theft report and has failed to block the fraudulent accounts under The Fairs Credit Act 605b. They have caused severe financial hardship for myself and my family. I have attached the certified letter sent to Equifax on XX/XX/XXXX with evidence including Identity Theft Report, My SSN Card/Drivers Licenses, and Utility bill for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: SC

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX Addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX Addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Employer : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Name : XXXX XXXX Addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I had set up my paypal account with my XXXX XXXX as my preferred payment for any and everything I use pay pal for well i paid my monthly payment i didnt want a line of credit i just wanted a secure place to make payments to services. Well paypal took it upon themselves and tried to take {$.00} and {$4.00} out of my checking which was to have been thru my XXXX XXXX. They kept processing it and causing payments to my bills to bounce and racked up over {$500.00} of nsf fees and returned check fees. My bank closed my account but its still owed because paypal will not bill XXXX for services. I had contacted them twice before and so I used my moms secured checking to make again a monthly payment to XXXX XXXX which I didnt want that credit service. So this time for {$4.00} for XXXX XXXX which XXXX canceled and refunded the funds for the error and {$3.00} to be billed to my XXXX for XXXX. They didnt they used my moms secure checking funds of social security to cause {$85.00} once and {$85.00} again to be charged nsf fees. I sorted it all out with XXXX  but paypal refuses to refund the money they took out causing bounced checks and nsf fees for both me and my Moms account but then took out the {$3.00} and {$4.00} out of my XXXX XXXX. Seriously sad for {$.00} they screwed my bank account over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
We financed a car loan with fifth third bank and recently paid off the loan early, or so we thought. Our account showed a XXXX  balance and everything on our side showed paid in full. There was apparently an outstanding balance of XXXX cents that was charged afterwards as interest. We were never notified of an additional balance. No one ever called us to collect payment. We received no notification there was anything outstanding. Everything we had including our customer portal showed a XXXX balance on the loan. Today we were notified an account was put into delinquency status on our credit and we immediately started looking into what the issue was. After calling the bank we were informed for the first time that there was XXXX cents outstanding that had gathered another XXXX cents in interest for a total of XXXX cents owed. Again, we were never notified either through written or verbal notice that any amount was still due and the information available to us showed a XXXX balance on the loan. It disturbs me greatly that a banking company would neglect to contact their customers to collect payment especially on something as small as this. We never missed a payment on this loan and paid it off years early. The negligent and purposefully harmful way this case was handled is nothing short of malicious predatory lending in order to collect as much additional interest as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I sent midland credit management this document certified mail and midland credit management did not send the requested documents asked for in the validation request I mailed. Midland credit management sent me a document that was typed out on a plain piece of paper with Midland credit management logo on the top. I'm 200 % positive there is no agreement with my signature stating that I owe Midland credit management. Anyone create anything from a plain piece of paper. The response Midland credit management sent to CFPB is bogus! I know my rights as a consumer! XXXX XXXX  is a third party company who is to abide by the FDCPA laws. The validation request I sent goes as follows : I hereby dispute your claim and request validation of the alleged debt pursuant to the Fair Credit Debt Collection Practices Act. Please provide competent documentation as follows : Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Document evidencing your company has the right to collect the alleged debt. The total debt balance with an explanation of all interest and fees. Date the debt became delinquent and/or the date of the last payment. The name and address of the creditor and the creditors account number associated with the debt. The name and last known address of the debtor as it appeared in the creditors records before the assignment of the debt to your company. The names and addresses of all persons or entities other than your company to which the debt was assigned. Send me proof that you are licensed to collect debt in my state. Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. Lastly, I hereby request no telephone contact be made by your offices to my home, cellular phone, workplace phone, telephone numbers of my family and friends. All future communications MUST BE DONE IN WRITING as telephone calls are inconvenient. FURTHERMORE, THIS IS NOT A REQUEST FOR " VERIFICATION '' OR PROOF OF MY MAILING ADDRESS! Remove this immediately from all three credit reporting agencies for Midland credit management has violated FDCPA laws!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
was sent {$1600.00} on XX/XX/XXXX for auto parts i sold. was told by paypal i needed to upload tracking and wait for parts to deliver before the payment posted. parts delivered XX/XX/XXXX with a signature and buyer reports parts have been recieved in good condition. have made XXXX attempts to resolve and am not getting any answer. was told a claim was opened twice and received no further communication when i asked about the claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: CA

Complaint narrative:
The Credit Bureaus have failed to comply with the FCRA section 605b and cont inuied reporting the disputed items completely from my Credit Report despite all the letters and complaints I have been submitting to the Credit Bureaus. I am frustrated by the Credit Bureaus ' course of action. I have read enough to understand my rights which is clearly being violated by the Credit Bureaus. I am inclined to taking legal actions and sue the Credit Bureaus for the damages done. I have been disputing the removal of the fraudulent items from my Credit Report for a long time, and the last letter I sent to the Credit Bureaus was XX/XX/2022 requesting yet another investigation and proofs to support the Credit Bureaus claims that the disputd items belong to me. Pursuant of the FCRA section 605b, I am urging the Credit Bureaus that they remove the disputed fraudulent items comepletely from my Credit report : XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance {$3500.00} XXXX XXXX XXXX Balance {$4600.00}

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 non-monetary relief
Consumer complaint received 2022-08-04 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:
The Credit Bureaus have failed to comply with the FCRA section 605b and cont inuied reporting the disputed items completely from my Credit Report despite all the letters and complaints I have been submitting to the Credit Bureaus. I am frustrated by the Credit Bureaus ' course of action. I have read enough to understand my rights which is clearly being violated by the Credit Bureaus. I am inclined to taking legal actions and sue the Credit Bureaus for the damages done. I have been disputing the removal of the fraudulent items from my Credit Report for a long time, and the last letter I sent to the Credit Bureaus was XX/XX/2022 requesting yet another investigation and proofs to support the Credit Bureaus claims that the disputd items belong to me. Pursuant of the FCRA section 605b, I am urging the Credit Bureaus that they remove the disputed fraudulent items comepletely from my Credit report : XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance {$3500.00} XXXX XXXX  XXXX Balance {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Back in XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX a.k.a. XXXX tried to collect a debt ( {$100.00} for one month 's service ) through XXXX XXXX XXXX XXXX. I sent them a letter explaining the situation with the following information : The is a notice to inform your company that the debt being claimed by the creditor ( XXXX XXXX ( XXXX ) Account XXXX XXXX XXXX is invalid and lacks accuracy. Facts in the case are as follows : 1. XXXX billed for services NOT rendered. Those services were internet at a premium speed ( a $ XXXX. value above basic service ). A promotion of $ XXXX. off for 2 years. A total value of {$360.00} which should have been credited to the account. 
2. XXXX deleted from their records complaint calls regarding slow or intermittent internet. 
3. A XXXX sales representative promised to credit the account for the missing promotional credits. 
4. It was discovered that XXXX had reduced the ability of the modem to operate at the faster speed. The explanation from the tech department the speed was a result of being too far from the hub ( an admission that the speed promised could never be achieved and should have never been billed for ). This was a false statement discovered on further investigation that the modems size of packets had been reduced 50 % from the machine capability. 
5. The equipment was returned prior to the billing cycle. Thus, services were not rendered. 

The matter seemed to be dropped when no other correspondence being made after that. Now a new collection company appeared in XXXXXXXX XXXX XXXXXXXX. They were trying to collect a monthly service that was easy to show it was paid. They, I.C. System Inc., ignored blatant proof there was no debt owed and proceeded to file a ding on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My XXXX  XXXX Visa XXXX Card was either " lost or stolen '' on XX/XX/2022. I immediately reported to VISA Fraud Hotline that my card was " lost or stolen '' XX/XX/2022. 

Leaving my neighborhood grocery store, XXXX XXXX XXXX XXXX XXXX XXXX I noticed my card was missing. From my XXXX I checked my Bank of America Bank account and VISA account and I reported the " four fraudulent charges '' made on my card XX/XX/2022. 

Charge # 1 : XXXX, 2022 in the amount of {$55.00} Gasoline/Fuel, " VISA Fraud Dispute Ref # XXXX '' Charge # 2 : XX/XX/2022 in the amount of {$29.00} Gasoline/Fuel, " VISA Fraud Dispute Ref # XXXX '' Charge # 3 : XX/XX/2022 in the amount of {$470.00} Groceries XXXX, " VISA Fraud Dispute Ref # XXXX '' Charge # 4 ; XX/XX/2022 in the amount of {$540.00} Groceries XXXX, " VISA Fraud Dispute Ref # XXXX '' I have spoken with several VISA reps. over the phone since my initial report of Lost or Stolen and four fraudulent charges. The VISA reps guaranteed me the matter would be investigated. Shortly after my report, phone conversations with VISA, all four charges were " reversed XX/XX/2022. '' My VISA account was credited the {$55.00}, {$29.00}, {$470.00} and {$540.00}. I have had no further communications, texts, eMails, letters, notifications on my BofA App account, or phone calls from VISA regarding this matter. 

The beginning of XX/XX/2022 my XXXX  XXXX Visa XXXX Card statement reported all four charges were again being charged to my account. Again I called VISA Fraud Hotline. Today, XX/XX/2022, I received a letter from VISA stating " ... WE'RE UNABLE TO APPROVE YOUR RECENT CLAIM. '' The letter continues, " Based on your account history, this charge is consistent with previous charges with this merchant. '' I shop weekly for groceries at this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all of my charge amounts, " history '' are under {$100.00}. I have NEVER done business with whatever gas station the charges were made at, so there is no record of a " history. '' ( I also show a continuous history of paying my VISA card charges in full, no late fees, nothing. I have been with BofA / VISA for years. ) I need your help, VISA is standing firm denying my claim. VISA is not supplying signatures from the four charges. XXXX is not helping either. Gas station??? 

Respectfully, 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 2022-08-04 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: KY

Complaint narrative:
I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-04 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: KY

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has led me to believe I am a victim of identity theft, as I did not approve any info to be used in my name.. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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