vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX I was notified by your company on XX/XX/XXXX regarding an alleged debt Creditor : XXXX XXXX XXXX of {$140.00}. I have reason to believe I do not owe this debt because because I believe you have me confused with a different person and that I do not have owe any money to the creditor. 

I request all of the following information be provided to me by mail : XXXX. The amount of the alleged debt ; XXXX. The full name and mailing address of the original creditor for this alleged debt ; XXXX. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; XXXX. Documentation showing you are licensed to collect debts in Virginia. 

Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 

Sincerely, XXXX XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
I have obtained my credit report and found accounts Ive never opened, and addresses I never resided, inquiries I never made and also different variations to my name. I also found this account that I believe is not mine : Acct name : PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am not liable for this debt and I do not have a contract with : Company : PORTFOLIO RECOVERY Ive filed multiple disputes. Filed a complaint with the XXXX. Ive attached Police report & also letters Ive sent PORTFOLIO RECOVERY. I also plan to consult with an attorney about this matter. Please delete this account from my credit report at once. I need a response from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I XXXX XXXX a living woman am opting out of you reporting my non public information pursuant to 15 USC 6802 immediately. Re : Account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Allied Collection Services, Inc. (Nevada)
State: AK

Complaint narrative:
An amount of money was sent to collections and the collections agency failed to notify me before it was sent to the crediting agency. I never spoke to any one over the phone from a collection agency. I was never notified in writing from a collection agency. I never received an email from a collection agency.

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 2023-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

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 2023-04-01 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: NJ

Complaint narrative:
I have sent several disputes to XXXX, Experian, XXXX stating that an account was not mine and it was due to fraud. I showed proof that this fraud was done by an apartment complex and I showed proof of taking them to court to sue them over fraud. XXXX and Experian deleted it off my credit report but XXXX refuses to remove it. I even hired a credit repair company to dispute it and they still denied the dispute. I will like XXXX XXXX of {$270.00} removed from my credit report. Also on XXXX XXXX XXXX I sent all 3 credit bureau my accurate name and address along with social and employment and phone number. I asked that any inaccurate information on my credit report to be removed because I fear for future fraudulent activity. I am trying to correct my credit so I can be able to purchase a home in my near future. I sent letters to Experian, XXXX, XXXX. 
Experian still has inaccurate information on my credit report even after me showing proof. I also will like this inaccurate information removed. It has reached the 30 day mark for all corrections since the disputes.

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 2023-04-01 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: CA

Complaint narrative:
Accounts show the wrong address, phone numbers, and employment. 

Other Address XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Number ( XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Occupation 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 2023-04-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Accounts show the wrong address, phone numbers, and employment. 

Other Address XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Number ( XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Occupation XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
CREDIT CARDS OEPNED UNDER FRUAD : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and closed as a charge off in XXXX. CHECKING/SAVINGS ACCOUNTS OPENED UNDER FRAUD. 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 midland credit. 
Attached police report below of legal proof I didnt open those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
NOTICE AND DEMAND Equafax is reporting erroneous information. The information that has been reported is for a commercial loan and should not be in my personal Equafax is the only agency reporting the erroneous information. Equafax needs to remove it and delete it immediately there is liability that could be repairable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: FL

Complaint narrative:
I have an account that appears from XXXX XXXX from XXXX that account is not mine and on XX/XX/XXXX transunion deleted that account from my record and sent me a letter that the account had been removed from my record but now it appears again in my account here I include a sample of the letter that transunion sent me saying that the account was deleted

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 2023-04-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In XXXX of XXXX, I noticed a charge on my Citi Credit Card and subsequently file a dispute with Citibank to look into the fraudulent charges. The scammer then uploaded bogus documents, which showed a completion different address & name that is completely different than my name & my address on file. Nonetheless, the dispute was still ruled in favor of the vendor and I had tried to reopen this case for the past few years with no resolutions. There was even an affidavit signed by me on XX/XX/XXXX and there was no response since. Please see below for documentation of the interaction. 

I kept calling in every few months since and they have been avoiding & stalling with promises that it will be addressed but never does.

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 monetary relief
Consumer complaint received 2023-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have a XXXX XXXXXXXX. Under my FHA home loan and insurance I was protected from these late payments and filed all paperwork and was approved. I have been to court and these collections were dismissed by the judge. 
The credit reporting agencies still refuse to remove them and update my accounts This debt that was dismissed also keeps going back on my report and bill collectors call me back to back every day. Please help me

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 2023-04-01 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: MI

Complaint narrative:
I have a XXXX XXXX. Under my FHA home loan and insurance I was protected from these late payments and filed all paperwork and was approved. I have been to court and these collections were dismissed by the judge. 
The credit reporting agencies still refuse to remove them and update my accounts This debt that was dismissed also keeps going back on my report and bill collectors call me back to back every day. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
In collections for a medical bill. That I never got notice I could settle couldn't afford at the time the medical bill and never got warning they were sending me to collections until I was already in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I opened a new checking and savings account with FNBO on XX/XX/XXXX  using a promotion code that qualified me for account opening bonuses for both products. After meeting the requirements for these bonuses, FNBO failed to honor the terms of the account opening agreement.

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 2023-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name XXXX  # XXXX, Account name XXXX XXXX XXXX XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It  also states a consumer reporting agency can not furnish an 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 my 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 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 2023-04-01 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name XXXXXXXX XXXX # XXXX, Account name XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 my 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 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 2023-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please delete these inquiries as they do not belong to me. 

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 2023-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Fraud on my account totaling {$7000.00} from two different accounts. Bank of America took 90 days to then tell me I wont get it back.

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 monetary relief
Consumer complaint received 2023-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
A representative mis guided us on a payment plan to make sure we were all caught up on payments. One month in XXXX was missed but was paid within 2 weeks after the due date, we have made a payment each month but company has said we are past 50 days late and has used our payments incorrectly and inaccurately. 
Also with the law of 15 USC 1681 a, it should be reported accurately if reported at all between purchase of company and customer. The company is 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 2023-04-01 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:
A representative mis guided us on a payment plan to make sure we were all caught up on payments. One month in XXXX was missed but was paid within 2 weeks after the due date, we have made a payment each month but company has said we are past 50 days late and has used our payments incorrectly and inaccurately. 
Also with the law of 15 USC 1681 a, it should be reported accurately if reported at all between purchase of company and customer. The company is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I went online to look for a rental car and I found somewhere he said his name was XXXX XXXX the phone number was XXXX he said American Express cards had a special with his company at 50 % off per day but it expired that day I said that I didn't have one he said I could go buy a prepaid card I gave him the information and my card got charged {$240.00} on one transaction at XXXX {$0.00} at another transaction to XXXX and {$45.00} at XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01 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: Self Financial Inc.
State: AL

Complaint narrative:
Im accordance with the fair credit, reporting act XXXX  SELF FINANCIAL Account # XXXX  has violated my rights.

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 furnace account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open in consumer credit, plant escalate for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Im a XXXX citizen who wanted to wire money to XXXX, an equity administrator for the company I was formerly employed with to exercise my stock options. 

XXXX had provided me with detailed instructions to wire money to their checking account at Wells Fargo Bank. The amount was {$67000.00} USD. On XXXX XXXX, I initiated this wire transfer from my bank named The XXXX XXXX XXXX XXXXXXXX in XXXX. 

After waiting more than 7 business days and no acknowledgement that XXXX received my money in their Wells Fargo checking account, I contacted my bank to issue a wire trace. My bank informed me that Wells Fargo had refused my wire transfer and has also refused to disclose the reason. 

Wells Fargo Bank also refused to return my money to my bank as well. This lack of transparency is extremely frustrating and now I have lost {$67000.00} USD. 

Can someone please help me with Wells Fargo Bank to resolve this issue?

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