vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-29 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am a victim of scam to purchase a puppy where I paid {$300.00} for a puppy and I never received the puppy. I used XXXX through 5th Third for the transaction and XXXX and XXXX are stating that they can not refund the money because they can not get the money from the person the money was sent to. XXXX  had returned the funds and then without notice to withdrew the funds from my account. My case number with XXXX is Case XXXX. 

On XX/XX/XXXX I was in contact with XXXXXXXX XXXX  on XXXX who stated they were in XXXX and had these cute little puppies. They had sent pictures. I picked a puppy and sent them a {$300.00} deposit. Once I started to ask if my friend that lives in XXXX could come see the puppy, things went a different way and I realized that I had been scammed. I immediately called my bank and told them that I had been scammed. The opened a case. After 10 days they had returned the {$300.00} to me. On XX/XX/XXXX the withdrew the money from me with no notification. When I called they stated that XXXX could not get the money from the scammer so since I approved the transaction they had to withdraw the money from me. 

I then tried to contact the scammer and it was a XXXX number and also their XXXX  page has been closed. They did text me but of course no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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 — Was not notified of investigation status or results
Company: LEXISNEXIS
State: NV

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX  XXXX Bankruptcy XXXX XXXX XXXX  XXXX Please remove this bankruptcy from my public record

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and Capital One Bank USA are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector XXXX  Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly vio-lates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my pri-vacy and HIPPA.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX Between the report I received in XX/XX/XXXX and the report from XX/XX/XXXX, this company has changed the dates of the last payment and the first date of delinquency. This greatly manipulates the statute of limitations. 

COMENITYBANK/VICTORIA Between my report from XX/XX/XXXX and XX/XX/XXXX this account is reporting different major delinquency dates with no account history. They are reporting a closed date of XX/XX/XXXX with XXXX. The reporting is inconsistent and falsely manipulates the statute of limitations. 

XXXX This account is reporting two different major delinquency dates between my XX/XX/XXXX and XX/XX/XXXX reports. They are reporting to XXXX a charge off date of XX/XX/XXXX. The reporting is inconsistent and falsely manipulates the statute of limitations. 

I submitted a request for verification in XXXX and a dispute in XX/XX/XXXX. These companies have been allowed to simply update/change inaccurate information instead of being removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I've opened a Saving account and Safe Deposit Box with Suntrust Bank Branch location : XXXX XXXX XXXX XXXX, XXXX, GA XXXX in XXXX. I forget all about the safe deposit box due to me moving. I went back to the same branch location earlier this year attempting to retrieve the contents/ property that was inside the safe deposit box. The branch manager attempted to lookup my information via my Social Security, Name, Address. She stated system shows " no account found ''. I explained to her that the saving account and safe deposit box was opened Under Suntrust Bank, not, Truist. She stated system would have still found my account base on my social security. The Safe Deposit Box had my original Birth Certificate and I want it back. I also had other personal items inside the safe deposit box. I want all the content back. I'm originally from XXXX, it will be extremely difficult for me to get another copy of my birth certificate from XXXX due to the country 's political unrest. At no point did someone from Suntrust or Truist bank contacted my about the safe deposit box. Never received any letters regarding box being closed down. I currently live in Florida and attempted to get a local branch manager at Truist in XXXX XXXX, FL to assist. She went an email to the XXXX, GA branch and XXXX XXXX was supposed to get back to me, but I have not heard anything over 2 months. I also contacted GA Dept of Revenue/ Unclaimed Property division and they don't have any item for me from Suntrust/ Truist bank .

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 2022-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
This company reported an account from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, in the amount of {$780.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit Reporting agencies.

From a previous complaint that I have filed against this company through the CFPB under complaint # XXXX, I indicated the same complaint as above. The company responded that they sent a validation letter on XX/XX/XXXX and that it was not returned as " undeliverable ''. I dispute this as I have lived abroad since XX/XX/XXXX and I have not held a US address through a US based mailing service since XX/XX/XXXX. So it is impossible for Midland Credit Management to state they have sent me any notification. On XX/XX/XXXX, I was living in XXXX, XXXX, as per the XXXX long stay notice attached. No validation letter was received at my address in XXXX, XXXX from Midland Credit. 

So again, this collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit Reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed accounts. 
XXXX XXXX Balance Owed : {$3500.00}

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 2022-07-29 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-29 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/XXXX, three fraudulent transactions were made from my Chase account. 
Two credits into my account for XXXX $ each ( Total XXXX  $ credit ), and one debit of XXXX $ via XXXX to an account name XXXX who I have never had any transactions with in the 5 years I have banked with Chase. 

I instantly contact Chase and flagged these transactions within the 10minutes of getting a message from XXXX Chase about the XXXX $ transfer to XXXX. 

Since these were fraudulent scam charges, I submitted a claim with Chase ( Claim Number # XXXX, # XXXX ) for all these three transactions : the two credits, and one XXXX payment. 

Chase force posted these three transactions to my account and stated the investigation was still ongoing. 

Few days ago, Chase took out the XXXX  $ unauthorized credit from my account and said they were still investigating the XXXX  transaction. 

On XX/XX/XXXX Chase contacted me via email and said after investigation, they dont claim this XXXX  transaction to be unauthorized since it came out of my account and will not refund me the XXXX $ that was taken out of my account and this case is hereby closed. On calling them they said a ) since XXXX is a third party vendor, Chase could not get the money back from them and therefore can not give me my XXXX $ back. b ) they also said since these transactions came from my account, they consider it authorized and will not reimburse me. c ) They will not reopen this dispute unless they get a report from authorities or proof that it was not me who did these transactions. 

To address the third point I had contacted the police and filed a report and have a case number with the XXXX XXXX police department ( XXXX ) and Chase has asked me to fax this report over to maybe look into reimbursing me. But I also want to file a complaint with the CFPB to protected under the Regulation E of the External Funds Transfer Act to have Chase Bank reimburse me my XXXX $ since I has a consumer did not authorize this fraudulent scam XXXX $ XXXX payments, neither did I receive any benefit from the transaction, so under Regulation E the bank should reimburse me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: TX

Complaint narrative:
Americollect INC. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WV, XXXX To : The Office of Registered Agent for Americollect INC. 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my pri-vacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX 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 2022-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: UT

Complaint narrative:
ON XX/XX/XXXX I PAID OFF MY ASPIRE ACCOUNT IN THE AMOUNT OF XXXX. I ACCIDENTALLY PAID IT OF TWICE. IN TWO PAYMENTS IF XXXX Totalling XXXX. 
I contacted Aspire on XX/XX/XXXX via text chat. I texted with XXXX. He said " I will have a refund request forwarded to the appropriate department. Please allow 7 business days for internal processing and an additional 10 business days for you to receive the refund check. 
Then on XX/XX/XXXX Aspire closed my account out of the blue, saying because of " inactivity on my card ''. 
This made my credit score drop XXXX points! I have had XXXX XXXX on time payments. 
Then on XX/XX/XXXX they said I was issued a refund. 
They didn't send a direct payment to my bank account. I called the on XX/XX/XXXX to see when I could expect a payment, if they sent it to my bank account. 
I talked to XXXX. Then he told me no, it wouldn't be going directly to my bank account, that I would have to wait another 7-10 business days for them to process a check, then wait another 7-10 business day to receive my check in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AA Recovery Solutions, Inc.
State: NJ

Complaint narrative:
AA Recovery Solutions has repeatedly called my number looking for XXXX XXXX. I told him this is not his number. I said he does not live with me and is not his phone number. I would like him to stop calling. He said XXXX gave me your number to contact him. Which is a lie. I am on the do not contact list. I told him this debt is not mine so stop calling. He kept calling one call after another. He is repeatedly calling and telling me i know who he is and he wants to talk to him. This is not my debt and I do mot have to explain anything to a man or company i know nothing about. I also do mot have to give him any information on my living situation or marital status at this moment. I want the harassing to stop.They are claiming its for a business account. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING ACCOUNTS. BLOCK AND REMOVE IT. 
XXXX XXXX XXXX USA, XXXX XXXX and XXXX XXXX XXXX  XXXX  INDIANAP.

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 2022-07-29 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, AZ 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 violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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