vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Emergent Business Group, Inc.
State: NC

Complaint narrative:
A company called Emergent Services continues to spam call me and keeps calling my work after they have been advised not to contact me at my place of employment. Today XX/XX/23 they have called me 14 times in less than 2 minutes on my personal phone number. They also tried calling my place of employment. I dont know who or what they are trying to claim that I owe them money for but they have been advised not to contact me or contact my place of employment to speak with 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 explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Dear Sirs, I kindly ask you to review the attached documents and please help me reimburse my founds {$10000.00}, illegally charged by Wells Fargo Bank XXXX 

Best Regards, 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 monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I just did some extra research and I am highly upset of this issue, I have tried fixing this issue with the credit bureaus with my addresses before I noticed they still haven't fixed it, and I still have much more unauthorized inquires, what is wrong with you guys, please help me to get them to fix these errors on my 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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I just did some extra research and I am highly upset of this issue, I have tried fixing this issue with the credit bureaus with my addresses before I noticed they still haven't fixed it, and I still have much more unauthorized inquires, what is wrong with you guys, please help me to get them to fix these errors on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX ireported that my account had been hack for {$9400.00} cents to the fraud department the bank refuse to give my funds 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 2023-06-14 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: MO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY THIRD REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CITY CREDIT CORPORATION
State: LA

Complaint narrative:
I was sent a letter about a debt owed in the amount of {$390.00}, dated XX/XX/XXXX, I sent a payment of {$200.00} in XX/XX/XXXX, because I had just gone back to work. After I paid the {$200.00}, I received a lawsuit stating I owed the company {$390.00}. I was not given credit for the amount I paid. I wrote the attorney that the company hired and sent in a copy of the money order that had been cashed months ago by the company. Showing that the company gave the lawyer false information. The attorney again filed false information to the courts on XX/XX/XXXX, stating that i owed {$39000.00} ignoring the facts that I only owed {$190.00} and file again false information in court which i am writing the Supreme Courts against the lawyer for filing false information to the courts and getting a judgement with false information. When i made this loan the company did not give me credit for interest when paying off another loan it was combined with this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 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: SC

Complaint narrative:
I had to pay taxes on the companies that are listed on my credit report and they were also at the end of the time to be on my credit report. They sold these and wrote them as a charge off yet still remained on my credit. XXXX experian would not look into although it was for a different reason. The others would not acknowledge or remove their claim due to the fact they had collected something on the charge offs and the collection companies. I claimed over XXXX in income due to credit card debt and some was from over twenty years ago! How this is possible I do not know. But the XXXX I did not recognize XXXX of the cards and that is another complaint I got off track there is just so much. But there is no removal or anything like that stating they got something because it was from them not collections that was a separate 1099-c I also paid collections for the same amount same debt. XXXX write off on several same things. How can XXXX companies make me pay taxes twice?

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 2023-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This is to inform the CFPB of a company by the name of XXXX XXXX XXXX that is treating the consumer to share this information with Midland funding in order to collect a debt I have addressed this issue with XXXX XXXX XXXX in the past XXXX XXXX XXXX has He's threatening to sell my information this is a violation and a breach of contract the company has dishonor by not accepting EXEMPTION XXXX XXXX XXXX needs to stop threatening to collect the debt the descriptions are in the PDF file provided by the consumer on this portal thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 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: AZ

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2023-06-14 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX To whom it may concern : XXXX Account number : XXXX On or around the date of XX/XX/2023 a payment was attempted to be make. Unfortunately, there was a glitch in the payment system that ultimately resulted in an unprocessed payment. I tried to settle this matter with the company, but to no success the issue was not corrected. The unprocessed payment have impacted my credit score tremendously. Im requesting a back dated adjustment that will place my account in good standing and paid for the month of XXXXXXXX XXXX XXXX 

Sincerely, 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 2023-06-14 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: LA

Complaint narrative:
I implore you to take action and remove these fraudulent accounts from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: NY

Complaint narrative:
According to my online doctors portal, I have paid everything that I owed. Now I have bills from the same company saying I still owe {$290.00} as well as them submitting a complaint to collections. Collections says I owe {$170.00}. The portal shows I owe nothing to the company. With the collections letter, it includes an account number that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
wrong addresses wrong names- Please correct my address to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. This is my only address. I have no knowledge of any other addresses- Please correct my name to XXXX XXXX XXXX. This is my only name and spelling. No other name exist. I have no knowledge of any other names

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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
wrong addresses wrong names- Please correct my address to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. This is my only address. I have no knowledge of any other addresses- Please correct my name to XXXX XXXX XXXX. This is my only name and spelling. No other name exist. I have no knowledge of any other names

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 2023-06-14 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: DISCOVER BANK
State: IN

Complaint narrative:
Summary : I purchased goods from a company in XX/XX/XXXX who went bankrupt in XXXX of XXXX and never placed my order. I have never received the goods that I paid {$5100.00} for and Discover to refusing to refund my money. Discover clearly states on their website that " incomplete service '' is a valid reason to dispute the purchase : From Discover 's website, " How to Dispute a Credit Card Charge '' : " Did you pay for something that was never delivered? Was there a quality issue that affected your ability to use your purchase, or the product you received wasnt as advertised when you charged your card to pay for it? While youll need to make a good-faith effort to solve the problem with the merchant first, you can also dispute credit card purchases where there were these types of service issues. '' I have worked tirelessly, submitting documents showing clearly that the company is no longer functioning, that they have told me that I will never receive the goods that I paid for, and have spent hours on the phone with Discover. Discover requires that I make a " good-faith effort '' with the merchant first, which I have attempted to do. Since the company no longer exists I have not been able to successfully reach them. 

XXXX : XX/XX/XXXX : Purchased XXXX pieces of furniture from XXXX XXXX  for XXXX using my Discover credit card. Was told by XXXX XXXX that the items would be shipped in XXXX weeks. 

XX/XX/XXXX : Received an email from XXXX XXXX saying the furniture would not be delivered until XX/XX/XXXX. 

XX/XX/XXXX : Received an email from XXXX XXXX  saying they filed for bankruptcy and liquidation of all assets. Order status was changed to " Currently unable to fulfill. '' XX/XX/XXXX : Filed dispute with Discover for fraud due to " goods never received ''. Uploaded all documentation from XXXX XXXX  declaring bankruptcy. 

XX/XX/XXXX : Receive status update from XXXX XXXX  : " Unable to fulfill order '' XX/XX/XXXX : Discover says they have completed the investigation and the transaction is found to be valid. 

XX/XX/XXXX : Called Discover to reopen dispute, Discover says they can not reopen but will send to supervisor XX/XX/XXXX : Called Discover, says it is under review by supervisor XX/XX/XXXX : Called Discover, says it is under review by supervisor XX/XX/XXXX : Called Discover, no update XX/XX/XXXX : Called Discover, they say that I must contact XXXX XXXX and get proof that credit is due on this account. Can not contact XXXX XXXX  as they have not been a company since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-14 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-06-14 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I paid off this debt.

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 2023-06-14 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: GA

Complaint narrative:
IN REFERENCE OF THE BELOW ACCOUNT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX In accordance with the Fair Credit Reporting Act XXXX acct # 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 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 166b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason

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 2023-06-14 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: GA

Complaint narrative:
IN REFERENCE OF THE BELOW ACCOUNT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX In accordance with the Fair Credit Reporting Act XXXX acct # 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 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 166b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason

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 2023-06-14 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: MD

Complaint narrative:
I paid of a debt on full to Hunter Warfield 5 years ago on XX/XX/2018 in the amount of {$3000.00} which was the amount on my credit report at the time. I have proof of payment along with the dispute letter I mailed to the Credit Bureau during that time. It was taken off my credit report then put back on it months later. My current credit report the amount is {$3600.00} with accrued interest. I called asking for them to remove it every year since & to give me documentation stating paid. They were rude and claimed to see no record of payment. I've been dealing with this issue for years. I've decided to take legal actions against the company. I don't owe them anything. Many other consumers have the same complaint regarding this company. I'm moving forward with a civil suit to find resolve.

Company response to consumer: Closed with explanation