vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX TRANSWORLD SYS INCXXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TRANSWORLD SYS INCXXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: MN

Complaint narrative:
I was originally a customer of Simple Bank which announced that they were going to shut down in XX/XX/2021. During my entire relationship with Simple I specifically had my accounts set to NOT allow overdraft fees. This means that any attempts to overdraw my account were automatically rejected. As part of the shutdown of Simple, accounts were transferred to BBVA with the assurance that account features would be maintained, and it would be " business as usual. '' Shortly after my account was moved to BBVA, BBVA was sold to PNC. Throughout this time, due to account number changes automatic payments were attempted, but rejected from these bank accounts. While PNC did not pay these businesses that were trying to pull money from my account they started charging me fees, even though they did not have permission to do so. This resulted in the charge of {$180.00} in fees to my account. 

I attempted to work through several individuals at PNC to resolve this issue, first through their chat function with representative XXXX XXXX, and then eventually with XXXX XXXX in their Executive Client Representative department, but they never attempted to resolve the issue. Each and every time I emailed XXXX I received a " form email '' with the exact same information stating that " I have already begun researching your concerns and will respond to you as expeditiously as possible. '' I contact him numerous times throughout XXXX and XX/XX/2021 with the exact same response and no assistance. Finally I received notice that they had closed my account and then sent my account to collections to have me pay them their fees. Fees that I never agreed to as they transferred my account from bank acquisition to bank acquisition ( Simple, to BBVA, to PNC ). I very calmly and professionally tried to work with PNC to resolve this issue, but they did not attempt to assist me in good faith. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXXXXXX WAKEFIELD XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious WAKEFIELD XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I've contacted the Bank of America on this issue stating I did not make and authorize the inquiries listed on my credit report. I received correspondence saying they are not deleting the inquiring. this company does not have a permissible purpose and they are violating my rights and the law! please see attached letter

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 2022-01-21 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 reported to the credit reporting agency that they're violating my consumer rights by reporting private information and also that I did not consent to it being reported. They claim they verified the debt and continue to keep reporting it. The agency did not verify the debt with me nor state who they verified the debt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: NY

Complaint narrative:
On XX/XX/2018 an Auto loan was opened under my name with XXXX XXXX XXXX without my knowledge. Identity theft. Balance Amout is {$9400.00}. Account # XXXX. I have submitted FTC report and Police report to Creditor and Experian already. I was informed to file CFP 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 explanation
Consumer complaint received 2022-01-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-01-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-01-21 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 — Investigation took more than 30 days
Company: Southern Auto Finance Co
State: CO

Complaint narrative:
Discovered an auto loan account in my XXXX credit report being handled by SAFCO ( XX/XX/XXXX ). I called SAFCO ( XX/XX/XXXX ) to inquire about the account, but they were unable to locate an account with my personal information ( SSN, Address, Name, DOB, Phone Number ). This occurred on multiple occasions ( XX/XX/XXXX, XXXX ). I also filed a dispute with XXXX ( XX/XX/XXXX ) to have the account removed. The dispute results ( XX/XX/XXXX ) were provided and SAFCO reported that the account did in fact belong to me. Again, I called SAFCO and they are not able to find an account number associated with my personal information. I then called XXXX ( XX/XX/XXXX ) and uncovered that there are several addresses, an employer, phone number, and name ( similar to mine but with a hyphenated last name ) tied to me. They were able to remove one of the addresses, employer, and telephone number, but not the auto loan account and name ( with identification number ) that is not mine. It seems the second address, auto loan account, and name ( hyphenated ) are tied together. XXXX acknowledged via phone call that the information being disputed is not mine, but refused to remove the information since SAFCO asserted the information belonged to me. SAFCO is also reporting my name is different via an email I received from them on XX/XX/XXXX asking for my SSN and copy of credit report. I did not respond as they should be requesting the information through XXXX and not be contacting me directly. I feel I am a victim of fraud and request a thorough investigation be completed on SAFCO and to have the information removed from my credit report. I also plan to file a fraud report with the local authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a long-time customer of Wells Fargo bank ( 37 years ). We have safe deposit box at their branch at XXXX XXXX XXXX, XXXX XXXX, CA. On Friday, XXXX XXXX, XXXX  I went to withdraw urgently needed assets from my safe deposit box and the branch was closed. I called Wells Fargo to find out how to access my funds. 
After numerous phone calls, callbacks etc. I was told the branch was " temporarily closed. '' The agent did not know when it closed or when it would reopen. She said I was sent a letter about this closure. I said I never got the letter. She looked into my record and agreed that a letter had never been sent.

I asked to speak to a supervisor and spoke with two others. None could tell me how to access my safe deposit box today. They said they would send someone in another department a letter that would take one to business days which is long past the time I need assets from my box. 
I also asked to have my {$45.00} safe deposit fee refunded since I'm paying for something I have no access to. They said they could not do that over the phone either. 
I'm not sure how I am going to come up with the assets I need to close another financial transaction today. 
PS : None of your web CFPB complaint pages have a circle to check for Safe Deposit Box issues or branch closers or " other '' so I just put it under checking accounts.

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 2022-01-21 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: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

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 2022-01-21 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: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

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 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Truist fraudulently and criminally stole {$300.00} from me when they did not complete a XXXX transaction they said they were going to do within minutes. They refused to give me the money that is rightfully mine and not theirs.

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 2022-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CO

Complaint narrative:
YOU SENT ME A LETTER ATTACHED TO THE LAST COMPLAINT SAYING THAT I OWE TOTAL XXXX  YET YOU ARE REPORTING THIS ORIGINAL ACCOUNT FROM AN ADDRESS THAT WAS NEVER AN ADDRESS OF MINE THIS IS FRAUD AND HAS BEEN REPORTED TO THE ORIGINAL CREDITOR AS WELL AS VERIFIED THEY RECEIVED THE POLICE REPORT FROM XXXX COLORADO POLICE DEPARTMENT FOR ID THEIFT, THEY HAVE RECENTLY REMOVED THIS AS THEY WERE REPORTING THIS AT THE SAME THIS COLLECTIONS AGENCY WAS WHICH IS IN VIOLATION OF The Colorado Fair Debt Collection Practices Act ( CFDCPA ). 

TILL THIS DAY HAVE YOU BEEN UNABLE TO PROVIDE THE FOLLOWING FOR Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Please provide the name and address of the bonding agent for THIS COLLECTION AGENCY in case legal action becomes necessary. 


IF YOU ARE UNABLE TO PROVIDE THE ABOVE REQUEST THIS WILL BE FOWARD TO THE ATTORNEY GENERAL OFFICE AND A LAWYER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Spoke with collection company about a higher than original balance on my account. It turned out that the debt collection company decided to add anothers person account to mine. They claim it is my spouse, my spouse is A completely different person than what they claim and has been my only spouse. When I tried to get them to remove this debt or to offer me a letter saying that my payments will only apply to my original account to which I acknowledge and would like to pay they said they couldnt do that. All I wanted was a guarantee in writing that my payments will only go to the accounts that I am responsible for, not some other account that without my knowledge or any written proof that its in anyway linked to me, but they wouldnt do that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: NV

Complaint narrative:
Back in XXXX of 2021, I have submitted a request for an investigation on items that are potentially fraud and incorrect. I have supplied with necessary information for them to initiate a formal investigation including my ID and other personal information along with FTC complaint form filed. Since then, very little, if not any, action have been taken by credit agencies involving my investigation request. By law, they have to conduct an investigation within 30 days from the complaint and yet as of this date, nothing has been done.

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 2022-01-21 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: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: MS

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation