vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-04 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:
I have been working on my Experian credit profile and I noticed there are incorrect addresses and a name on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT name that should be deleted is XXXX XXXX XXXX. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX, GA XXXX XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Whereas every obligation is to be discharged upon payment, dollar for dollar ( in any coin or currency which at the time of payment is legal tender for public and private debts ). And where every provision contained in any law authorizing obligations to be issued by or under authority of the United States, is hereby repealed ; please take the necessary steps to discharge any debt incurred from consumer credit transactions on this card under XXXX XXXX. 

Additionally, in accordance with 15 U.S. Code 1666 ( A ), please take the necessary steps to credit any balance created in connection with consumer credit transactions on this credit card. 

BANKAMERICARD PLATINUM PLUS MASTERCARD - 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 2023-04-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

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

Complaint narrative:
I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are the following : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and there is XXXX XXXX XXXX XXXX, IL XXXX. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Allied Consulting Services LLC
State: GA

Complaint narrative:
My husband, mother, and brother were all contacted looking for me. They spoke to my husband in great detail about my debt. I received a voicemail today stating that they would proceed with financial judgement and told me this would affect my ability to be employed or get a bank account. 

I closed a bank account in XXXX of 2020 with Georgia XXXX XXXX XXXX. 
Before I closed the account, I paid XXXX {$18.00} for a web subscription. 
According to Allied Consulting, the check processing company that XXXX uses, ( XXXX ) paid XXXX. They allegedly waited one week before withdrawing the funds from my account. When they tried to withdraw funds for themselves, they were notified the account was closed. Since my XXXX account was up to date, I never received notification that XXXX had not been paid. XXXX never contacted Georgia XXXX XXXX XXXX or me. They sent my {$18.00} charge into collections. 

They claimed XXXX sold this debt to Allied Consulting, and that they tried to send a letter to an old address for me notifying me about this debt. I did not receive any communication about this debt. 

XXXX from Allied Consulting stated I owed {$260.00}, but could settle today for {$100.00}. 
They threatened me and said that if I didn't pay the {$100.00}, they would file a financial judgement today and I would incur up to {$700.00} in attorney 's fees. I paid the {$100.00} to get them to stop calling my family. 

Georgia XXXX XXXX XXXX has NO RECORD of XXXX attempting a transaction from the dates they mentioned. 

My Credit Report shows no records of a debt from Allied Consulting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I sent a registered/certified mail letter to ProCollect which was received on XX/XX/23. In this letter, I disputed the dept and included the verbiage " All future communications with me must be done in writing and sent to the address noted in this letter by USPS. '' However, I received multiple phone calls from ProCollect on XX/XX/23 and again on XX/XX/23.

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 2023-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
Someone obtained my acct info @ XXXX XXXX. Opened an online banking acct ( I never have online banked ) Moved total of XXXX. out of my acct into theirs using ZELLE . 
I did not authorize. Bank has denied my claim for reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Back in XXXX or around XXXX Capital One Finance reached out to me about surrendering the car to them or paying {$6000.00} dollars. I agreed to surrender the vehicle because I didn't have {$6000.00} dollars and gave them the address and call them on multiple occasions to come and get the car, no one ever came and now in XXXX they reached out to me stating they are going to put a repossession for the car after two and a half years of no response to my calls or anything. I don ' think this should count against me or go on my credit when I voluntarily agreed to give surrender the vehicle. When I ask the representative why they didn't come get the car his response to me was they don't have anything to do with the repossession people. But 2 and a half years later now you want to put this on my credit, and I disagree. If there is anything I can do any advice would be appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management Collection has been harassing me and my family for 13 years over a debt I do not owe. Apparently this is the result of identity theft. They have said they served me through the mail at an address that I have never resided at and they have an incorrect social security number for me. They have successfully secured a wage garnishment against me for {$21000.00} and have already taken {$800.00} from my last paycheck. The phone number to this agency is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I had an old debt owed to American Express. I recovered financially and wanted to pay off and clear my old debt. An " American Express Debt Collection '' company ( authorized to use the AMEX logos and represented as an agent of American Express ) looked up my employer phone number and repeated started calling my workplace. Repeatedly they had the receptionist " page the whole office '' to get me on the phone. This caused me very real conflict with my Broker in Charge and potentially jeopardized my license to do business as we have a fiduciary duty to the public and debt collectors calling and paging me at work is ILLEGAL. 
Because of this stress, duress, I called American Express and PAID A FULL SETTLEMENT they asked for to clear the debt and credit reports. 
American Express did not settle or clear the debt as agreed. When disputed, they also then reported the TOTAL DEBT and did not account for ANY OF MY PAYMENT. 
NOTE : this debt was very old, near the 7 year expiration, but I worked in good faith to try and settle. 
Now, they have sent me a tax form that I owe them money or have a credit I must report for the difference THEY AGREED TO. 
I was mislead, and they have broken various collection rules in this process. 
I would like this all REMOVED FROM MY CREDIT report at this stage as I have tried, and tried, all reasonable steps to work with them and they are being very unfair about handling this long past account.

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

Complaint narrative:
On XX/XX/XXXX i disputed the completeness and accuracy with Transunion and XXXX and i received reinvestigation results from each of them and there were very noticeable inaccuracies. They verified these accounts as accurate when each of the companies documents are reporting very different things. 

For Transunion and XXXX the account XXXX XXXX acct # XXXX the account has multiple violations and inaccuracies. 

1. They failed to mark the account as disputed even though they said the account in dispute was verified as accurate. They Violated 15 usc 1681s-2 ( a ) ( 3 ). Transunion is knowingly reporting this account without being marked as disputed when they are not allowed to do so. 
2. The payment history from XX/XX/XXXX to XX/XX/XXXX they are reporting the account 120 days late consistently every month when XXXX is reporting the same account as 180 days late consistently in the same time period. 
3. The payment status is incorrect. Transunion is reporting the payment status on the reinvestigation results as 120 days late or past due while XXXX is reporting 180 days late or past due. 


For the other XXXX XXXX account Acct # XXXX the account was not marked as disputed from either one and is a violation of 15 usc 1681s-2 ( a ) ( 3 ). To take it a step further Transunion is reporting the last update as XX/XX/XXXX when the reinvestigation results were issued to me on XX/XX/XXXX. This shows negligence and willful non compliance. 

These obvious inaccuracies are hurting my ability to obtain credit and i demand they be removed immediately from Transunion and XXXX. 

I have Attached the Letters i sent out on XX/XX/XXXX and the reinvestigation results from each company I have also attached My identification

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 2023-04-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has been inaccurately reporting my XXXX credit card account for the past two months. Please see attachments of my XXXX Credit Card statements versus what Experian continues to report the same inaccurate balance multiple times in one month causing score decrease.

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 2023-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CarMax, Inc.
State: FL

Complaint narrative:
I was involved in a multi car accident of which my vehicle was the middle car of the XXXX car accident. My car was a total loss. The balance left on my car was about {$14000.00}. The auto insurance paid off {$10000.00} and i was informed from Carmax that my gap insurance will cover the remaining balance. Carmax contacted me about XXXX months laters stated my gap insurance is not going to cover because my license was expired ( i didn't know until carmax informed me ). For months i went back and forward with my gap insurance. About 3 years ago, they agreed to cover the balance because the contract did not specify about expired ( not suspended ) license. I waited and waited for them to pay it off but they did. Eventually i contacted them and they told me they're not covering the balance. " What a disappointment ) As years went on, I have been disputing for this accout to removed from my credit report. This account is XXXX  years and XXXX  months old. It is damaging my credit. I have suffered and fight this company long enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. THis is preventing me to purchase a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I received a call from a caller ID that stated it was Wells Fargo. I answered as I had a pending claim, and was told it they might need additional information. Once answering the person on the phone asked if I had authorized a transfer of {$1000.00} ( keeping in mind he already had all information needed for me to be under the impression it was actually the bank Including name, phone number, account number etc. ) He told me that it could get taken care of all 's I needed to do was approve the transaction from my end so that a reversal could take place ( which I received text/email confirmation of and that all of my money would be safe. After that he stated that he needed to check my other accounts to see if the same person tried to make a transaction with those accounts. He stated that there were 2 {$500.00} pending transfers in my account with ally bank, and that I needed to follow the same steps, and that everything would be taken care of. This call took place on XX/XX/XXXX from the phone number XXXX. I called that bank immediately after hanging up the phone to confirm the information. They informed me that i was not really talking to someone from the bank, then told me that there was no way to stop the transactions. I was told to file and claim and that my money would be returned in 10 days. I received no communication from either bank about the status of either claim so I called XX/XX/XXXX to check that status. I was told by XXXX is was denied and they couldn't give me any more information until I received a letter in the mail, and Wells Fargo wouldn't give me a straight answer. I finally received letters in the mail from both today XXXX that my claims were denied. I tried calling to see what else could be done to retrieve my XXXX that was taken and they told me it was my fault because I approved the transition on my end and they won't be giving my money back. They would as continue to transfer to me different people throughout all of the calls because they did know what to tell 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 2023-04-04 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: VA

Complaint narrative:
I was contacted by XXXX XXXX XXXX, through email, that my new Credit Card was on its way to me. I did not apply for, nor authorized anyone to apply for, a credit card with this company. Once I contacted the customer service department to cancel the account, I recieved a email congratulating me on the completion of an application for The XXXX XXXX XXXX Credit Card. Once i requested a credit report from all XXXX reporting companys Experian should a 3rd credit card opened by XXXX another XXXX XXXX i guess. All of these accounts were opened around the same time XXXX i did not authorize any new credit card accounts to be opened in 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 2023-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
in accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Bankruptcy XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 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 crime which antedates the report more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer 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