vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to address a debt that has been reported on my credit report by Midland Funding. The company has stated that they purchased a debt that the original credit was a XXXX XXXX XXXX  account that was charged off in XXXX. However, I would like to clarify that I did not have a XXXX XXXX XXXX  account prior to XXXX. The name on the account in question is XXXX XXXX, which is similar to my name but it is not mine. I believe that someone may have used my identity to open the account without my knowledge or consent.

I have already informed Midland Funding that the account was not mine. However, I am disappointed to learn that they are still trying to collect from the account as if it belongs to me. This has resulted in the account being reported as a collection on my credit report, which is negatively impacting my creditworthiness and preventing me from obtaining credit. 

Therefore, I kindly request that Midland Funding deletes this collection from my credit report as soon as possible. As I never had this account, it is unjustified and unfair for it to be reflected under my report. I would appreciate your prompt attention to this matter, and I thank you for your understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Keep in mind these are posting dates - transaction dates occurred earlier. 

XX/XX/XXXX, clearing XX/XX/XXXX, Visa Debit purchase of {$33.00} XX/XX/XXXX, cleared XX/XX/XXXX - XXXX - {$1200.00} transferred to my WF checking account. 

XX/XX/XXXX, cleared XX/XX/XXXX - {$690.00}, sent XXXX through XXXX to XXXX XXXX in XXXX {$580.00} balance - XX/XX/XXXX, cleared XX/XX/XXXX - {$120.00} sent to XXXX  XXXX XXXX account ending in XXXX {$460.00} Balance On XX/XX/XXXX I attempted to send a package through XXXX by purchasing waybill online. Used WF Checking Visa Debit account. Transaction for {$180.00} rejected. Attempted transaction again with WF Visa Debit, for a slightly different XXXX service. Transaction for {$190.00} also rejected. 

However, WF put both transactions through my account, debiting both ( {$380.00} ) against my available funds. These transactions were ALWAYS pending- NEVER cleared. 

XXXX Opened a claim inquiry with WF - Reference Number : XXXX XXXX Email from WF saying that due to those charges from XXXX - my account was overdrawn for the {$690.00} transaction payment to XXXX - and an over fee would be assessed if I didn't fix it by XXXX ET on XXXX. 

XXXX - Overdraft fee of {$35.00} assessed against my account. 
XXXX - receive response from XXXX admitting their error. I forward this information to WF. 
XX/XX/XXXX - The two XXXX charges which were always pending, are dropped from my account. 
The improperly assessed overdraft fee of {$35.00} is not removed from my account. 
Email WF to complain - generic response - fee not removed. 
XX/XX/XXXX - telephone WF banker to remove overdraft fee - THEY REFUSE. 
XX/XX/XXXX - contact you at consumerfinance.gov

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 2023-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: WV

Complaint narrative:
This debt collection company continually lies about this debt and they keep hitting my account as a new debt. Every single time I have disputed with the credit bureaus the debt is immediately removed from my credit report. In a year or so the debt collector will hit my credit again as a new debt and the cycle repeats. I have told the debt collector this isnt my debt and I have no knowledge of this debt. Thier info is boosted below ABILITY RECOVERY SERVICES XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AmerAssist A/R Solutions, Inc.
State: FL

Complaint narrative:
15 USC 1681 Section 602 States I have a right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
15 USC 1681 Section 602 States I have a right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  account number XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C 1681 Section 602 A, Section 2, I also state a consumer reporting agency can not furnish an 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 2023-03-12 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.

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 2023-03-12 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: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, Account Number : XXXX Wells Fargo has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end 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 2023-03-12 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.

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 2023-03-12 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 an account without my written instructions The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
There is a fraudulent account fr CHASE FREEDOM ending in XXXX. And because I could not verify all the address information and phone numbers they would not allow me access to the get proper information, this account does NOT belong to me I have NEVER opened an account with chase as I have never heard of them either. They are not located in here. I also never gave anyone permission to use my information as it is on the dark web via an XXXX data breach because there was also XXXX accounts and XXXX opened in my name as well. More things not even in my area, I want this removed off of my reports immediately and my social security number REMOVED from their system. I check my credit report once a year usual and then I see this stuff on there I have absolutely nothing to do with. This is a fraudulent account remove or I will contact my family attorney to handle this as its illegal to knowingly have fraud information. On someones credit report and leave it there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12 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: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, Account Number : XXXX from Apple card has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Unable to open a new bank account with pnc bank, XXXX, XXXX XXXX XXXX due to accounts being opened fraudulently under my name in the past

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I gave written instructions for Equifax to remove a charge off from XXXX  XXXX and a charge off from XXXX XXXX..Without permission from me they posted my private experiences and Transactions which are prohibited by law ..I want those 2 Charge off accounts listed above to be removed ASAPOr show a letter giving written consent to post my private information how they choose.Remove and update my consumer report as instructed by me and several copies are being mailed out to those that may help me get justice as the law states I deserve

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: NV

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. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 explanation
Consumer complaint received 2023-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX is reporting to the credit bureau that we are 30 days late on our XXXX payment. This information is incorrect. Our mortgage was paid by 3rd Party HAFS program. The program states our mortgage for XXXX was paid on XX/XX/XXXX. XXXX  has misplaced the payments or applied them to the wrong account. We are not responsible for incorrectly applied payments.

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 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX is reporting to the credit bureau that we are 30 days late on our XXXX payment. This information is incorrect. Our mortgage was paid by 3rd Party HAFS program. The program states our mortgage for XXXX was paid on XX/XX/XXXX. BSI has misplaced the payments or applied them to the wrong account. We are not responsible for incorrectly applied payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: OH

Complaint narrative:
XXXX XXXX is reporting to the credit bureau that we are 30 days late on our XXXX payment. This information is incorrect. Our mortgage was paid by 3rd Party HAFS program. The program states our mortgage for XXXX was paid on XX/XX/XXXX. XXXX  has misplaced the payments or applied them to the wrong account. We are not responsible for incorrectly applied payments.

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 2023-03-12 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 number XXXX, XXXX, XXXX has violated my rights.

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C 1681 Section 602 A, Section 2, I also state a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-03-12 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 number XXXX, XXXX, XXXX has violated my rights.

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C 1681 Section 602 A, Section 2, I also state a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: CA

Complaint narrative:
Recently, I got declined by a credit card application and reject reasons are due to several delinquencies on my account. After paying a membership fee, I can see my latest Experian credit score and realized my credit score dropped XXXX points in one month but my other credit reports getting from XXXX and XXXX XXXX fine. On my Experian account, a Charged Off XXXX  XXXX XXXX ( XXXX ) credit account has been added on last month XXXX XXXX. After spending several hours calling Experian and XXXX  XXXX XXXX back and forth, XXXX told me they didnt see any delinquent XXXX  account under my identify and they didnt know why Experian added it under my credit report. After talking with Experian, I finally figured out that this charged off account is under different name without SSN. The only thing same is we have same last name. I already started disputed process with Experian and still waiting for their feedbacks. 
Actually, this is not first time such thing happening to me with Experian. In XXXX, I can not figure out why only my Experian credit score was so low. After I purchased membership with them, I found out there are several other persons delinquencies had been added under my account. I had to spend several weeks talking with their team and fixing it. Back to XXXX, I thought it just occasionally happens to me. However, today, I feel Experian just carelessly handles peoples information. What they are doing is not only wasting peoples time, but also hurting peoples life. Top on that, I have to pay a membership fee to check my credit report and all details in order to fix the issues caused by them. 
By the way, I didnt see same issues happening on me with other 2 credit bureaus.

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 2023-03-12 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: BSI Financial Holdings, Inc.
State: OH

Complaint narrative:
BSI Financial is reporting to the credit bureau that we are 30 days late on our XXXX payment. This information is incorrect. Our mortgage was paid by 3rd Party HAFS program. The program states our mortgage for XXXX was paid on XX/XX/XXXX. BSI has misplaced the payments or applied them to the wrong account. We are not responsible for incorrectly applied payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Around last fall, 5/3 Bank closed both my sons minor checking & savings accounts w/out notice to myself, his mother who was also on the account. Claiming due to fraudulent activity, it was not him! Unfortunately it was a scammer. I, as a parent being on the accounts also shouldve been alerted & notified of any suspected fraud! He hadnt used the accounts in awhile, & we only recently found out due to him trying to set up direct deposit for a newly acquired job. Now he can not open another account, at any other banking institution because they have flagged his information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: GA

Complaint narrative:
Was told by law office that can't put collection in history can't get them to fix anything

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 2023-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: PA

Complaint narrative:
I had questions about this alleged debt and the contract. I allegedly signed and what the charges for on this auto loan that is affecting my credit, I questioned the amounts and asked for the company to send me a copy of the contract that I allegedly signed. I have called them three times and asked for contract to be sent. Each time they say that they have emailed it, however I never received it. The company name is Western Funding and their phone number is XXXX. 
I demand this account be validated and verified. I also want an audit trail provided with all accounting on this account. I want the original ink signed contract as well.

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