vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
have been in the process of purchasing a new vehicle And home but I have been turned down due to the information I found on my account. On my credit report there is a Charge off from : 1. 
XXXX XXXXXXXX XX/XX/XXXX for the amount of {$230.00} & {$150.00} from XX/XX/XXXX. 2. XXXX XXXX XX/XX/XXXX for the amount of {$380.00}. 3. XXXX XXXX for {$2200.00} the date is unknown but it was reported XX/XX/XXXX 4XXXX XXXX XX/XX/XXXX for the amount of {$1200.00} 5. 
XXXX XX/XX/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 2023-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Repeat phone calls and messages One today at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific account in my document coming about because of the wrongdoing. The account I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$16000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-08-17 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: NY

Complaint narrative:
My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

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 2023-08-17 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-17 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:
I am the victim of identity theft. For over 3 years now I have been sending paperwork over and over and over and over and over to these stupid bureaus and they keep disregarding it. I understand that the creditor is saying it belongs to me BECAUSE THAT IS WHAT IDENTOTY THEFT IS MORONS, A PERSON IMITATING ME. I did not say it was a strangers information, I said it was FRAUD. I have provided a police report, identity theft affidavits and several FTC reports. My information was exposed in the Equifax data breach. They are violating my federal rights. I am trying one more time to reason with them or I really have no choice but to sue them. No one seems to be doing anything to investigate the fraud or the theft of my identity and I am being harmed by this. Please help me! My drivers license and social card are attached here so that you have my information available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 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:
I am the victim of identity theft. For over 3 years now I have been sending paperwork over and over and over and over and over to these stupid bureaus and they keep disregarding it. I understand that the creditor is saying it belongs to me BECAUSE THAT IS WHAT XXXX XXXX XXXX XXXX, A PERSON IMITATING ME. I did not say it was a strangers information, I said it was FRAUD. I have provided a police report, identity theft affidavits and several FTC reports. My information was exposed in the XXXX data breach. They are violating my federal rights. I am trying one more time to reason with them or I really have no choice but to sue them. No one seems to be doing anything to investigate the fraud or the theft of my identity and I am being harmed by this. Please help me! My drivers license and social card are attached here so that you have my information available.

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 2023-08-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX of XXXX  I had received pre-approval letter from Capital One for their XXXX credit card. The letter also states that if I open a XXXX credit card account with them by XX/XX/2023, and spend {$500.00} on purchases within 3 months of opening the account, I will earn a {$200.00} one-time cash bonus. 
By XX/XX/2023 I had spent over {$500.00} on purchases and didn't receive the {$200.00} cash bonus that I was promised. I called capital one and spoke to a few different representatives from their rewards department regarding this matter but they all made up different excuses why I'm all the sudden not eligible for the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo Account ( claim number ) XXXX UnAuthorized transaction of {$600.00} was made from my account. The account only had $ XXXX which left the account in overdraft. I flied a claim, they reimbursed the claim only to reverse the transaction. I payed off the Overdraft with my own money and closed the account. I received an email from Wells Fargo XXXX  days ago claiming i was to receive what the bank owed.

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 2023-08-17 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/2023 I downloaded an app from the XXXX XXXX. I was prompted by the app that in order to use it I would need to sign up for the free trial and then pay {$40.00} after the 7 day free trial expired. So I proceeded and was immediately charged the {$40.00}. I suspect this is a scam the app developers use on unsuspecting people. I did not authorize the app to charge me {$40.00}. I reported this problem to XXXX and they are telling me I am forced to pay even though I was scammed. So I am elevating this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Advised this agency they are collecting on a debt that is not mine. They refuse to provide valid statements, any signed paperwork, and threatened my credit by advising me they wont sue me but will damage my credit. They also do not have a valid California debt collectors license and would not provide me a number.

I sent a written request that was excepted by a lady but the last name is XXXX. They sent me back a letter just saying that I owe them money and that they dont have a license and its pending and threatened my credit bureau XXXX Theyre in violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
This was the email sent to this company that received my identification as a third party to attempt to contract with the Executor that has privately discharged all debts and has protect all of his assets by a XXXX lien filed and accepted by the superior courts. Which ever company violated my Due Process of law and illegally gave my personal information to this third party without my consent should be investigated immediately and this bound to the Fee Schedule filed to the court on XX/XX/XXXX. Here is the letter sent to this company and is considered to be a Notice before they violate my Fee schedule and copyright infringement. 
I received a call from this agency on XX/XX/XXXX. Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal ; Applicable to all Successors, Assigns, and Agents : Silence, when there is a moral or legal Duty to respond, constitutes Agreement. 
I never gave consent nor have I contracted with this company. I would like to know why this company is calling in regards to my trust information. I demand within XXXX hours who gave my personal information to this third party debt collector ( Identity Theft ). If you believe my trust owed any money to the previous debtor I want to Thank This Company for paying off any loans my trust had contracted with the previous debtor. Your company was tricked into believing my trust was the debtor and not the Creditor and you paid whatever for a loan that was already discharged by the IRS and State Treasury. I demand the payoff amount this company paid and to whom, full disclosure of the contract and what is your authority and jurisdiction to operate in this capacity. This is a Notice making sure your company knows my assets are fully protected by Affidavit ( XXXX ), XXXX and a Fee Schedule and will be presented to your company if they choose to steal my private property. Your Debtor forgot to tell you of the Affidavit ( XXXX ) and you paid off whatever debt was owed. As it appears right now this company is in violation of Due Process of Law and is operating as a Executor XXXX XXXX XXXX while and are attempting obstruct of Commerce and violating these laws, 18 USC 241 and 242,15 U.S. Code 1692e, 16 CFR 433.1, 12 CFR 1026.13, 16 CFR Part 314, The Fourth Amendment and Fifth Amendment. I am giving this company 48 hours to respond to my demand otherwise I will start with a public report on the CFPB followed by the FTC, SEC and the IRS. I the Living Man I Reserve All Rights without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
back in XXXX or XXXX i purchased car XXXX XXXX XXXX i through a company call XXXX with my son after the disaster of covid 19 i reach out to the company regarding my payments due to covid 19 struggling with my bills and losing my job i kept making payments as possible with the little money a had but i ran out of money and i couldn't afford to make the payments no more i spoke to a rep to see if they can work something out with me they explained to me that it would not affect my credit report years later now im getting hit with a appeal from court after the fact they would tell me it going to be taken care of the charges that i'm seeing on my credit report is incorrected and wrong its not fair that due to my situations of covid 19 i still have to deal with this now it cause my credit score to be in the negaitive with no help and i gave them the car back with no demages please someone can assist me in need what to do now.

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 2023-08-17 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: OH

Complaint narrative:
I currently have four fraudulent accounts appearing on my credit report. 

1. XXXXXXXX XXXX XXXXXXXX {$160.00} 2. XXXX XXXX XXXX {$240.00} 3. XXXX XXXX {$190.00} 4. XXXX XXXX {$230.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 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: FL

Complaint narrative:
I was a victim of fraud these accounts are not mine I have sent this information in the credit agencies and nothing has change. 

15 U.S.C 1681 section 602 A States I have a 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 1692 B Chapter 4 Communicated by postcard.

15 U.S.C 1692 B Chapter 5 Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 U.S.C 1692 C Without the consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any 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 non-monetary relief
Consumer complaint received 2023-08-17 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 DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed.XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MT

Complaint narrative:
The CFS ( Commonwealth Financial Systems ) agency called me twice ( once on XX/XX/XXXX, once on XX/XX/XXXX ), reminding me to pay debts that I do not owe. I do not have any loans of any kind. I only have one credit card tied to my parents for emergencies, and I know for certain that they are extremely responsible with their credit card debt. This agency, though legitimate, is calling me for debts that I do not owe. I have no debts to owe, nor have I ever had debts to owe, nor do I plan on making financial decisions in the near future that would lead to me gaining any debts. 

CFS is known to be quite phishy. I see why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: FL

Complaint narrative:
My son lived at an XXXX XXXX called The XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. There was a fee post move out. I did not receive the emails and a notice was never sent to my home. When they finally contacted me with the second collection notice XX/XX/XXXX, I sent a check to them per the instructions in the email ( attached document ). The check was cashed ( attached ) in XX/XX/XXXX. On XX/XX/XXXX I received a call from the collection agency in which I told them that I paid the bill directly to XXXX XXXX  per instructions in the email. I also provided them a copy of the email instructions from XXXX XXXXXXXX along with a copy of the cashed check. XXXX XXXX for ProCollect informed me that they had not filed for collections but would if I did not provide evidence. ProCollect filed collections and it is now on my credit.

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 2023-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
Commencing between XXXX and XX/XX/2020, Ive been a victim of a multilayered scam operation orchestrated by a person going by the name XXXX ( the Scammer ), all of which aim at contributing to the goal of robbing and defrauding innocent people. 
Money was transferred from my US Bank account via bank wire and cashiers checks, to accounts in XXXX XXXX and XXXX  XXXX XXXX, in the total amount of XXXX USD.

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 2023-08-17 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: FL

Complaint narrative:
I was a victim of fraud these accounts are not mine I have sent this information in the credit agencies and nothing has change.

15 U.S.C 1681 section 602 A States I have a 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 1692 B Chapter 4 Communicated by postcard.

15 U.S.C 1692 B Chapter 5 Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 U.S.C 1692 C Without the consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with non-monetary relief