vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
i am in need of help because debt collector is not able to provide me with original contract showing that i owe them money. 
i looked up this law 15 us.code 1681i which is the FDCPA and in section 1681i a 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. 
which mean if i request for my original contract and they can't proof it then they need to remove it off of my credit report. 
they violated my right under the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Today is XX/XX/2023. Equifax is reporting inaccurate information on the consumer " credit '' report. 
Under personal information the only name that is correct is XXXX ' XXXX and the current location of the consumer is XXXX XXXX XXXX XXXX, Michigan XXXX. 
please correct the following inaccuracies seeing your agency have assumed a vital role in protecting consumers rights privacy and the laws that protect consumers. 

please delete the following within the next 30 days! 
XXXX XXXX XXXX Please delete the following locations : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX please delete XXXX XXXX XXXX THE original creditor is missing as well as company sold past due amount missing payment history inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out to all three credit bureaus to let them know that I was a victim of identity theft and I have no knowledge of these accounts that are reporting. I have also asked for verification of all accounts which they have failed to do. My identity theft report from the federal trade commission is also attached to this report. 

XXXXXXXX XXXX  XX/XX/XXXX {$8100.00} XXXX XXXX XX/XX/XXXX {$7800.00} XXXX  XX/XX/XXXX {$1500.00}

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 2023-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: CA

Complaint narrative:
XXXX has discharged my debt to a collection agency who is writing to offer a reduced settlement. I have tried both the phone number provided as well as the website provided to contact the company to request a copy of the original signed contract, as is my right. The phone number provided ( XXXX XXXX ) only asks questions related to sales of devices targeted to the elderly. After completing all the prompts the line eventually disconnects, therefore you are never allowed to contact the actual agency in order to arrive at resolution. The same practice is employed by the website provided ( http : //ssp.ercbpo.com ). Not only is this false representation but the fact that you are subsequently bombarded with service products targeted specifically to the elderly is horrifying, this is predatory business practices at its lowest form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have spoke with the company maybe twice a few months ago and let them know that I will go into the branch and make a payment once i get a chance. Since then, i have gotten repeater calls from different agents and within a weeks time, my voicemail has been filled up with over 30 voicemails. This has happen over the last few weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
On XX/XX/2023 I made a complaint to Wells Fargo regarding unauthorized transactions made from my account in the amount of {$3400.00} though XXXX. They opened a claim and provided a temporary credit to my account. They are now reversing the refund amount and stating I allowed the unauthorized transactions.

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 2023-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
Venmo has unexpectedly closed my business account and has said it does not have to tell me why. I have never had a chargeback and am signed up as a business account vs a personal account and have been happy to pay the business fees as legally bound. 

With Venmo closing my account ( which I understand as a private business they have that ability and do not have disclose why, despite being incredibly frustrating ), they are holding over {$1700.00} in funds for the next 6 months to " protect themselves against chargebacks ''. I have NEVER had a chargeback and in fact, the funds that are there are for purchases that have already been received by the buyers without any issue. 

I believe that Venmo, in addition to other money apps such as XXXX, hold funds from small businesses so that they can earn interest on these funds before having to release them to the business. It's incredibly harmful to small business owners to have funds held for no good reason. I would understand a small portion MAYBE for chargeback protection, but I've had this account for over 2 years with zero issues and zero chargebacks. Venmo even reversed a transfer I had initiated ( I always transfer money immediately for exactly this reason ) before they sent me an email saying they were closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: M1 Holdings Inc.
State: WA

Complaint narrative:
I opened a brokerage account with M1 Finance and closed it. On their platform it showed my account as closed. I was sent an email on XX/XX/23 about this account that I had closed and it now shows a balance and is reopened. M1 Finance claims that while they " closed '' it on their end, it did not close on their dependencies so they reopened it and request that I connect A NEW bank account to move the money out and contact them again to close it. If I do not take action by XX/XX/23 they will liquidate my account and charge me {$50.00}. 

This is such a short time frame to take action and requires the person affects to realize and act quickly since closing an account requires on M1 's customer support to do so. They could easily stall and wait until it's automatically liquidated. I also have checking accounts with M1 and it's not an option to liquidate my funds for some reason. This is an extremely frustrating customer experience and very, very deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ROLS INC
State: CA

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2023-08-02 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: CITIBANK, N.A.
State: AR

Complaint narrative:
I contacted XXXX to advise them I need a letter of deletion to submit to XXXX due to this being a fraudulent inquiry. They were not helpful in providing that information. I have several other inquires from other lenders as well documented below. I file police report on XX/XX/XXXX to support claims. 

All fraud began XX/XX/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 non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/23, I made a payment to my XXXX XXXX credit card. Unfortunately, the payment did not reflect as processed in the system, prompting me to make another payment on XX/XX/23 to ensure timely settlement. However, I encountered the same issue where the second payment was not shown as processed either. Concerned about the situation, I contacted customer service representative, XXXX XXXX, who acknowledged that there are two pending payments on her end but won't show on my end due to a system issue. 

Despite my request to cancel the second pending payment, XXXX XXXX explained that the payment is currently undergoing a transition, which prevents her from stopping the duplicate payment. This situation has caused a double charge on my credit card, potentially leading to overdraft fees if my account funds are insufficient. 

Given these circumstances, I find XXXX 's handling of this matter to be irresponsible, as it has resulted in inconvenience and financial impacts for me. I urge the bank to resolve this issue promptly to rectify the double charge and ensure accurate processing of my payments in the future. 

Please see the attached chat transcript for reference.

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 2023-08-02 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: TX

Complaint narrative:
I have several fraudulent unauthorized inquiries that are listed on my credit report. I have requested these be deleted by contacting Equifax, XXXX and XXXX and they still are being reported. There is no permissible purpose for these inquiries and my privacy has been violated by allowing these companies access to my credit. 
The following inquiries are fraudulent : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: TX

Complaint narrative:
I have several fraudulent unauthorized inquiries that are listed on my credit report. I have requested these be deleted by contacting XXXX, XXXX and Experian and they still are being reported. There is no permissible purpose for these inquiries and my privacy has been violated by allowing these companies access to my credit. 
The following inquiries are fraudulent : 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 explanation
Consumer complaint received 2023-08-02 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:
Thank you for the opportunity to express my situation... ..pI have this one XXXX XXXX by the name of XXXX that is reporting to all the three major agency 's ... ..im a senior that has retired and who living on a set budget... .This is very disheartening that someone would take advantage of me...... I have never authorized this company for credit......... please can someone Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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:
Thank you for the opportunity to express my situation... ..pI have this one credit bank by the name of XXXX that is reporting to all the three major agency 's ... ..im a senior that has retired and who living on a set budget... .This is very disheartening that someone would take advantage of me...... I have never authorized this company for credit......... please can someone Thank You

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 2023-08-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I dont have any recollection of any of these inquiries these are not mine they are credit error I never authorized anyone to pull my credit. Listed are the increase they need to be removed thank you for your help. 
XXXX XXXX XXXX. XX/XX/2022 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 explanation
Consumer complaint received 2023-08-02 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: FL

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XXXX I sent a letter due to inconsistencies and inaccurate information reporting on my account. I specifically requested for the following account to be deleted from my report because it was reporting inaccurately as an " Open account '' When I reviewed my credit report again on XXXX, XXXX, and XXXX. To date, the account still reports incorrectly with an " Open status '' Since then, the creditor noted " Dispute resolved ; reported by grantor '' but nothing has been resolved or updated. This is a violation of my rights as a consumer and my concerns are not being addressed. Please remove the following account from my credit profile per the FCRA 15 U.S. Code 1681 : 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 2023-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I requested a Withdrawal from my brokerage account to my checking account but my account got blocked. I tried calling in to see what was going on, but they just told me that my account is being reviewed. it's been over a week now and they keep telling me the same thing.

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 2023-08-02 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: CT

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-08-02 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: Kikoff Inc.
State: MD

Complaint narrative:
i look at my credit report and say that it had reported my payments as late, i never opened the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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