vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 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: FL

Complaint narrative:
Good Day I currently have XXXX credit inquiries from XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ). My credit report states this is inquiry Associated with XXXX is suppose to be removed on XX/XX/XXXX and it's now XX/XX/XXXX. I'm requesting that this inquiry dated XX/XX/XXXX be removed from my credit report, along with the one dated XX/XX/XXXX because this inquiry is associated with the XX/XX/XXXX to see if my credit is in good standing. I tried calling Equifax myself and the representative stated I had to wait for system to remove. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: PA

Complaint narrative:
I have reviewed my report recently. There were names and addresses on it that are incorrect, spelling errors or just plain wrong. PLEASE FIX EVERYTHING in my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: IL

Complaint narrative:
my credit report has inaccurate info on it i complained a few times about this and no change capital one i have no card from them bor did i apply for one from them consumer finavial also and 2 of 4 listed from citibank shouldnt be on there

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
DELETE ALL FRAUD ALERTS AND EXTENDED FRAUD ALERTS FROM ALL THREE CREDIT BUREAUS XXXX & XX/XX/XXXX XXXX ID FRAUD VICTOM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MYA HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES, DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
DELETE ALL FRAUD ALERTS AND EXTENDED FRAUD ALERTS FROM ALL THREE CREDIT BUREAUS XXXX & XXXX XXXX ID FRAUD VICTOM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MYA HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES, DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
It has come to my attention that there is an alleged debt that I have been alleged to owe. Please be aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with Amsher Collection services and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of the XXXX of XXXX, 2023, I have not received any documentary evidence such as a Trilateral contract giving Amsher Collection services any right to collect on this alleged debt. If Amsher Collection services can not provide me with proof such as a tracking number that they attempted have lawfully entered into a contract with my person, prior to furnishing this on my consumer report, it will have been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until Amsher Collection services can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Amsher Collection services continues its collection efforts ( which includes negative credit reporting ), I will file for litigation for actual damages caused and Amsher Collection services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: 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. 

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 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 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 non-monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
with reference to complaint no XXXX, i have made a complaint on comenity capital bank regarding the wrong debt that was collected from me. The company responded on XX/XX/2023 saying that the applied monetary relief of {$190.00} against my account number. But this statement is wrong. I had to pay an amount of {$240.00} approximately to clear the balance as it is hurting my credit score. I made the balance XXXX  by paying my own money and also requested the bank to close the account. I was informed couple of times that the account was closed. I am not sure how Comenity can apply a relief to a closed account? I think the bank is not committed to resolve the issue and making false statements. I would want them to send me a check for {$240.00} i paid and also offer me a compensation of {$5000.00} for all the trauma they have caused for wrongly effecting my credit score for about XXXX months now and making false statements on applying credit to a closed account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-25 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: PA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the 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. under 15 USCS 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. 

I have sent several certified letters to these companies, XXXX XXXX XXXX # XXXX, XXXX XXXX, TransUnion, and XXXX. The response I have received from all companies is that they do not have to follow the laws I mentioned in paragraph 1. I will also attach the letters and responses I received from them. I have waited more than 60 days for them to correct this issue, You have 10 days to comply with the law or my lawyer will contact you to sue for negligence.

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 2023-04-25 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: PA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the 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. under 15 USCS 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. 

I have sent several certified letters to these companies, XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX, and Equifax. The response I have received from all companies is that they do not have to follow the laws I mentioned in paragraph 1. I will also attach the letters and responses I received from them. I have waited more than 60 days for them to correct this issue, You have 10 days to comply with the law or my lawyer will contact you to sue for negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: PA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the 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. under 15 USCS 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. 

I have sent several certified letters to these companies, XXXX XXXX XXXX # XXXX, XXXX Experian, XXXX, and XXXX. The response I have received from all companies is that they do not have to follow the laws I mentioned in paragraph 1. I will also attach the letters and responses I received from them. I have waited more than 60 days for them to correct this issue, You have 10 days to comply with the law or my lawyer will contact you to sue for negligence.

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 2023-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
On Saturday XX/XX/XXXX Enhanced Recovery Collections put a collection account on my credit stating that I owe XXXX XXXX {$51.00} from when I lived in XXXX, Fl in XXXX. I called them on yesterday several times and infromed them that I dont have a balance with XXXX and that this is a fraudlent charge they are trying to collect. They informed me that they have bill that states that i owe money, and that is a lie because that is not a real bill from XXXX. and I can prove it. I called XXXX and spoke with their collection dept on yesteday for an hour, they looked in their entire datebase and could not find one account that I had with a charge off balance. the account number the collection agency gave me was my old account number with XXXX. I gave XXXX the account number and there is no balance owed under that account number. I was told to go into a XXXX office which I did and for them to provide me a statement showing that I dont owe anything. They could not print out a statment given that the account was to old. However the manager took a screen shot of my account to show that I dont owe anything to XXXX under that account number. I will attach that print out he gave to me to this complaint. This collection company is knowingly trying to take my money on a fake balance and saying that they are working for XXXX to collect a balance. XXXX has not retained their services because there is nothing due to them from me. I spoke with 5 suprvisors with XXXX on yesterday in Billing, collection and customer service and not one of them shows a charged off account nor the account in question that this collection company is trying to say I owe on. Account # XXXX is the account number they say XXXX shows a balance for. Tell me this, how is it that this collection company can cliam XXXX shows a balance but when I spoke with XXXX they show no balance.This is blatant fraud on thier part. There is no balance due to XXXX for me. They wanted me to call, XXXX 's XXXX dept and sign and affidavit or something. I dont even think XXXX has a fraud dept for this and when I spoke with the real XXXX they said why would you do an affidavit and we are not collecting anything for this account. This collection company is breaking the law and trying to collect on debt that is not REAL!! I want this removed from me credit report and I have filed a dispute as well with the credit bureaus. When I called the collections company back and asked them how could I send them the copy of what XXXX gave me that shows that I dont owe them anything, the gentleman that was on the phone told me to hold on and then he hung up in my face. I called him back and he did the same thing. He did this because he knows that I have figured out what they are up to and trying to pull on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital one Bank claims that I physically went to XXXX and physically gave them my debit card, and that I inserted my chip card into XXXX physical credit/debit card machine and purchased {$500.00} worth of merchandise. 

I did not do that, I did not purchase any thing from XXXX. Even more interesting Capital One claims that this is what their investigations found. 

I feel very uncomfortable at the fact that Capital one has my personal information, because for them to claim their investigators found that I went into a physical XXXX store and gave XXXX my credit card and used my chip to purchase is a lie, because there is no such thing as an XXXX store. 

I recorded the conversations so its clarified that Capital one continues to lie and has been charging my bank card and credit card for charges that I did not make, and what's more alarming is they've been doing so internally. Meaning capital one has been charging my cards for months. The first time this was done was was in 2020, they charged my card for {$600.00}, and I did not pursue it as I should have, but now I've been calling them and noticed its the same lie they tell.. 

The attached XXXX videos were recorded his morning, its of me speaking to two capital one reps, I've called multiple times and have spoken to very questionable people, who appear to be fraudsters or engaging in fraud, who claim to work for capital one bank. I've posted these on my XXXX XXXX Capital one recording with supervisor XXXX : XXXX : XXXX? XXXX Capital one recordings talking to capital one agent : XXXX : XXXX? XXXX Capital one recordings talking to XXXX XXXX agent part XXXX : XXXX : XXXX? XXXX & XXXX The recordings prove that Capital one is engaging in fraud, they never investigated anything and the problem is with their banking debit and their credit services. They are just making false stories up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I was contacted through XXXX a Freelance website for a XXXX XXXX that was posted on that platform by what turned out to be a fake company. I was thus sent a contract with instructions on receiving a check through email to pay for equipment ( Laptop, microphone, headphones etc. ) that the company wanted me to use for this contracted voiceover job. Once I received the check of {$4400.00} on XX/XX/23 through email I was instructed to wire that check to a 3rd party individual that was supposedly going to purchase the equipment and send them to me. I wired the money that same day. However, the next day XX/XX/23 the individual I've been dealing with named XXXX XXXX asked me to do the same thing but this time for insurance on the equipment. He sent through email another {$4400.00} check. Now my suspicions were raised and I reached out to his company which was XXXX and they had never heard of him. I sent them a copy of all my email correspondences with this individual and they said he isn't from their company. After looking more closely at his email address he was using XXXX but the real website is XXXX  At that point I reached out to my bank Wells Fargo and explained the situation and started a claim that was XX/XX/23. As of today XX/XX/23 the {$4400.00} has been taken from my checking account to cover for this fraudulent wire transfer to which Wells Fargo hasn't said they will cover or not. Now I am scrambling to put money into my account to cover my mortgage and other expenses that are coming due while not knowing if Wells Fargo is going to help or not. The wire transfer was to another Wells Fargo bank and I gave them the account number and all the pertinent information in conjunction with the fraudulent transfer. I've filed a police report and reported to the FTC this individual and situation.

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 2023-04-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have been banking with Chase at XXXX NJ location for 20 years- both checking and savings accounts. I received a call a couple of days ago, XX/XX/2023, from the bank notifying me that my savings account is inactive due to no activity for over 6 months even though I have an electronic monthly transfer from my checking to savings. I was told that it is not considered an activity. To reactivate the account, I have to go into the bank personally to do it. How stupid are these banks these days. I thought we are all moving towards the electronic era, instead we are moving backwards in terms of banking. This becomes a pain having to manually do transactions on the account periodically even though I have another account that is active and have active transactions ( eg ATM, Deposits and withdrawals ) Call up the bank manager and was told this is the New Jersey State law and this regulation has always been in place. If that's the case, I would have gotten notification on the savings account many years back. Is the bank trying to get their customers to personally go in and at the same time try to market their new products?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX my debit card was lost, I reported it lost/stolen received a new card on XX/XX/XXXX. Phone was also lost XX/XX/XXXX returned XX/XX/XXXX. Realized on XX/XX/XXXX XXXX zelle transactions that I did not approve of XXXX and XXXX were send to an unknown recipient. Called my bank to report fraud. Will get back to me 10 business days, no word. I called XX/XX/XXXX They denied my report due to no proof. Called XXXX to get some type of information. It is against the law for them to provide any info. Chase refused to help and denied my refund as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Granite Bay Acceptance Inc.
State: MI

Complaint narrative:
XXXX allowed a company that i've never done business with to check my report. I'm opted out of all prescreened offers. Granite Bay Acceptance think they're an exception to the rule. These credit bureaus need to be disbanded, they're allowed to do anything they want without repercussions. You must jump through hoops to get illegal items removed from the credit report because cra 's are in bed with every creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: WI

Complaint narrative:
I'm currently not using this card because of the ridiculous high interest fees and they still charge me XXXX for maintenance fees even though is a XXXX balance under consumer law this is very illegal I find myself conflicted because I don't feel protected as a citizen and a taxpayer how is it that you let these companies get away with this instead of protecting the American people... on top to get a credit increase they want to charge and that's ok to do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief