vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Credit Karma, LLC
State: MS

Complaint narrative:
On XX/XX/XXXX, I made a purchase over the phone from a company I found online for a transmission. The salesman promised to call back within 3 days with a tracking number. After a week I tried to call back. My number was blocked. My wife called and he said he would check it out and call her back. Never heard from him and her number got blocked. Credit card charge was from XXXX. We contacted XXXX auto parts and they had no record of our purchase and said we had apparently been victims of a scammer that was using their name and we werent the first ones to report it them. 

We reported the fraudulently purchase of {$860.00} to Credit Karma on XXXX XXXX They said we would receive a provisional credit within 10 business days. After 12 business days we called and they said the credit would air within a few hours. Today we have called and spoken to 6 different people who are all located in XXXX XXXX and will not even tell us if there is an active office in the US, who all said the dispute was resolved because they received overwhelming evidence from the vendor that the purchase was legitimate, but they refuse to provide us with the information of how they contacted the vendor, what the vendors legitimate business name is, a tracking number with proof that it was delivered to us or any information as you hope they reached their decision of denying our valid dispute.

We tried to contact the Credit Karma headquarters in bc XXXX, California, but the number posted is invalid. We have proof that the person is a scammer. How can we get our credit back from Credit Karma? They refuse to transfer us to a customer retention department or a supervisor and will not transfer us to the dispute department. At this point not only are we being scammed by a professional scam artist ( XXXX with phone number XXXX who calls himself XXXX XXXX from New York ), but we are also being scammed by Credit Karma.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This company mix my file and vicious share information unverified when clearly a send my correct information. Inquiry never requested 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX. My only name is the one in my id or ss not any variation 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 2023-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I've sent several disputes to this company and I have not received any proof of validation, no reply to my demands or anything. This my third time contacting this company about this account. 

Midland Credit Management Balance {$850.00} Opened XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 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: CA

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
On XX/XX/2020, Wakefield and Associates added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, Wakefield and Associates has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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:
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. 

Account name : XXXXXXXX XXXX XXXX Account number : # # # # # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: FL

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. 

Account name : XXXXXXXX XXXX XXXX  Account number : # # # # # 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 non-monetary relief
Consumer complaint received 2023-02-21 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: MI

Complaint narrative:
In accordance with the Fair Credit reporting act XXXX Account with XXXX and Equifax has violated my rights. They are furnishing information that is inaccurate and incorrect regarding an account with XXXX XXXX  also known as XXXX XXXX  XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602A. 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
In XX/XX/2022, I was behind 3 car payments which is about {$1600.00}. In late XX/XX/2022, I set up an automatic payment of {$500.00} bi-weekly. To date, I have paid over {$2000.00} and Credit Acceptance is still saying I owe about {$1500.00}. Why? Because my car payment, according to them, is due on the XXXX of each month and even though I set up and fulfilled my {$500.00} bi-weekly payments for the past XXXX weeks, the payments that are supposedly due on the XXXX of each month are rolled over. I'm also charged an additional {$24.00} a month for late fees. 

I called the company today and asked them if I can change the date of my scheduled payment ( not the auto payment I set up ). I was told no. How can a finance company not accommodate their customer? In addition, charging me extra late fees when I have been paying {$1000.00} monthly. At this rate, I will, as stated previously, die paying this debt off. 

This is my second complaint of predatory financial practices for Credit Acceptance. This is unfair should be illegal.

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 2023-02-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
i open an account at XXXX XXXX they are with TD bank, my identity social security was compromised and someone charged on XX/XX/2022 an amount of {$3700.00} i called the credit card and dispute the charge but they want me to paid for something i dont charged. also someone at store stole my social and open accounts in my name, they should investigate more to see who its doing this to me and protect me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-21 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XX/XX/2022 I paid {$3500.00} for ammended tax returns. 

XXXX XXXX  later I had not recieved the ammended returns. I called and opened a dispute, but then the vendor got in touch with me and so I asked to put the dispute on hold until the ammended returns were received. I was told that I could not put the dispute on hold, so I cancelled the dispute in hopes that the vendor would follow through. 

The vendor did send me the documents about a week later, but then I began to be suspicious of the work and checked it out with another accounting office. There were several errors and the work that he had done was not aligned with tax laws and I was unable to submit the ammended returns. I repeatedly tried to call for a refund, with no reply. 

I re-opened my dispute with Barclay, by submitting a letter to their dispute department before the 60 day mark, but have not received a letter or any indication of what is happening on their end. I have tried to call in. When I do call in, I am not being passed through to the people actually working on the dispute. They told me the dispute was reopened, but I'm not even sure if that's true, because I'm consistently getting information that is incorrect from customer service. I can call right back and get a completley different repsonse. 

The customer service told me to just call back again and again and keep asking.

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 2023-02-21 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Several addresses are on my file that I NEVER Lived at. I have disputed all of them but this address : XXXX XXXX XXXX XXXX XXXX, GA XXXX is linked to fraudulent accounts that I never opened including Comenity Bank XXXX I need this removed immediately. I have only lived at 2 addresses in the last 25 years. XXXX XXXXXXXX XXXX XXXX XXXX XXXX and my most recent address is XXXX XXXX XXXX XXXX ga XXXX since XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
Convergent Outsourcing is reporting a collection account on my credit reports that I am not familiar with. I have tried to reach out to them via mail to see where this account came from and all documents associated with this account and was ignore. I have never received any documents from them or any type of communication regarding this account. Here is the tracking to prove they received my dispute, XXXX XXXX XXXX XXXX XXXX. I took it upon myself to look up some of the credit laws and saw that it is illegal to ignore a consumers request to dispute an account on their reports. I am demanding that this account is deleted as they are a consumer reporting agency but are violating the consumers laws.

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 2023-02-21 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: TX

Complaint narrative:
To whom this may concern, on XXXX, XXXX I sent In dispute letters to all three credit bureau 's Equifax, XXXX, and XXXX stating the inaccuracies that are reporting on my consumer report referenced from the FCRA & consumer laws asking them to remove the inaccuracies and to send me a updated report with the correction made. I never received the updated credit report/consumer report with the corrections and the inaccuracies are still reporting inaccurate on my consumer report. 
According to the FCRA everything on the consumer report should be factual and accurate across all bureaus and that is not the case as of today XX/XX/2023. I feel like I'm being mistreated and bullied of my rights as an American citizen as these inaccuracies are still reporting. I'm being hinder from financing from banks and lenders, as well as unable to secure a job to take care of my family of 5 all under 13. As hard as it is already being a single XXXX XXXX XXXX XXXX in XXXX these inaccuracies on my credit report is a barrier from achieving success, securing a job and taking care of my family. I need immediate help to fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
The Debt was Originally XXXX for XXXX XXXX after leaving their employment they opened services in my name for consumer services without my knowledge or consent, I turned in my equipment after leaving the company as an employee on XXXX 

I received notification sometime in XXXX  from a " SW CRDT SYS '' that I had an outstanding balance of XXXX for services rendered by XXXX XXXX, I explained to them I used to be an employee I Turned in my employee equipment and the company terminated my employee account after leaving. I was unaware of any additional Consumer Account opened under my name. 

SW CRDT SYS failed to remove the debt and tried to continue collecting so on or about XX/XX/XXXX I filed a dispute with XXXX over the accuracy of the debt. As again I never requested services, i never authorized services and after leaving the employment of XXXX I turned in my equipment. I won the dispute on XXXX XXXX XXXX and It was removed from all 3 credit agencies. Sometime in XXXX XXXX XXXX XXXX they added the debt again for this time {$530.00} When I contacted them to explain that this was invalid and that I didn't owe XXXX XXXX anything they said " They being XXXX XXXX on a recorded line with their Executive Support Team '' that due to the dispute, they would try to collect any information and get back to me, once XXXX responds even if they try to uphold the debt it would be removed. This struck me as odd as It would seem against the Fair Debt Recording Act to say something like that. 

Anyway, I have redisputed this debt with the credit agencies and while some have come back and tried to validate the debt now at least 1 is still pending ( XXXX ) investigation. SW CRDT SYS reuploaded the debt under Southwest Credit Systems under a brand new account number and when I asked for supporting documentation on their revised balance they ( XXXX XXXX ) sent me copies of the old amount in which I won the dispute over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: UT

Complaint narrative:
I received mail saying I owed {$630.00} from a bill through XXXX XXXX  for an account that I never opened that I.C System, Inc was trying to collect from me. I have never dealt with XXXX and never opened an account with them. I've never even dealt with any other phone service other than 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 2023-02-21 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:
I have been a XXXX of identity theft and I have submitted all required documents to Experian and XXXX but none of them have removed the fraudulent accounts from my report EVEN when creditors have acknowledged the Identity theft situation, I have contacted XXXX XXXX XXXX in regards of the account XXXX being reported in my credit and they do recognize that said account doesn't have my social security number, neither my zip code nor address, only my name, but that account is still being reported to my credit by XXXX. In the case of XXXX reporting on Experian and XXXX XXXX, those accounts are consequences of identity theft, XXXX is reporting that account with another person and they do not delete that information from my report on both Experian and 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 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I opened a checking and savings account with Huntington on XX/XX/XXXX. I had no issue with it until in late XXXX, on XX/XX/XXXX I deposited a check that was worth {$2500.00}, which is within my mobile deposit limit and was perfectly valid. In response, without notice, Huntington closed my account entirely, leaving me with none of my money and to figure out why my card was declining on my own, even though they released the hold on my deposit days later, on XX/XX/XXXX. After reaching out to the bank over the phone and in person multiple times, it is nearly a month later, and I still do not have the money that I was entitled to, and Huntington took from me. They claim that it's in the mail, but the extensively long time Huntington took to close my account, according to the person in the bank, finished on XX/XX/XXXX, the lack of notice, the fact that the check was not " altered '' in any way, shape or form, and that I have not had access to my funds for such a long time is more than a mild inconvenience, and is an abuse of their power.

Company response to consumer: Closed with explanation