vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I just had a background check done for XXXX XXXX that was completed today. I looked at the results and seen that in the social security verification section that they had 4 mistakes. 
1. It has my address labeled wrong. The correct address on the 3rd row says former but its really my residential address.

2. I never lived at the first address they have listed as my residence address. 
3. The second listed name on the right side of the page is incorrect. Im not a XXXX. 
4. Im currently unemployed, not self employed.

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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXXXXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

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 2023-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC
State: FL

Complaint narrative:
My car was totaled in a hit in run accident they are continuing to add fees and charge interest rates even though my insurance and gap has paid off more than most of it. My bill of sale and my retail installment contract are two completely different things my bill of sale says Ill have paid off XXXX and some change by the time the cars paid off and then the retail installment contract says XXXX would be paid off. Im just confused and lost Ive called and asked about it because my dad says I should have the car paid off by now it has been 2 years and my car payoff quote never reached below XXXX in the 2 years I have been with Westlake finicial

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 2023-11-19 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I received a {$500.00} US Bank Mastercard gift card as a gift in XX/XX/2023. I registered the gift card to my name and address, and did not use it immediately. I attempted to use the card about a week later and got an error. Tried to check the card online and it gave me an error telling me to call the number on the back of the card. This was unusual, because any other time I checked the card it was successful, with no transactions and a {$500.00} balance. Contacted US Bank gift card services at ( XXXX ) XXXX and they told me that my card has been locked for suspicion of fraudulent transactions ( with no transactions at all ), and I have to fax in a copy of my ID and a copy of the gift card. I sent in this information on THREE different occasions to the number XXXX. 

I have yet to receive a resolution weeks later. I have had customer service representatives hang up in my face, put me on hold for hours just so I can hang up, and transfer me to a survey immediately. The people working for this company have numerous complaints online. My suspicion is that they hope people do not go through the trouble of filing complaints and sending documents. I asked a representative, if I do not send in these documents where do the funds go? He could not answer the question. This is cruel, because there are elderly people out there who receive/give cards to their loved ones and can not go through the hassle of faxing information and calling them 20+ times trying to figure this out. My gift card may be for a measly {$500.00} but I can imagine how that adds up seeing that US Bank is a huge company.

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 2023-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am writing to dispute the validity of an account that you have been attempting to collect on my behalf, which I believe are time-barred under the New York State statute of limitations for debt collection. The account in question is : Wells Fargo Card Service As per my understanding of the New York State statute of limitations for debt collection, which is three years, the aforementioned accounts have exceeded the applicable time frame for legal collection actions. Therefore, I am requesting that you immediately cease all collection activities related to these accounts and remove any negative reporting from my credit files. 

Please note that I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Pursuant to the FDCPA, it is illegal to engage in any deceptive, unfair, or abusive practices in the collection of debts. Furthermore, the FCRA mandates that the information reported to credit bureaus must be accurate, complete, and verifiable. 

I kindly request that you take the following actions : 1. Cease all collection activities, including phone calls, letters, and any other form of communication, regarding the above-mentioned accounts. 
2. Remove any negative reporting associated with these accounts from my credit files with all three major credit bureaus : XXXX, XXXX, and XXXX. 
3. Provide written confirmation within 30 days of receiving this letter that you have ceased all collection activities and that you will no longer report these accounts to any credit reporting agencies.

Failure to comply with this request may result in legal action being taken against your agency for violation of the FDCPA and the FCRA. Please be advised that I am prepared to pursue all available legal remedies to protect my rights. 

I expect your prompt attention to this matter. Please consider this letter as a formal dispute and a request for validation of the accounts in question. I request that all future communication regarding these accounts be conducted in writing and sent to the address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2023-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Management Corporation
State: WA

Complaint narrative:
Regional Finance failed to recognize and terminate the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 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: Google Compare Credit Cards Inc.
State: WY

Complaint narrative:
Hello, I'm XXXX XXXX XXXX representing domestic XXXX XXXX XXXX. 
The XXXX has plans to develop and publish apps on Google Play so in behalf of it I opened the Google Play Console account and confirmed the corporation address. 
The Google Play sent me email ( Your identity has been XXXX ). 
Then I received notification that my Google Pay account is suspended with a link to the interactive form to upload documents. The XXXX has XXXX number and verified address was confirmed from XXXX. 
So I have uploaded my passport photo, XXXX XXXX XXXX XXXX stating this address ( that can also be found on Wyoming State business registry by typing the company name ). Also I tried to upload XXXX telephone bills with corporate address on it ( paperless meanwhile containing logo, transaction number etc. ) for XXXX and corporate bank statement for XXXX too. Also even when I said that account is corporate they asked for my personal address confirmation which I also sent to them my personal address confirmation from the XXXX XXXX XXXXXXXX statement. 
Every time after sending them documents I receive emails like this : " Thank you for taking the time to submit your information for verification. Unfortunately, what you submitted cant be used to verify your account details and you will need to re-submit the document using the secure form here. Specifically, we require that you submit a Proof of Address ( such as Bank Statement/ Water/ Electricity/ Gas/ Telephone Bills ) document that is dated within the past 90 days. 

Your data safety and privacy is very important to us. Google stores your information on secure servers and never shares it, except in the limited circumstances specified in our Privacy Policy. 

We make great efforts to review your documentation and reply to you within 24 hours. 

Thank you for your cooperation. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am writing to dispute the validity of four accounts that you have been attempting to collect on my behalf, which I believe are time-barred under the New York State statute of limitations for debt collection. The accounts in question are as follows : 1.Midland Credit Management 2XXXX XXXX As per my understanding of the New York State statute of limitations for debt collection, which is three years, the aforementioned accounts have exceeded the applicable time frame for legal collection actions. Therefore, I am requesting that you immediately cease all collection activities related to these accounts and remove any negative reporting from my credit files. 

Please note that I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Pursuant to the FDCPA, it is illegal to engage in any deceptive, unfair, or abusive practices in the collection of debts. Furthermore, the FCRA mandates that the information reported to credit bureaus must be accurate, complete, and verifiable. 

I kindly request that you take the following actions : XXXX. Cease all collection activities, including phone calls, letters, and any other form of communication, regarding the above-mentioned accounts. 
XXXX. Remove any negative reporting associated with these accounts from my credit files with all three major credit bureaus : XXXX, XXXX, and XXXX. 
XXXX. Provide written confirmation within 30 days of receiving this letter that you have ceased all collection activities and that you will no longer report these accounts to any credit reporting agencies. 

Failure to comply with this request may result in legal action being taken against your agency for violation of the FDCPA and the FCRA. Please be advised that I am prepared to pursue all available legal remedies to protect my rights.

I expect your prompt attention to this matter. Please consider this letter as a formal dispute and a request for validation of the accounts in question. I request that all future communication regarding these accounts be conducted in writing and sent to the address listed above.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are mandated to rectify or expunge inaccurate, incomplete, or unverifiable information within a stipulated timeframe, typically 30 days. It has come to my attention that Equifax is currently in breach of FCRA regulations, as the company has failed to conduct a thorough examination of disputed information and subsequently eliminate the aforementioned data from my credit report. Instead, Equifax persistently reports information that is inaccurate, inadequately verified, and incomplete. 

Upon disputing the accounts with XXXX, it was observed that inaccurate and incomplete information, including but not limited to the date of last payment, reported balances, payments made, and account history, was provided by XXXX. A proper investigation by Equifax would have revealed a recurring pattern of inaccurate reporting by XXXX XXXX Bank spanning at least XXXX months. Notably, the same XXXX account appeared twice on my credit report for extended periods, with varying account opening dates and balances. It is imperative to highlight that this account, opened in XXXX, is no longer legally valid. 

In a recent dispute, Equifax removed XXXX XXXX account from my credit report, which indicated an account opening date in XXXX and a duration of over 16 years. However, Equifax allowed XXXX to renew this aged debt by presenting the second Citizens account with a " no info '' designation for the date the account opened, accompanied by other incomplete information. This renewal of the account, coupled with persistent violations of debt collection laws by XXXX and its predecessors, has adversely impacted me in various ways over the years. These repercussions include hindrances in employment considerations for the year XXXX, imposition of higher interest rates on financial transactions such as my car loan in XXXX, and disqualification for loans or credit cards. 

It is essential to note that consumer reporting agencies are prohibited from reporting outdated negative information. Therefore, the continued reporting of this loan from XXXX, which has been charged off and renewed for an extended period, raises significant concerns and further underscores Equifax 's non-compliance with regulatory standards. 

XXXX and their predecessors are currently found to be in contravention of the Fair Credit Reporting Act ( FCRA ) as they serve as furnishers of information to consumer reporting agencies. Notably, they are supplying data that is incomplete, inaccurate, unverifiable and includes negative information that has become outdated. The provided information has not undergone adequate and sufficient validation processes, raising concerns regarding its legal collectability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
The student loan on my credit report were paid off and Balance at XXXX. Edfinancial is reporting as if I have a balance with them even after the servicer was changed to XXXX by the department of education.

I attempted to dispute with bureaus and it came back as updated.

I contacted Edfinancial over 65 days ago to have this properly updated and they have failed to do so even after confirming I have no current loans with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting 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:
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 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 non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting 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: OH

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 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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am writing to dispute the validity of four accounts that you have been attempting to collect on my behalf, which I believe are time-barred under the New York State statute of limitations for debt collection. The accounts in question are as follows : 1XXXX XXXX XXXX 2.Portfolio Recovery As per my understanding of the New York State statute of limitations for debt collection, which is three years, the aforementioned accounts have exceeded the applicable time frame for legal collection actions. Therefore, I am requesting that you immediately cease all collection activities related to these accounts and remove any negative reporting from my credit files. 

Please note that I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Pursuant to the FDCPA, it is illegal to engage in any deceptive, unfair, or abusive practices in the collection of debts. Furthermore, the FCRA mandates that the information reported to credit bureaus must be accurate, complete, and verifiable. 

I kindly request that you take the following actions : 1. Cease all collection activities, including phone calls, letters, and any other form of communication, regarding the above-mentioned accounts. 
2. Remove any negative reporting associated with these accounts from my credit files with all three major credit bureaus : XXXX, XXXX, and XXXX. 
3. Provide written confirmation within 30 days of receiving this letter that you have ceased all collection activities and that you will no longer report these accounts to any credit reporting agencies. 

Failure to comply with this request may result in legal action being taken against your agency for violation of the FDCPA and the FCRA. Please be advised that I am prepared to pursue all available legal remedies to protect my rights.

I expect your prompt attention to this matter. Please consider this letter as a formal dispute and a request for validation of the accounts in question. I request that all future communication regarding these accounts be conducted in writing and sent to the address listed above.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The student loan on my credit report were paid off and Balance at XXXX XXXXXXXX is reporting as if I have a balance with them even after the servicer was changed to XXXX by the department of education. 

I attempted to dispute with bureaus and it came back as updated. 

I contacted XXXX over 65 days ago to have this properly updated and they have failed to do so even after confirming I have no current loans with them.

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 2023-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had XXXX Derogatory marks on my credit and they have been there for more than 7 years I have tried reaching out but to no avail and I know after 7 years they are suppose to fall off my credit report however they haven't

Company response to consumer: Closed with explanation