vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
Company Midland Credit Management sent a dated letter XX/XX/2021 given me until XX/XX/2021 to pay them {$1800.00}, or they will file a lawsuit against me. I do not owe this bill or have I ever authorize to do any business with this company. I was not aware of this company until I received the letter on XX/XX/2021, this company is not reported on any of the three credit bureau on my annual credit report. This is not my account and I do not owe this bill or this company.. I recently became aware of my personal information  was compromised in the XXXX  breach and recently file a fraud report with XXXX  bureaus reporting Fraud on my credit report. My personal information was also on the dark web. Please investigate any original documents with this company Midland Credit Management, and remove from my credit report. I do not recognized this company or a this $ {$1800.00} bill they are threading to file a lawsuit against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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:
Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX Account : XXXX Creditor : XXXX, XXXX.- Account : XXXX Creditor : XXXX  XXXX  XXXX- Account : XXXX Creditor XXXX XXXX  XXXX  XXXX- Account : XXXX Creditor : XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

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 2021-01-24 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX & XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX XXXX : XXXX XXXX XXXX- Account : XXXX XXXX XXXX XXXX  XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX Creditor : XXXX AT T XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.

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 2021-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Moore Law Group
State: CA

Complaint narrative:
On XX/XX/XXXX I sent The Moore Law Group ( debt collector ) a letter asking them to prove their claim and to let them know I am represented by an attorney. On XX/XX/XXXX I received a threat letter from them. Both letters are attached. Their reply is no way to respond to a letter and their reply to me is in and of itself a violation of the FDCPA on top of the other violations. I am requesting that the CFPB investigate and have The Moore Law group contact my authorized representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$6900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account.

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 2021-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
The post office took four weeks to deliver my credit card check to the credit card company. The credit card company charged me late fees and interest. I called the credit card company and they removed the fees this one time as a courtesy and wont do it again. I asked them why they werent they using the date on the envelope when the check was mailed and not when it was received. They say its when its received. The reason it was late is because the post office took four weeks to deliver the check and the charge card company took to long to post the payment to the account. A federal law needs to be passed that no late fees or interest can be charged during the COVID 19 pandemic as long as the payment is mailed before the due date and not when the payment is received. The law should include nothing can be reported to credit agencies either. Thank you. 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 2021-01-24 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: DISCOVER BANK
State: KY

Complaint narrative:
Re : Remove Inaccurate Information from my Credit Reports. Account # XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : DISCOVERBANK Account # XXXX XXXX. Delete because inaccurate information reporting. The account has been deleted from my XXXX  report on XX/XX/XXXX but still remains on my XXXX  and XXXX  report. 

2. Delete because inaccurate information reporting. The Highest Balance shows {$3900.00} on XXXX and {$4400.00} on XXXX. 

3. Delete because inaccurate information reporting. There's no closed date on XXXX  while XXXX  shows a close date of XX/XX/XXXX. 

4. Delete because inaccurate information reporting. Last Payment date shows XX/XX/XXXX on XXXX  while showing XX/XX/XXXX on XXXX. 

5. Delete because inaccurate information reporting. There's not Credit Limit on XXXX  while showing a Credit Limit of {$3900.00} on XXXX. 

The following account is not mine Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX, 2016 was when they say the account was opened..They kept calling my phone non stop harassing me about a loan of a {$130.00}. It says it is a XXXX balance account but still showing on my credit report. I would like this to be removed from all three Credit bureau..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Please be advised that this is a notice in writing concerning a billing dispute on a Saks Fifth Avenue store credit card. The purchase amount is {$980.00} dated XX/XX/XXXX. The item was purchased at Saks Fifth Avenue online with order number XXXX. The overseas customer service has been giving me conflicting information as to how long it takes to process a return. Thus, the retailer has not been helpful whatsoever. I also reported this billing dispute to XXXX XXXX customer service on XX/XX/XXXX, speaking with XXXX and given a dispute reference number of XXXX. 

I am providing proof of the returned merchandise via XXXX tracking number XXXX, delivered XX/XX/XXXX at XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
A single violin ( " product '' ) was purchased and paid for in XX/XX/2018. XXXX XXXX XXXX XXXX ( " XXXX XXXX XXXX '' ) failed to deliver the product. XXXX XXXX XXXX was contacted regarding the failure to deliver. When the product was finally received, it was damaged. XXXX XXXX XXXX was contacted again and a replacement was sent. After receiving the replacement, XXXX XXXX XXXX requested that the damaged product be returned to them.The damaged product was packaged and set outside for pickup by XXXX ( XXXX XXXX XXXX agreed to arrange a pickup ). XXXX  never showed up. XXXX XXXX XXXX then ran an unauthorized charge on my account for the damaged product they failed to pickup. This charge was disputed. XXXX XXXX XXXX was informed and apologized. The aforementioned is in writing and is attached. 

Thereafter, XXXX XXXX  XXXX has attempted to collect on the disputed charged for the damaged item they failed to pickup. XXXX XXXX XXXX has sent the non-existent debt to a creditor, Transworld Systems Inc. ( Account XXXX. : XXXX ). Transworld Systems Inc.is attempting to collect on a non-existent debt in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
Re : Remove Inaccurate Information from my Credit Reports. Account # -XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : AMEX Account # XXXX 1. The highest balance show {$0.00} on XXXX and XXXX while showing {$1000.00} on XXXX. 

2. Delete because inaccurate information reporting. The date Last Verified is XX/XX/XXXX on XXXX while having no verification dates on XXXX and XXXX. 

3. Delete because inaccurate information reporting. The Date Opened is XX/XX/XXXX for XXXX and XXXX while showing XX/XX/XXXX on XXXX 4. Delete because inaccurate information reporting. Creditor Type is " All Banks '' on XXXX, " Banks and Credit Cards '' on XXXX, and " Banks '' on XXXX. 

5. Delete because inaccurate information reporting. Last Payment is XXXX XX/XX/XXXX on XXXX while not showing a Last Payment on XXXX and XXXX. 
The following account is not mine Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Also, update the following accurate personal information to my credit 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 2021-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
Credit Collection Services has a collection reported on my credit reports for the amount of { {$760.00} }. I never did any business with XXXX. I don't know who this company is. I've never signed a contract with this company for anything. Ive never given permission verbally or in writing to anyone to pass my information to this 3rd party that Ive never heard of. 
Credit Collection Services never contacted me prior to placing negative information on my credit report which is a violation of federal law. When I called them to dispute they acted in an unprofessional manner and told me to dispute with credit agencies. I asked for written proof that this debt belongs to me and instead hung on me. Attempting to illegally collect a debt that is not owed specifically is illegal. My evidence clearly shows they are violating the law and never gave me the right to dispute nor did they have any accurate proof of their claim. This is a violation of FDCPA as well as a violation of FACTACT. l placed a dispute and it was denied. Please review this information. This has dramatically affected my credit. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: CA

Complaint narrative:
Experian did not correct an erroneous credit reporting item from XXXX XXXX XXXX. I disputed the item with Experian against XXXX XXXX XXXX on XX/XX/2021. I have spoken with XXXX XXXX XXXX mortgage department XXXX1 times and every single time, I was assured that I was never late and the balance is XXXX. However, Experian refuses to correct the error. 
The wrongdoing has caused my score being dropped to XXXX, preventing me from getting any credit during this very challenging time.

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 2021-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank Card Services failed to properly and diligently investigate a dispute. The company ignored documentations that I provided to them which were a clear and direct response to their requests. My dispute was closed twice in favor of the merchant by stating that they have not received any documentations. After my most recent attempt, the company refused to reopen the case. I have insisted to be contacted by phone by someone from their investigation team to explain their decision as to why the case was closed. No one ever tried to reach me to explain anything by writing or verbally. The only thing I received form the company were letters stating that the case was closed in favor of the merchant. It appears that the investigators of the company have biases that are partial toward their business partners and ignore all evidence provided by the consumer no matter how strong the evidence is. Such practices are unjust and unethical and it must be investigated. I have been a customer of Citibank for more than 30 years and I expect to be treated much better than this.

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 2021-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Someone attempted to deposit a Fraudulent check for {$5000.00} at a Bank Of America in North Carolina with a bank card in my name. I wasn't aware of what was going on due to it being an account I hardly used.

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