vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This was not sent inadvertently or by any other person than me ; I am a consumer by law, and thanks to XXXX 's misuse of my information during a data breach, some of the accounts and things on my credit report are not completely true. That improper handling of my credit profile was unethical. Handle this swiftly and appropriately so I can move forward with my Financial future which this has put a hold on. Thanks for the results I desire in advance.

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 2023-05-10 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: NV

Complaint narrative:
XXXX AND TRANSUNION, KEEP VALIDATING A BANKRUPTCY ON MY CONSUMER REPORT. 

THEY SAY THE COMPANY REPORTING HAS VERIFIED THE BANKRUPTCY. 

I HAVE MY CONSUMER FILE FROM ( XXXX XXXX ) THE COMPANY VERIFYING AND THEY DO NOT HAVE A BANKRUPTCY ON MY CONSUMER FILE. 

HOW IS XXXX AND TRANSUNION VERIFYING THIS INFORMATION IF THE COMPANY THEY STATE VERIFIED SAYS IT DOES NOT EXIST. 

PLEASE HAVE XXXX AND TRANSUNION DELETE FROM MY CONSUMER FILE. 

PLEASE FINE XXXX AND TRANSUNION FOR FAILING TO RE-INVESTIGATE, THEY ARE VIOLATING MY CONSUMER RIGHTS AND NEED TO BE FINED.

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 2023-05-10 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: LEXISNEXIS
State: NV

Complaint narrative:
XXXX AND XXXX, KEEP VALIDATING A BANKRUPTCY ON MY CONSUMER REPORT. 

THEY SAY THE COMPANY REPORTING HAS VERIFIED THE BANKRUPTCY. 

I HAVE MY CONSUMER FILE FROM ( LEXIS NEXIS ) THE COMPANY VERIFYING AND THEY DO NOT HAVE A BANKRUPTCY ON MY CONSUMER FILE. 

HOW IS XXXX AND XXXX VERIFYING THIS INFORMATION IF THE COMPANY THEY STATE VERIFIED SAYS IT DOES NOT EXIST. 

PLEASE HAVE XXXX AND XXXX DELETE FROM MY CONSUMER FILE. 

PLEASE FINE XXXX AND XXXX FOR FAILING TO RE-INVESTIGATE, THEY ARE VIOLATING MY CONSUMER RIGHTS AND NEED TO BE FINED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was fraudulently induced into sharing account access information with a third party and that party used that information to make a EFT from my account. Therefore this isn't an authorized EFT from my account I received a text and a call from a Bank of America fraud representative from the Bank America fraud number ( which I XXXX and the number was confirmed ). The txt and representative asked me if I authorized charges in the amount of {$2800.00} and {$650.00} to a name I did not recognize. I stated I had not and the representative took me through the steps to reverse the charges and re-secure my compromised account. When I realized it straight away it may be a scam, I alerted Bank of America through the small business number as this was from my small business account. The transactions were unathorized XXXX transfers through Bank of America. I have filed a claim through Bank of America. 

As discussed in Electronic Fund Transfers Error Resolution : Unauthorized Fund Transfers Question 1, Regulation E defines an unauthorized EFT as an EFT from a consumers account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 12 CFR 1005.2 ( m ). Comment 1005.2 ( m ) -3 explains further that an unauthorized EFT includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery. Similarly, when a consumer is fraudulently induced into sharing account access information with a third party, and a third party uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E.

For example, the Bureau is aware of the following situations where a third party has fraudulently obtained a consumers account access information, and thus, are considered unauthorized EFTs under Regulation E : ( 1 ) a third-party calling the consumer and pretending to be a representative from the consumers financial institution and then tricking the consumer into providing their account login information, texted account confirmation code, debit card number, or other information that could be used to initiate an EFT out of the consumers account, and ( 2 ) a third party using phishing or other methods to gain access to a consumers computer and observe the consumer entering account login information. EFTs stemming from these situations meet the Regulation E definition of unauthorized EFTs. 

Thank you for your help in promptly resolving this matter

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 2023-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
AMSHER COLL Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Weiss Fargo allowed XXXX to take a {$500.00} cable bill out of my account more than once that was returned. Wells Fargo closed my account with them and wrote off to the credit agency.

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 2023-05-10 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: PA

Complaint narrative:
ON XXXX, I disputed this account with experian and asked to company to validate, not verify the account They did not Therefor I want this removed from all the credit agencies

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 2023-05-10 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: CL Holdings LLC
State: PA

Complaint narrative:
ON XXXX, I disputed this account with XXXX and asked to company to validate, not verify the account They did not Therefor I want this removed from all the credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, You are in Direct Violation of The Fair Credit Reporting Act and the accounts listed below has violated several of my rights. 
15 U.S.C. 1681 Section 602 A. - Clearly states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2. - States a Consumer Reporting Agency can not furnish account information without my written instructions/consent.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: EdFinancial Services
State: AL

Complaint narrative:
My loan has been canceled and closed. My payment history has not been removed from my credit report. My report is still showing late payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: GA

Complaint narrative:
This is a violation with both FCRA & FDCPA, FCRA - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


EQUIFAX IS REPORTING AN INCORRECT BALANCE ON ACCOUNT XXXX  XXXX XXXX Account number XXXX Last updated date XX/XX/2023, we are currently in XX/XX/2023 the balance currently is XXXX, both XXXX & XXXX have the correct balance. This inaccuracy is a violation of my rights, everyday this inaccuracy is hurting impacting me, my family & my businesses. 

FDCPA 15 USC 1692e 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or Due to my rights you are in violation which you will need to submit a cashiers check to my address for {$1000.00} per day until this inaccuracy is corrected, payment sent overnight delivery. No later than 24 hrs of correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Someone stole my identity and opened two credit cards in my name with Florida addresses.I have never lived in Florida. or visited that place in the last five years.All the charges on the cards were made in Florida.Citibank charged off one of the account on XX/XX/XXXX. 

Opened a dispute with XXXX about inaccurate information on my credit report in XX/XX/XXXX. In XXXXCitibank did not charge off one of the accounts and i still have this inaccurate information and wrong addresses on my credit report.They have two Florida  addresses on my credit report that is false.This information is ruining my credit.I was unable to buy anything with this credit card because it will always decline payment.Lo and behold i got a bill from the bank saying i owe them {$8000.00} in credit card bill on XX/XX/XXXX. I also have never owned any credit card with the numbers Citibank is sending to me.Citibank also sent correspondence stating that my statement notification email was returned undeliverable and that i should make sure that my email is up to date. I am still receiving credit card bill every month which has now surpassed {$10000.00} and is still on my credit report. 
Yours Respectfully.

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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I checked my interest rate for a refinance with XXXX XXXX  over the weekend. Monday I started receiving calls from many, many phone numbers- some said scam, some said telemarketers, some just phone numbers. The number of calls as of today reached XXXX calls! This is unacceptable business practice. I contacted XXXX XXXX  who replied that they do not give out my phone number, but when they pulled the credit report ( which they really should not have, I was just checking rates ), the representative stated that the credit bureaus share my phone number. I am in disbelief that a consumer would be treated this way! I feel like I need to change my phone number. I am not sure what I can do, but this really needs to be reported and stopped. I appreciate anything that you can do to help with this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft and someone used my information to obtain a credit card with Capital One Bank. I have contacted Capital One and spoke to a fraud specialist that told me this account was already closed due to fraud and it should of been deleted from XXXX, XXXX and XXXX. I have also contacted these 3 bureaus and submitted my fraud affidavit for removal. The account reports as Capital One date opened XX/XX/2019 partial account # XXXX as a business card joint. I do not have a business nor joint with any business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: GA

Complaint narrative:
This is one of my numerous attempts to alert credit bureaus to the fact that I have been the victim of identity theft and that I wish to inquire about specific data in my files that were obtained as a result of the crime. The paperwork I'm looking at has nothing to do with any purchases of goods, services, or cash that I've made or given the go-ahead for. Remove any information from my credit report that was allegedly obtained by fraud or extortion, assuming no one is looking. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is one of my numerous attempts to alert credit bureaus to the fact that I have been the victim of identity theft and that I wish to inquire about specific data in my files that were obtained as a result of the crime. The paperwork I'm looking at has nothing to do with any purchases of goods, services, or cash that I've made or given the go-ahead for. Remove any information from my credit report that was allegedly obtained by fraud or extortion, assuming no one is looking. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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:
In accordance with the fair credit reporting act XXXX  accounts listed below has violated my civil rights. List of accounts that need to be removed asap : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also this address needs to be deleted Ive never lived at this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I lease a XXXX XXXX XXXX from XXXX used XXXX I have the Vehicle Contract which has missing information on it the finance charges are double and hidden for a used car I agreed to pay {$16000.00} plus {$1300.00} which is a total of XXXX ( Not XXXX ) after a down payment of {$3000.00} XXXX ( not {$15000.00} ) Amount financed shows up XXXX with 20.51percent interest will be {$3100.00} which is a total of {$18000.00} total owing the car payment of {$470.00} XXXX payments paid {$12000.00} which should be a remaining balance of XXXX remaining ( not {$11000.00} ) double charges for financing hidden fee thats not reported on the purchase contract been asking for total price so I can get refinance with a different company but I keep getting the run around Credited acceptance is hidden finance charges which makes the contract Fraudulent there not reporting the amount to customers of their financed charges they what XXXX for a used car thats not right and they hide of the financing charges and set up is up to fail I contacted a lawyer and I will also contact the Attorney Generals offices in Pennsylvania 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 2023-05-10 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account numbers : 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 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

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 2023-05-10 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account numbers : 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, 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

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