vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was incorrectly charged a {$5.00} " XXXX XXXX '' on my business checking account for a " printed statement '' that I didn't ask for. Apparently, the bank defaults all accounts to these paper statements and charges customers $ XXXX for the printing fees, which is straight-up fraud. There were no clear disclosures about this practice anywhere in the account set up process. I wasn't using this account and definitely didn't need a statement printed and I certainly would never have paid {$5.00} for it either. I already tried to resolve this with the bank directly and they refused to refund the money they stole from me. This is not ok. I need reparations!

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 2023-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Corp Solutions Inc.
State: MS

Complaint narrative:
Credit Corp Solutions called my XXXX  year mother 's house today and threatened her. Asked if she had the she name as someone else. ( me ). I called them back and told them I only communicate through snail mail a d they are getting my mother 's number illegally and they said she is trying to find me because they can't find me. They have my address and sent me mail. I am disputing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
NOTICE OF DEFAULT AND OPPORTUNITY TO CURE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Transworld Systems Inc., On XX/XX/XXXX I filed a CFPB Complaint 'demanding the agreement between myself and Transworld Systems Inc that created the alleged debt. On XX/XX/XXXX Transworld Systems Inc. replied to the CFPB complaint stating the account was closed, and TSI intends to have no further communication with me. I CLEARLY STATED in my initial complaint that a FAILURE TO PROVIDE ANY INFORMATION IS A VIOLATION OF THE FDCPA 15 USC 1692 ( Fair Debt Collection Practices Act ). This has caused me the natural person/consumer damages by finding out that Transworld Systems IncXXXX XXXX XXXX ATTEMPTING TO COLLECT AN ALLEGED DEBT. 

Pursuant to 15 USC 1692f ( 1 ) Unfair Practices : states that that a debt collector may not use unfair means to attempt to collect any debt ; unless such amount is expressly authorized by the agreement creating the alleged debt or permitted by law. 

Transworld Systems Inc. BECASUSE FAILURE TO PROVIDE THE AGREEMENT CREATING THE ALLEGED DEBT, YOU ARE IN CLEAR VIOLATION OF THE FDCPA AND I WILL NOT STAND FOR YOUR ILLEGAL ATTEMPT TO COLLECT. YOU ARE CIVILY LIABLE FOR ANY AND ALL DAMAGES TO THE CONSUMER/NATURAL PERSON AND ORDERED TO PAY {$1000.00} PER VIOLATION PURSUANT TO 15 USC 1692k ( a ) ( 1 ) ( 2 ) ( A ). 

THIS IS YOUR LAST OPPORTUNITY TO CURE AND SETTLE THIS MATTER! 
Attached is an Invoice in the amount of {$3000.00} for violating 15 USC 1692f ( 1 ) Unfair Practices and damaging the consumer/natural person. Send check by certified mail to mailing locating listed above. Transworld Systems Inc. HAS UNTIL XX/XX/XXXX BY XXXX EST TO SETTLE THIS MATTER! THIS IS YOUR LAST OPPORTUNITY TO CURE AND SETTLE THIS MATTER! 

XXXX XXXX XXXX  Coming in Good Faith

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX and 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
Midland is in violation of the UCC 9-210 by failing to provide an authenticated record of accounting, which I requested on XXXX XXXX. Midland is also in violation of 15 U.S.C. 1681 for willfully furnishing inaccurate/unverifiable information to a consumer reporting agency, after being notified of the error. I am currently owed {$1500.00} for both violations. My only other option is to sue for damages if the account is not removed immediately. This is my final warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted our primary bank to notify them of several fraudulent charges that were made through our Checking account. These charges amounted to almost {$5000.00} and the merchant description was in XXXX XXXX, whereas my husband and I were both in XXXX XXXX, Texas XXXX at the time the charges were made. The exact charges are listed below all one after the other and all processed on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX - {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX - {$1000.00} At the time the person we spoke with stated that the fraud was an online charge against my husband 's debit card. A new debit card was issued and an investigation was opened. We were told we would receive text message updates on the claim. We were refunded the amount that had been debited from our account at that time. 

We never received any text messages from the bank and only realized any communication was sent after the funds were reversed from our account on XX/XX/XXXX. Upon calling the bank I was notified that a letter was sent to me virtually letting me know that my claim had been denied and that the funds would be reversed. The online fraud department explained that an investigation had been completed, although no additional information had been asked of my spouse or me, and they found that the transaction had been authorized by facial recognition or biometric technology and therefore denied. Although we have proof that my husband was not in fact in XXXX XXXX at this time and therefore could not have used his face to authorize these transactions, I was told that there was nothing that could be done. 
On the same day, XX/XX/XXXX, my husband spoke with a different representative and explained our situation. She stated that she would reopen the claim and asked my husband to provide the receipt that he had saved from the restaurant in XXXX XXXX we had visited that evening. 
On XX/XX/XXXX, my husband visited a local branch to speak with someone and fax the receipt with the reference number to the online fraud department as requested. 
To be respectful of the holidays and give time for someone to process the information, my husband waited until XX/XX/XXXX to contact the online fraud department again to see if any additional information could be shared on our claim. He was told a new claim was never re-opened and that nothing could be done. When he asked if he could speak with a supervisor he was told that they were not accepting calls. He called two additional times on XX/XX/XXXX and was met with more roadblocks and no additional answers on what could be done to help us regain the money that was stolen from our account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This company closed a line of credit. They ignored all of my communications asking for information regarding the account. Numerous letters.They also keep sending me bills with positive balances which is misleading. This account is hurting me and my family from succeeding in life. I reach out to them via phone and have yet to hear anything from them. Can you please assist me with resolution?

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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following accounts are incorrect and are adversely affecting my livelihood. 

Accounts : XXXX Account XXXX XXXX XXXX Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive sent XXXX rounds of dispute letters regarding an inaccurate account thats being reported. The first response I got back from the first letter was to send proof of identity and I have done that and resent a letter explaining my problem and requesting a deletion. I have yet to hear back from the credit reporting agency equifax and its been over XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
This is what happen when I pulled out my credit report I was totally surprise when I saw this MERCHANTS CREDIT GUIDE that has a balance of {$90.00} XXXX XXXX XXXX cause I did not own this account, this is inaccurate and they're only supposed to report accurate information. I was really suffer from this mistake and inaccurate information. THIS ACCOUNT IS NOT BELONG TO ME and this is a totally FRAUD.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2022, I received a text asking if I had made a purchase at XXXX XXXX. I indicated NO by text back and immediately received a phone call from a person claiming to be from my Bank ( Citibank ). He misled me into thinking he was from Citibank and continued to tell me about transactions in my checking account. I trusted him from that point on. I then received a XXXX transaction and he told me it was a fraud and will undo it. He proceeded to scam me out of 2 XXXX transactions {$4400.00} and {$4900.00}. I contacted Citibank immediately after I realized that it was a scam and that the XXXX transactions were real. Since then, Citibank has denied my claim for the {$4400.00} and the {$4900.00} is still pending investigation.

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 2023-01-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$8.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX : {$34000.00}

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 2023-01-05 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: FL

Complaint narrative:
I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXXXXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: NY

Complaint narrative:
This letter is a formal request to remove unauthorized Inquiries from my credit report. I've listed the unauthorized inquiries below. 

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 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. 

In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries outline above. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above-listed address. 

If your investigation determines the inquiry was authorized. I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation.

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 2023-01-05 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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX 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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-01-05 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX follow up to my complaint that wasn't resolved but marked prematurely. 

this information is incorrect. 

I understand that the company has sent over information, they have not properly validated this debt they sent information verifying the item, but the inaccuracies on my credit report are still present and with FCRA laws breaks the reporting act as willingly and openly reporting inaccurately to the credit bureau 's IF they were " UNAWARE '' of the " Indirect '' letters ' who was showing the information was verified who was sending information to the credit bureaus Wells Fargo was. For example. Wells Fargo Stated my Account was CLOSED XX/XX/2017 through inaccurate reporting I have late payment in XXXX and XXXX but you can not report late payments after an account is closed. in the month of XXXX and XXXX I have duplicate " 90 day late '' which is both inaccurate and Violates FCRA, XXXX XXXX, -date reported incorrect, -Charge off listed as a collection -Payment after charge off / collection -and listing account information incorrect and not showing the full account number. - wells fargo has violated Fair debt collection practices act. - wells fargo has not given their method of verification as well.

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