vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-07 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: NC

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For Equifax/XXXX/XXXX  & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B CONF # XXXX I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$1000.00} XXXX   XXXX Card  ACCT : XXXX AMT : {$160.00} XXXX ACCT : XXXX AMT : {$860.00} XXXX  XXXX  Credit Card ACCT : XXXX AMT : {$1600.00} XXXX  XXXX Credit Card ACCT : XXXX AMT : {$1600.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 , XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX Dealer Services XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and XXXX all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am attaching all documentation. As you can see I opened this account at the store on XX/XX/2019 and my first statement due was {$94.00}. Even before I received my first bill, I visited their website and set up automatic bill pay to pay the statement balance in full. Unbeknownst to me at the time, my bank account entered was off by a digit. Apparently, like most websites, there was no quality check to ensure my account had the correct # of digits, so this went undetected. Of course, since I set up the payment in full and when I received my next bill in the mail showing a balance due of {$2.00}, I had every reason to believe the account was in good standing. What I did not know was that the XXXX payment was paid then rejected because the bank account # was wrong and there was no quality check to determine the error and no notification to me by Macy 's. At the end of XXXX when the 2nd payment in full was rejected, I did receive a call from Macy 's credit notifying me there was a problem. I called back immediately upon hearing the message and the representative and I discovered that my bank account # was off by a digit. We fixed it and she refunded all late fees and interest charges and led me to believe everything was fine and that there was an agreement that I was not late, but this was a tech/digital error. Not until I checked my credit ( I do so regularly ) did I see a hit to my score, Apparently Macy 's had reported me 30 days late.I immediately disputed it with all credit bureaus and they all corrected it, including XXXX XXXX. The following month, Macy 's reported it again to XXXX XXXX, after they had removed it, at which time I called Macy 's to find out why. The women there were extremely rude, condescending and unhelpful and accused me of being delinquent, no matter how much I showed them evidence and explained clearly that this was entirely technical, digital, error and I had clearly made every attempt to pay the bill on time, in full, and my XXXX statement showed a {$2.00} balance, so I looked no further to see the transactions that showed a reversal. No matter what, they would not even look to see the actual facts. They said I should have looked further, even though as far as I knew, my automatic bill pay at their site was set up before I even got a paper bill., and my XXXX bill was {$2.00}, so obviously my payment went through. You can see clearly that this error in my bank account # was the reason for all of this, and any reasonable person or agency would reverse this negative reporting 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 2019-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LTD Financial Services, L.P.
State: AZ

Complaint narrative:
I left my apartment on XX/XX/XXXX. 
It is the XXXX XXXX  located on XXXX XXXX and XXXX. When I left for the walk through the property manager XXXX  I believe her name is, told me that we were square and if there was anything else needed I would be contacted by her. At that point I left her my forwarding address and we parted ways. I never once received email, phone call, or letter stating anything about owing money, since I left, the only time we spoke was when I called her to see what was going on. And she had no information for me. Several months later I received a letter from LTD financial services in XXXX Texas, stating that I had a outstanding balance of {$2000.00}. When I called The apartment complex to figure out what was going on, The property manager ( XXXX ) claimed that they sent a letter to my forwarding address and that it was returned so they sold my debt. Well knowing she had me and my fathers emails and phone numbers but neglected to contact either of us before sending it to collections. on the phone she started failed to maintain her story and reasoning for sending it off and not getting in contact with me or my father. LTD financial services contacted me through a letter. in the mailed letter they said unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume this debt is valid. I received the letter XX/XX/XXXX, and the charges were sent to the credit bureau on XX/XX/XXXX. The letter was stamped XX/XX/XXXX. Even if I received the letter the day it was sent it still wasnt a 30 day period before they sent this to the credit bureaus ( please see attachment A1 for letter and dates from LTD financial services ). Even though the debt is fraudulent I still would have made an attempt but LTD waited less than two weeks before reporting it to the bureaus. XXXX intentionally didnt make any real attempt to reach out and instead knowingly sold false debt to a collections agency, and damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: ClearPath Lending
State: CO

Complaint narrative:
XXXX Called & spoke to XXXX in XXXX , CA after receiving another unsolicited letter about a VA home mortgage loan. I asked him to remove us from their call & mail listings ; he promised he would. Called XXXX. 
XXXX & spoke to XXXX in XXXX, CA after receiving yet another unsolicited letter about a VA home mortgage loan. She promised she would remove us immediately. Called XXXX. 
XXXX another unsolicited VA letter as above ; called and spoke to XXXX XXXX, also in XXXX, CA, who also promised to remove us from ALL phone and mail solicitation lists. Called XXXX. 
XXXX another unsolicited VA letter ; didn't call ; sick. 
XXXX another unsolicited VA letter ; called and spoke to XXXX in XXXX, CA. She said she " didn't work for the company ; just handles the phone ... '' She was going to leave a message for Clear Path to remove us from the call & mailing lists. ( This just goes on and on and on ... ... it never STOPS!!!!! ) XXXX-Filed a complaint with the XXXX XXXX XXXX of XXXX, AZ ( # XXXX ) against Clear Path Lending for unsolicited harassing marketing practices ( as demonstrated above ). 
11/26/19-Got an unsolicited letter from XXXX XXXX, a partner of Clear Path Lending ; spoke to XXXX XXXX. He promised to remove us from his email/mail/call lists and gave me your information to file a formal complaint against Clear Path Lending to halt ALL marketing from them IMMEDIATELY FOREVER! 
XXXX-Got another unsolicited letter from Clear Path Lending for a VA loan ... can you believe it???? Yep! Still coming ... .It 's like a curse ... ..I will call them at XXXX and tell them that I have now filed a formal complaint with the CFPB against them for bad marketing practices and they had better stop and desist ever sending us any more mail immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am disputing the collections balance of {$1400.00} under Midland Credit Management , Inc. MCM Account Number XXXX. Midland 's letter states the original creditor was XXXX , XXXX . The XXXX  XXXX  Consumer Account Number XXXX, however, I personally contacted XXXX XXXX  and XXXX XXXX and they stated they did not recognize the account numbers provided by Midland. This balance is a result of identity theft. I have reports from credit agencies with proof of multiple addresses, credit cards, and intents to use my identity to sign up for services, which can be provided to CFPB upon request. I have made multiple attempts to contact the Midland to obtain more information, such as purchase receipt, but they have been unwilling to provide it. Any time I call Midland, they are threatening and unwilling to provide further information unless I provide personal information, such as SSN and payment information, which is not recommended. I sent Midland, their lawyers XXXX XXXX  XXXX XXXX XXXX XXXX, and credit agencies an FTC Report via certified mail indicating I am an identify theft victim and requesting them to remove the balance. The FTC Report Number is XXXX. I obtained confirmation from USPS that it was received and signed by Midland, XXXX and the credit agencies, yet both Midland and XXXX mailed my letter back days later. I have attached the signature confirmations from all companies and dates in which they were received. I also have copies of the signatures which I may provide if requested. To this day, I have not received any response from them regarding the FTC Report I shared.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Around the XX/XX/XXXX I noticed transactions unauthorized or unfamiliar on my account but due to I didnt get or receive my statements even mail or email service ( I requested on XXXX and they start sending the statement last month ) I made and send the report with the transaction highlighted to this bank to make the corrections. XX/XX/XXXX, receive a letter in reference to my claims said- no error has occurred in this instance.We now consider your claim resolved. But wait? They didnt do anything or resolve nothing and on the bottom said a number to call. I call that number and the representative tells me : theres no documentation relied to your claims. So? Honestly I need help because is my and family money

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 2019-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Contacted one specific relative to collect a debt twice. When that was unsuccessful they called another relative and left a voicemail. The company already has my phone number and address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
A Wells Fargo rep by the name of XXXX claims to have made numerous attempts at resolution to accounts not authorized and did not need or want, fees charged to these accounts. There have been no such attempts, he mentions such attempts in prior replies to CFPB complaints. His responses seem to be a general form letter, he has not detailed any of of the attempts at resolution. I can assure the CFPB Wells Fargo has not made any attempts, he is lying. I've filled out a total of four mediation request forms to date, a settlement offer was made by Wells Fargo rep, XXXX XXXX, it was accepted but no payment received. Failing to honor their offer, I requested a refund of {$610.00} which was detailed in my mediation requests, it was later denied citing a check supposedly sent to me prior which was never received. Needless to say, nothing resolved and again, any supposed attempts at resolution are entirely bogus, a lie. Wells Fargo is well aware of resolution which is a refund of {$610.00} for fees charged to accounts opened which I mentioned above. They have denied this request, additional complaints will be filed in regard to this matter. A refund of {$610.00} will resolve 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 2019-12-07 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: TX

Complaint narrative:
There are several items on my credit report due to fraud and i have reach out to all three credit bureaus with absolutely no response. not one has even investigated the issue or tried to assist me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: First Data Corporation
State: CO

Complaint narrative:
On Monday XX/XX/2019 I received two Email Notifications, Telling me that I had made two Purchases From a city And State that were hundreds of miles away from where I actually live. From a supermarket in this city for the amount of XXXX and then again for XXXX. I proceeded to call the customer service number on the back of my card to make a dispute and try and figure out what was going on. They told me that they had deactivated my card and that I would be getting a new one in the mail within 7 to 10 business days. And that they would send me a dispute letter that I must fill out and send back within 10 days in order to be eligible for a temporary credit of the amount disputed. It has now been 5 days since I called and still no dispute letter for me to fill out and send back. And they say if they dont receive it within 10 days from the date in which I called to make the dispute. That it would take any where from 45 to 90  days to have any chance of getting my dispute resolved. Later that day on XX/XX/2019 I received an additional notification from money network saying that I had purchased {$13.00} worth of fuel, still from the same city XXXX XXXX. I called them again for a second time asking why Im still being charged for items in this city and state, when I had made a clear dispute hours earlier. And they had told me that they had canceled my current card from which the money was being spent from. They told me that the purchases were pending and that they hadnt gone through until then. And that there were two total charges for fuel from a XXXX in XXXX XXXX. One for the {$13.00} which I received a notification for and another for {$15.00} in which I did not receive a notification for. So then I opened an additional dispute for another two charges on my card. Told me the same thing about the dispute letter and them having to receive it within 10 days for them to do anything about it. Or else it would take them 45 to 90 days to even take a look into it.

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 2019-12-07 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 am attaching all documentation. As you can see I opened this account at the store on XX/XX/2019 and my first statement due was {$94.00}. Even before I received my first bill, I visited their website and set up automatic bill pay to pay the statement balance in full. Unbeknownst to me at the time, my bank account entered was off by a digit. Apparently, like most websites, there was no quality check to ensure my account had the correct # of digits, so this went undetected. Of course, since I set up the payment in full and when I received my next bill in the mail showing a balance due of {$2.00}, I had every reason to believe the account was in good standing. What I did not know was that the XXXX payment was paid then rejected because the bank account # was wrong and there was no quality check to determine the error and no notification to me by XXXX XXXX. At the end of XXXX when the 2nd payment in full was rejected, I did receive a call from XXXX 's credit notifying me there was a problem. I called back immediately upon hearing the message and the representative and I discovered that my bank account # was off by a digit. We fixed it and she refunded all late fees and interest charges and led me to believe everything was fine and that there was an agreement that I was not late, but this was a tech/digital error. Not until I checked my credit ( I do so regularly ) did I see a hit to my score, Apparently XXXX XXXX had reported me 30 days late.I immediately disputed it with all credit bureaus and they all corrected it, including Trans Union. The following month, XXXX XXXX reported it again to Trans Union, after they had removed it, at which time I called XXXX 's to find out why. The women there were extremely rude, condescending and unhelpful and accused me of being delinquent, no matter how much I showed them evidence and explained clearly that this was entirely technical, digital, error and I had clearly made every attempt to pay the bill on time, in full, and my XXXX statement showed a {$2.00} balance, so I looked no further to see the transactions that showed a reversal. No matter what, they would not even look to see the actual facts. They said I should have looked further, even though as far as I knew, my automatic bill pay at their site was set up before I even got a paper bill., and my XXXX bill was {$2.00}, so obviously my payment went through. You can see clearly that this error in my bank account # was the reason for all of this, and any reasonable person or agency would reverse this negative reporting 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 2019-12-07 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: TX

Complaint narrative:
There are several items on my credit report due to fraud and i have reach out to all three credit bureaus with absolutely no response. not one has even investigated the issue or tried to assist me in any way.

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 2019-12-07 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: TX

Complaint narrative:
There are several items on my credit report due to fraud and i have reach out to all three credit bureaus with absolutely no response. not one has even investigated the issue or tried to assist me in any way.

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