vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-13 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: MA

Complaint narrative:
experian conducted an investigation into a disputed account being reported by XXXX XXXX. they completed the investigation and deleted the account on XX/XX/21, and today it was " updated '' and reappeared on my account. they refuse to remove the fraudulent account although the investigation was completed and all proper documentation was provided.

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 2021-08-13 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: AL

Complaint narrative:
I pulled my Consumer report and I am deeply disturbed and ashamed of the things I saw on my report! you guys are reporting misleading, false, and inaccurate information which is clearly an FCRA and FDCPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: GA

Complaint narrative:
I received a solicitation for a credit card from Upgrade.com with an {$8000.00} limit. I applied for the card in XXXX and received the card in the mail. I have never used the card ( I wanted to do some things around the house ). I just looked at the account yesterday and saw that they had a balance of {$6500.00} and I found a phony loan document with my name signed by Upgrade , Inc . I never received any money and never asked for any and never used the card. I tried to call them a couple or times but I was put on hold with no response and the call disconnected. The loan document is dated XX/XX/2021 and I have not communicated with anyone in their company since XXXX. I didn't receive a billing statement in the mail but when I looked at my account they had a billing statement for {$200.00} and asking me if I need financial assistance. This is a complete fraud and I can't get in touch with anyone at that company with the phone number provided. The company name and address is : Upgrade, XXXX, XXXX XXXX XXXX, XXXX Floor, XXXX XXXX, CA XXXX URL Upgrade.com I have no intention of re-paying money I do not owe for a loan I never received. Why do they think they can get away with something like this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: CA

Complaint narrative:
Transunion showing two medical collections listed by XXXX for {$780.00} and {$500.00} XXXX stated to me that the collections submitted by XXXX to them was for x spouse and do not belong to me i was not the patient I spoke To accounting at XXXX XXXX who stated she could not call XXXX to tell them the bills did not belong to me however XXXX says they cant remove unless XXXX calls them as they couldnt verify I was really XXXX XXXX even though XXXX stated i was not the patient they still needed XXXX to call XXXX said finally said they would call to remove but haven't i have disputed with Transunion but they still have not removed these two accounts.

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 2021-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SG and Associates
State: AZ

Complaint narrative:
A company by the name of Stafford and Associates I googled the name and all of the people I spoke with where mentioned in other people 's complaints. They demanded I give them a debit or credit card for money I owed to XXXX XXXX from 2015. They have no website or any way to verify who they are. The name they go by is Stafford and Associates. There number is XXXX ask for XXXX he is the manager. If you XXXX  the number you will see what I mean. Thank you. 

I called XXXX XXXX after I got off the phone to verify there status with them, they never heard of them and they dont use them, case closed!!!

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 2021-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I pulled my Consumer report and I am deeply disturbed and ashamed of the things I saw on my report! you guys are reporting misleading, false, and inaccurate information which is clearly an FCRA and FDCPA violation.

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 2021-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX - Sent in a dispute to XXXX and to all 3 credit Bureaus requesting that the account get investigated for accuracy. The credit bureaus and the XXXX came back and stated that the account was verified as accurate. 
XX/XX/XXXX - I requested a method of verification. This was not provided to me XX/XX/XXXX - Sent a dispute again for the inaccurate information XX/XX/XXXX - 4th dispute requesting investigation of the account. 
-- -- The date of last activity is listed with Transunion as XX/XX/XXXX, XXXX  XXXX and XXXX  XX/XX/XXXX. This is years a part. If they are getting the information from XXXX how is this possible. Along with the High Balance. Transunion/ XXXX  is showing an high balance {$64000.00}. And XXXX  is showing a high balance of {$21000.00}. This is just confusing to me.

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 2021-08-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I wired money from Marcus Goldman Sachs USA to an external Account on XX/XX/21 and The external Account never received the wire. XXXX XXXX XXXX never sent it back but I gave them the IMAD number to track it and it was never received by them. They told me to contact the FDIC cause they were worried that Goldman Sachs USA was committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
XXXX XXXX IS TRYING TO HAVEME PAY FOR SOMETHING THAT DOSENT BELONG TO ME, IT IS A CAR LOAN THAT WASENT ON MY NAME IT WAS ON MY SOCIAL SECURITY NUMER BUT WITH ANOTHER NAME, ANOTHER ADREESS ANOTHER PHONE NUMNBER, WHEN I KNOW ITS I CALL RIGHT AWAY THEY ASK ME FOR MY PERSONAL INFORMACION AND I PROVIDED IT TO THEN, I OPEN A COMPLAAINT AND WHEN THEY CLOSED IT THEY DICIDED THAT THAT ACOUNT BELONGS TO ME BUT WHAT XXXX DID THEY CHANGE THE INFORMATION THAT THEY HAD FOR THE ONE THAT I PROVIDED, I NEED THIS ACCOUNT TOTALLY REMOVED FROM MY SOCIAL SECURITY NUMBER BECAUSE IT IS NOT MY THIS WAS A FROUD ACCOUNT THAT DOSENT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) is still reporting a collection to my TransUnion report that is over 7 years old. They are also re-aging the debt to make it look newer than it actually is. I called XXXX XXXX XXXX on XXXX and spoke with XXXX ref # XXXX. I asked for validation of the debt and was informed the original collection was from XX/XX/XXXX, and will fall off at 7 yrs = XX/XX/XXXX when reaches 7 yrs old.

It's now 7 yrs old and it's still reporting. Property Addr was : XXXX XXXX XXXX XXXX. 

I demand this collection be removed from my TransUnion report as it older than 7 years and should have been removed by now,

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 2021-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I, XXXX XXXX, entered into a consumer credit transaction with MoneyLion Inc on XX/XX/2019. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

MoneyLion is reporting multiple late payments on my consumer report for the following account : Account Number : XXXX, which is a violation of 15 USC 1666b. 

I am demanding that MoneyLion return any fees that were improperly collected for this billing error. 

Furthermore, MoneyLion Inc, never disclosed to me that they are a debt collector and that they were attempting to collect a debt which is a violation of 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase called me with a wrong fraud alert. When I didn't recognize the ( wrong ) charge, they locked me out of my account, and when I called them hung up ... despite me waiting. 

They shouldn't have the right to lock me out w/o warning. They should at least try to reach me. I have a bunch of bills due this weekend & I will get more late fees if I can't enter my account in time. 

All of this because they raised a false alarm

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harley Davidson Financial Services Inc
State: IL

Complaint narrative:
Harley Davidson financial has called me, sent me letters, and come to my house, when I do not owe them any money, and I have never had any financial arrangement or loan with Harley Davidson ever. The person who owes the money has not lived in my house for more than two years. I need them to stop calling me two times every day, sending letters to my home that are not addressed to me, and to stop sending debt collectors to my home! I have asked them at least 50 times not to bother me again. The most recent call was today from XXXX, Harley Davidson financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I am seeking to validate and verify this alleged debt. This alleged debt is reporting on my consumer report and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The account that I had was charged off in XX/XX/XXXX. Reported as so until I actually called the lender on XX/XX/XXXX and paid the balance on the account. They changed the closed date of the loan to XXXX instead of of leaving it alone. Now it appears as though I have a late payment in XXXX which is not the case. I contacted the company on XX/XX/XXXX and asked them to correct it. The XXXX stated that it was reporting correctly, that they did not consider the account closed until I actually made the payment.

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 2021-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I have been receiving my direct deposit on my American Express serve card for three been my third pay period and I have had no issues at no point in time have been notified by American Express or serve that they were going to be rejecting my direct deposit going forward their claim was because of activity on the account the direct deposit came in I use the debit card and took the money out that was the thing I have done the entire time Ive had the account open they are now refusing to deposit theres one direct deposit which is my last direct deposit and I will happily close the accounts after this but theyre refusing to even give it back to me and I can not afford to be in that got my paycheck which is why I have it direct deposited in the first place when I spoke to Two people the first person told me that the reason this was happening was because my name was spelled wrong on my direct deposit which was not correct at all it was a lie then the second person told me that at all she could tell me was it wasnt gon na happen I wasnt getting my direct deposit yesterday Im a XXXX  they refused to transfer me told me they were as no one above them and there was no security department either that handled anything like this basically I was told that this decision comes out of thin air and it is what it is and I have to deal with it I will not receive my paycheck now for another week which means I will put my son I have a XXXX-year-old son that I put food on the table for I keep a roof over his head and I hate to break it to everybody but elections are now on the rise and thats what I will be facing because of this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: LA

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FinCo Services Inc DBA Current
State: MA

Complaint narrative:
My complaint starts of XX/XX/2021 when I had the amount of {$3700.00} dollars missing from my current baking app I tried reaching out to current they were not able to help other than issuing me a new debit card. I woke up today XX/XX/XXXX with {$510.00} dollars missing from current baking account once again I reached out to current and once again nothing is being revolved. I have a active police report Im waiting for. Im placing this complaint due to I need a full investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
The transaction happened on XX/XX/XXXX. It was a {$2000.00} transaction. I never authorized this transaction. I contacted Bank of America about it but they denied my claim.

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 2021-08-13 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: CA

Complaint narrative:
XXXX XXXX IS TRYING TO HAVEME PAY FOR SOMETHING THAT DOSENT BELONG TO ME, IT IS A CAR LOAN THAT WASENT ON MY NAME IT WAS ON MY SOCIAL SECURITY NUMER BUT WITH ANOTHER NAME, ANOTHER ADREESS ANOTHER PHONE NUMNBER, WHEN I KNOW ITS I CALL RIGHT AWAY THEY ASK ME FOR MY PERSONAL INFORMACION AND I PROVIDED IT TO THEN, I OPEN A COMPLAAINT AND WHEN THEY CLOSED IT THEY DICIDED THAT THAT ACOUNT BELONGS TO ME BUT WHAT XXXX DID THEY CHANGE THE INFORMATION THAT THEY HAD FOR THE ONE THAT I PROVIDED, I NEED THIS ACCOUNT TOTALLY REMOVED FROM MY SOCIAL SECURITY NUMBER BECAUSE IT IS NOT MY THIS WAS A FROUD ACCOUNT THAT DOSENT BELONG TO ME.

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 2021-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Got a letter from Credit Collection Services stating I owed hem money for car insurance through XXXX! I contacted XXXX and they stated I have never had car insurance with them and this collection company is trying to collect money under false pretenses! I contacted this company CREDIT COLLECTION SERVICES and they were so ruied and calling me a lier and Im a state Judge with morals!!! I have filed a FTC report and police and NC Insurance commission! Clearly this company is making up false information to collect money!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
the Retail Installment Contract has several violations of the Truth In Lending Act, all under the determination of the finance charge. Also note, an affidavit of truth was sent dated XX/XX/2021 and the company received it on XX/XX/2021 via XXXX certified mail, however the company has responded with a vague and general response in addition to not rebutting the affidavit of truth with a statement of truth. A sworn statement of fact or affidavit must be rebutted, point by point XXXX XXXX vs. XXXX of Alabama CR-05-1846 ) or it will be determined as truth and judgement to the benefit of the affiant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: RSI Enterprises, Inc.
State: CA

Complaint narrative:
XXXX  showing two medical collections listed by RSI for {$780.00} and {$500.00} RSI stated to me that the collections submitted by XXXX to them was for x spouse and do not belong to me i was not the patient I spoke To accounting at XXXX XXXX who stated she could not call RSI to tell them the bills did not belong to me however RSI says they cant remove unless XXXX calls them as they couldnt verify I was really XXXX XXXX even though RSI stated i was not the patient they still needed XXXX to call XXXX said finally said they would call to remove but haven't i have disputed with XXXX  but they still have not removed these two accounts.

Company response to consumer: Closed with non-monetary relief