vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-19 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: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. 

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: NJ

Complaint narrative:
After reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the Experian, XXXX XXXX and XXXX has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted nor fixed it yet!

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 2023-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
This account was reported back in XXXX and XXXX as a Fraud account and removed from my credit reports. AFFIRM placed a collection on my reports which lowered my score -49 points. I owe no collections and my reports are perfect. This account is Fraudulent as reported in XXXX. You have 5 days to remove this from my credit bureau reports or I will file civil action for collecting a debit not owed and that has been previously reported as fraudulent. My personal information has been involved in a large amount of data breaches. 

You are in violation of the Fair Debt collections act for reporting an account that has already been reported as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchased an XXXX XXXX ticket online from a travel company. I printed my ticket and arrived at the train station, only to be told my ticket was invalid and I had been scammed. The original charge was {$500.00} on my BJs Capitol One XXXX. As I did not have a legitimate ticket to ride the train, I had to purchase another ticket for {$560.00} from XXXX. As soon as I discovered that I had been scammed I reached out to Capitol One to start a dispute over the {$500.00} charge. This began a long series of requests for proof of my claims which I sent them. Each time I sent them the information, they would immediately refuse my claim. Its as if they are reading from a script and adding one more thing you have to come up with every time they talk to XXXX resolve your claim.After approximately 20 phone calls and as many requests for more information, I was unable to provide anything else and they refused my claim. When I realized that I was getting nowhere I offered to split the {$500.00} and accept that as the final step in the process. Capitol One refused my offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/2023 national credit systems agreed to delete collection from all credit reports and remove account that was on collections since they have now removed this collection and it was found to be not accurate or valid I am wanting a monetary compensation for the damage that has cause me, I have been getting denied for extension of credit due to that collection being on my credit report. Please provide me a monetary compensation of {$1000.00} as per law for damages

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: FL

Complaint narrative:
I have reached out to all of the collection agencies as well as the sent letters on XX/XX/XXXX to Experian, XXXX, and XXXX. I have uploaded the letters below. However it has been more than 30 days and the credit bureaus and or collection companies has failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the 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 reseller. 

This is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. The credit agencies furnished these accounts that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in anyof it. More so they didn't follow the proper 5 step validation procedure which make thisunfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation andclearly they violated my rights.

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 2023-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I have contacted XXXX XXXX XXXX protection on more than 3 occasions to see if I'm enrolled in credit protection. The first time they only had one person working in the department XXXX she said the system is down. the 3nd time no onr answered.. and today someone answered and didn't say nothing. this is unacceptable and needs to ne resolved ASAP.

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 2023-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I reported a number of fraudulent withdrawals from my Citizens Bank accounts ( checking and savings ). When I received confirmation letters from the fraud division, three claims were missing. I called and re-reported these claims in XX/XX/XXXX. Most of the claims, all of which were ACH, were repaid, but the bank denied two claims ( a check on XX/XX/XXXX in the amount of {$1000.00} and on XX/XX/XXXX in the amount of {$300.00}, both of which were clearly fraudulent ). They claimed that the denials were because my reported claims were untimely, but they repaid some older claims. And the first time I reported the claims on XX/XX/XXXX, the XXXX was was within 60 days and the XXXX was just outside of it. If you looked at the checked ( one written by and to XXXX XXXX and one by and to XXXX XXXX with my name nowhere on them ), they are clearly fraudulent. The bank failed to use even a modicum of proper care, good faith, and due diligence in care of my accounts. 

Even more, I have spent many hours on the phone with representatives of the bank and the fraud division and have been given conflicting and false information. One person at the fraud division on or about XX/XX/XXXX told me that I had to call the branch for the denied claim. I called the branch and the person I talked to told me they have nothing to do with fraud claims, and he believed the person just wanted to get me off the line. 

I have been a customer for decades. Even with low expectations for a commercial bank, I'm disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: TN

Complaint narrative:
Fraudulent Accounts have been attributed to my file that were opened by a thief and not me. 
XX/XX/XXXX {$6500.00} XXXX XX/XX/XXXX {$430.00} XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XX/XX/XXXX {$25000.00} 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 2023-05-19 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: TN

Complaint narrative:
Fraudulent Accounts have been attributed to my file that were opened by a thief and not me. 
XX/XX/XXXX {$6500.00} XXXX XX/XX/XXXX {$430.00} XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XX/XX/XXXX {$25000.00} XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: World Acceptance Corporation
State: GA

Complaint narrative:
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. 

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
After returning vehicle. Ally Financial says I am responsible for wear & tear, excessive mileage and acquisition fees due for a total owing {$3000.00}. For the past 3months, I keep reminding them I purchased SMART LEASE PROTECTION ( {$1000.00} ) & MVP TIRE/WHEEL PROTECTION ( {$550.00} ) and the balance due is incorrect. The last rep XXXX XXXX said she would investigate but now is never available. Today XXXX XXXX told me contact the dealership and make them send balance due.

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 2023-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On Sunday I received a fraud alert from my bank, informing me of 2 Transaction being processed through CASH APP XX/XX/23 at XXXX and XXXX ( 2 ) unauthorized transaction in the amount of {$2000.00} each for a total of XXXX XXXXXXXXThese transactions were completed and processed without any of the following policies and Protocols that CASH APP has in place. 1. My phone was in my possession at all times. 
2. My phone has a locked screen with a pin. 
3. My cashapp account required a verification to add a new person. 
The person receiving the fund Name is XXXX {$190000.00}. This person just appeared XX/XX/23, no other record of this person. ( no notice VIA TEXT OR EMAIL. NEVER ) Never got notice of withdrawal from CASH APP, which to generate on every withdrawal, ,also on bank statement different name XXXX 4. My cashapp account required a pin to release and confirm payment. 
Once I notice the transaction, I immediately contracted Cash App customer Support via the app to report and fraud and scam, this was the only way ( at this point the payments were pending ). 
on Monday I called Customer Support to inform them to stop the payment and there system has been hacker. 
They can not or will not give me any evidence OR told me how this happen, their only response was, : ( I had to authorize the payment ) CASH APP IS STEALING MONEY FROM ACCOUNT HOLDERS, HACKING INTO BANK ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
In XX/XX/XXXX, we purchased a XXXX XXXX XXXX. Many companies were sought out to finance the vehicle. Therefore many inquiries are on our credit report. Capital One Auto Finance was chosen at a whopping XXXX percent interest rate. We made our payments on time since then ( beginning XX/XX/XXXX to present XX/XX/XXXX ) We were told by the dealership that if 6 months of payment were made, our interest rate would lower significantly. Our credit score would be significantly higher without a payment of {$490.00} if Capital One would lower their rate, considering our excellent payment history. 
We have received other offers from various loan companies however they are wanting to start over the lease that does not improve the financial situation we are in. Having XXXX XXXXXXXX XXXX, my doctor advised to move from Colorado to a lower altitude to live longer. We can not do that under these circumstances. You may reach me reach me at ( XXXX ) XXXX via text with a possible resolution to this matter. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: TN

Complaint narrative:
a credit card was fraudulently opened in my name, through the XXXX XXXX XXXX XXXX through US Bank and the financial institution sent me a letter stating it was closed as fraudulent, but yet the account remains open and took me to collections when I have never opened an account, nor have I ever had that financial institution. They never call back when calling and getting voicemail. They say they never receive the police report that I have sent them 3 times.

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 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Accounts : XXXX XXXXXXXX - {$470.00}, XXXX XXXXXXXX - {$540.00}, XXXX - {$100.00}, XXXX XXXX - {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - {$1900.00} Dispute letters were sent to credit bureaus ( XXXX, Equifax, XXXX ) on XX/XX/2023 through USPS certified mail to verify through physical verification of the original signed consumer contract of all accounts mentioned above. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: FL

Complaint narrative:
Accounts : XXXX XXXX - {$470.00}, XXXX XXXXXXXX - {$540.00}, XXXX - {$100.00}, XXXX XXXX - {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) - {$1900.00} Dispute letters were sent to credit bureaus ( XXXX, XXXX, Experian ) on XX/XX/2023 through USPS certified mail to verify through physical verification of the original signed consumer contract of all accounts mentioned above. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Fraud on XXXX transfer of money. The crook spoofed the customer service number of XXXX XXXX XXXX on XXXX XX/XX/XXXX. He asked if I made a XXXX transfer on specific date, dollar amount and to who. I have never used XXXX on my accounts. He wanted to help stop and cancel the transfer. I said I would call XXXX myself. I hung up and called XXXX customer service and noticed that the caller had he same number of customer service. I left a message for XXXX fraud department. Shortly I received a call back, only it was the crook again. I trusted that this was indeed the bank. They led me through a service of cancellation number, which turned out to be a transfer of money from my checking account. XXXX has an excellent fraud detection department and tagged and paused the transfer to XXXX. The caller asked if I had XXXX on other accounts and I replied Wells Fargo. He had me log into this account and the same series of numbers, which he said were cancellation codes. I received a text from Wells Fargo that my account reached XXXX balance. I told this person, who I thought was XXXX XXXX XXXXXXXX. He then hung up. 
I immediately contacted XXXX. They were excellent and " failed '' the transfer. 
Wells Fargo opened a claim for the {$980.00} removed from my checking account illegally. 
They followed up with a series of 3 letters, the last one stating they closed my claim. 
I followed up with them on XX/XX/XXXX with a phone call. Wells Fargo did submit a request from the receiving financial institution to have the funds returned. This has not happened.

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 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I just found out I had a debt from IC Systems and found outs its a phone bill company I never loaned with

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 2023-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A young lady with my first name was sharing my account with me not sure how she was able to use my account without chase being able to catch her and unfortunately for me she was collecting my paychecks from my partime job for over 6 months and I am now out of almost {$10000.00} I have tried to resolve this issue with chase but to no avail, I need my money to pay my bills and to take care of my family please help me catch this criminal.

Company response to consumer: Closed with explanation