vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
Checked my XXXX XXXX  and seen that it had s collection that is not mine i have a letter of the correct person who is responsible for that account, collection, and debt. I have done a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: PA

Complaint narrative:
I have no knowledge of these following inquiries. they were not made by me. I have reached out to these creditors and haven't gotten any results. The names of the following inquiries are XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: Chime Financial Inc
State: OR

Complaint narrative:
On XX/XX/2022 two transactions were done using my debit card while I was asleep of {$130.00} at XXXX then {$160.00} XXXX from a merchant XXXX. I've never heard of this merchant before. I called my bank Chime and they said they were unable to dispute it while it's pending. Today on XX/XX/2022 it posted and I filed a disbute and not even XXXX minutes later they denied it and said I was liable. When I called back they said they were unable to provide to me why it was denied or give me any further information. They also told me I needed to contact the merchant to prove I did not make these rather than them doing it. 

I was on the phone with chime to dispute this at XXXX for XXXX minutes so I was off the phone with them by XXXX. I got the email at XXXX that it was denied which means they did not even contact the merchant. 

My phone number is XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX oregon XXXX If you need any further info please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX, Account # XXXX, has violated my rights. 

XXXX ) XXXX XXXX XXXX XXXX ( Originator - XXXX XXXX XXXX XXXX ), Account # XXXX, has violated my rights XXXX ) XXXX XXXX XXXX XXXX XXXX ( Originator XXXX XXXX ), Account # XXXX, has violated my rights XXXX U.S.C 1681 section 602 A. States I have the right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which anted
ates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  XXXX, Account # XXXX, has violated my rights. 

XXXX ) XXXX XXXX XXXX XXXX ( Originator - XXXX XXXX XXXX XXXX ), Account # XXXX, has violated my rights XXXX ) XXXX XXXX XXXX XXXX XXXX ( Originator XXXX XXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 602 states I have the rights to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer report reporting agency can not furnish an account without my written permission 15 USC 1666B : A creditor may not treat a payment on my credit card account under a open end consumer credit card plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
Checked my XXXX XXXX and seen that it had s collection that is not mine i have a letter of the correct person who is responsible for that account, collection, and debt. I have done a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ARS National Services, Inc.
State: FL

Complaint narrative:
I receive multiple daily phone calls from the company, which are followed by 5 to 10 robo calls right afterward, all documented by a scam blocker app through XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
I live in Colorado. On XX/XX/2021 my house was destroyed in the XXXX fire near XXXX. XXXX is my insurer very promptly worked out a settlement with me for my structure- They issued a two party check to my wife and me along with Flagstar Bank the holder of the mortgage. The amount of the check was {$900000.00}. By XXXX we had decided to pay off the mortgage. I sent the check with a letter by XXXX, as they instructed me to do, to the bank asking them to pay off the mortgage. I also enclosed a XXXX sticker and envelope for them to return the check in to me, as instructed by a person in their loss department. They did not pay off the loan until XX/XX/XXXX and they owe us a balance back of {$500000.00}. It is XX/XX/XXXX and we have not received a check. I have called six times to them and my wife called again today. They have told us many different and conflicting things. Today they told my wife that the check was mailed using US mail and untracked. They say it must be lost in the mail. They said today they will stop payment on the check- which takes 10 business days from today. They then said we should call back again to ask to have a new check issued in 10 business day. My wife was on the phone for 2 hours today and over my 6 calls to them I estimate I have been on the phone for at least 4.5 hours. All this and they want us to call back to beg to have them issue a check for our money.

I want them to promptly issue a check to me and if that money has been earning interest I also think it is fair for them to provide that interest to me. Can you please help me. I lost my house- XXXX has been wonderful but Flagstar bank could not be worse. Can you please help me get my {$500000.00} back from this bank?

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 2022-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I contacted Wells Fargo regarding a negative credit report on my account. I was provided a document by them stating my account was closed with a XXXX  balance. Now I check my credit and its showing the negative reporting as well as a balance.

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 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To Whom It May Concern : I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
Experian did not respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. 
Secondly, As I previously stated in my 1st dispute, the information is inaccurate on my consumer report. It is listed on my consumer report as XXXX XXXX XXXX XXXXXXXX. Which is incorrect. The Correct name is United States Bankruptcy Court. The state and zip code are also not listed in report. 

It is quite clear that someone from Experian lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 
As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX XXXX XXXX  Docket # XXXX Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : Please respond to me in writing once this removal has been completed. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-06-02 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: EAST WEST BANK
State: CA

Complaint narrative:
My family opened an account with East West bank ( https : //www.eastwestbank.com/ ). We deposited {$5000.00} on XX/XX/XXXX, via a check from XXXX XXXX XXXX. 

On XX/XX/XXXX, East West bank decided to close our account, without providing any reason. They said the {$5000.00} deposited to East West Bank will be credited back to XXXX. On XX/XX/XXXX, our East West Bank account was closed, and the account activity shows that {$5000.00} has been withdrawn. However, our XXXX account never received the {$5000.00}. 

I called XXXX, and they explained that this check was never received, and advised me to let East West Bank issue me another check. I then called East West Bank, and they said that the check has been mailed out, and it was not possible to mail another check. This time, East West Bank told me the routing and account number of the check. 

So I called XXXX again, telling them the routing and account number, but XXXX was not able to locate this check. I even escalated with XXXX and spoke with a supervisor, who was not able to locate this check either, and told me that East West Bank needs to issue a new check - the same thing I was told before! 

I gave one last call to East West Bank and asked to speak with a manager. The manager said they are not able to provide further information, and said that " further actions will be in vain ''. I have voice recordings of this conversation and can provide them upon request. 

I respectfully request you to take a look into this issue. The two banks involved are East West Bank and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Capital One Quicksilver has put my last 3 credit card payments on a 26 day hold. The 3 payments total {$2900.00}. 
I've spent the last 3 hours talking to 6 different Capital One call center employees. None of them could tell me why the payments are on hold, just that they are on a 26 day hold. They have also told me there is nothing that can be done and they refused to escalate my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have checked with my state attorney general and confirmed that the statute of limitations on this type of debt has expired. I would like this incorrect information to be removed from my credit report as soon as possible. I would also like all unjust communications tactics ( phone or/and mail ) which is in violation of the fair debt collection practices act to cease as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 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: CA

Complaint narrative:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
On XX/XX/2022 my Wells Fargo account was hacked online and money was transferred from my savings account to my checking account then my credit card was used to make fraudulent charges. They created a travel plan on my account that from XXXX to XXXX. I contacted wells fargo within 30 mins of the activity showing on my account. I turned off the credit card that was compromised. As i was on the phone with wells fargo agent i changed my account user name and password. They told me to give them 10 days to investigate the claim, then declined my case saying there was no fraudulent activity. I called back and they told me they would reopen the case with higher management and that i needed to give them 10 more days to investigate. I called back during the second set of 10 days multiple times looking to talk to a manager and they were never available and they never returned messages or calls. I have all the evidence needed to prove my account was hacked but wells fargo did not help at all with listening to my input and basically kept telling me they would call me back on multiple times and never did. They finally told me the case was never reopened on the last time I called them and they said i would not get my money refunded. I lost a total of {$4600.00} dollars. After i received no help from wells fargo. I contacted a lawyer for advice and was told to file a police report about the case. I filed a police report on XXXX. I'm taking all measures possible to hold wells fargo accountable as i have proof of the fraud on my account. As their customer of over 10 years it is very frustrating that their customer service was all but professional. I would like any advice and help I can receive in pursuing Wells Fargo to refund my account of the money that was stolen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief