vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 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: Sarma
State: CA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.I demanding immediately deletion of this in accurate fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
The office of XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Arizona while contacting my about a debt in collections for Midland Credit Management sent me information ( Full name, Address and act numbers and Original creditor statement ) belonging to someone else. And only sent a cover letter with my name on it. If I received someone elses acct information then someone else received mine. This is not acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Ive reached out multiple times regarding a charge off on my account that is coming back verified as accurate when it is in depth inaccurately reporting on my credit report. How is it Ive reached out multiple times and yet their are still inaccuracies remaining on my report REMOVE THIS ACCOUNT IMMEDIATELY Ive sent over multiple letters asking to remove this account and also verify the debt and Ive yet to receive in Mail a letter showing proof where I was emailed any correspondence from XXXX  regarding late payments or my account going into default this account is showing as a charge off on my report XXXX XXXX is reporting a charge off on my consumer report I havent received any of the 1099c forms as requested Ive reached out to advised them to remove this account they updated it instead of removing this account as a whole it was reporting incorrect information like late payment incorrect date of activity incorrect balance and incorrect payment dates under I B WOULD LIKE THIS ACCOUNT REMOVED COMPLETELY also 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) a person shall not furnish any information relating to a consumer to any agency if the person knows or has reasonable cause to believe that the information is inaccurate i would like you to provide me by mail how you validated this information to be correct a the IRS defines a charge off as gross or ordinary income. income does not get reported on a consumer report I have sent over a hand written response by mail requesting that this account be DELETED FROM MY REPORT for reporting inaccurate information I demand this account be deleted as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I didn't give this company the authority to access my credit file. I never conducted business with the company. However, this company has access to my personal information. I sent a letter to the company and haven't received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital One has not addressed any of the issues that were placed in the complaint. This issue did not start in XX/XX/2020 ; it started in XX/XX/2020. A letter was sent to an address where I did not live but was not made aware of it until I called Capital One later. I was told by one of the reps that my payment was supposed to be a certain amount and I paid the amount requested but then later was advised I was supposed to pay the amount in the letter that I never received. The account was restricted then and I was told that even if I pay it off, I won't have access. The payments that Capital One claimed were returned were associated with a card placed online and were locked at the time of the payments. Capital One turns the autopayment on the account when a payment was made over the phone. I explained this to Capital One reps several times and they were supposed to pull reports to verify but they haven't since 2020. In closing, Capital One has not provided any explanation for the issues I outlined and then has the audacity to claim that payments were returned even when the online card is a Capital One debit card. None of these payments were returned for insufficient funds, it was returned because the card was locked. All of these returned payments were explained to the reps several times but Capital One still claims that these payments were returned due to my fault. I have never made an autopayment to Capital One since XX/XX/2020, but it was made manually. Please address my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Conduent Incorporated
State: FL

Complaint narrative:
I am looking to transfer my HSA balance from XXXX to a new HSA provider. The XXXX website does have a form to easily transfer funds into XXXX, but no form for transferring funds out of XXXX to another HSA provider. 

I have made three ( 3 ) separate calls to their customer support line, each one ( 1 ) hour in duration, and was unable to reach a customer service representative. Additionally, I sent a message through their web portal three ( 3 ) weeks ago and have received no response. I have made several reasonable attempts to reach a customer service representative regarding transferring my HSA funds to another provider, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: NC

Complaint narrative:
No communication whatsoever! I had to keep calling them to get a hold of the lady. Also when she did she said she couldnt approve even though I had a previous mortgage with them. Now all of a sudden Im not approved without telling me why

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/XXXX, I was scammed by a person for {$120.00} and my bank refused to return my money after I submitted a claim with a dispute center.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Certegy Holdings, LLC
State: CA

Complaint narrative:
Hello Sirs, I originally filed a complaint against Certegy regarding a paid item reported by XXXX on my consumer report. This items is scheduled to be removed on XXXX XXXX. The initial complaint number is XXXX. The Certegy reference number is XXXX. It's now XX/XX/2023. I would like a copy of a update consumer report removing this item with XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
Caine & Weiner debt collector has refused to update my credit reporting. XXXX XXXX made an error on my account and did not close my account properly in XXXX XXXX even though I provided my insurance declaration page from XXXX XXXX. After reporting the insurance company to the Department of Insurance they send me a notice indicating they correctly cancelled my insurance in XX/XX/XXXX and sent me a refund for {$51.00}. I contacted Caine & Weiner today and they said XXXX pulled back the account to show I no longer owed an debt however they have not updated their system. XXXX and Caine & Weiner are violating my rights under FCRA by failing to update my account with the credit bureau agencies which is impacting my ability to buy a house as my credit score has dropped. 

I want my account updated immediately as it has been over a month since XXXX realized their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX, PA XXXX on XXXX XXXX. I received a loan from CREDIT ACCEPTANCE. Upon my findings they have violated my rights with THE CONSUMER LAW 15 us code 1605 and also 15 usc 1681 a ( 2 ) ( a ) ( i ) which states late payments are illegal. I was not explained in detail all of the extra fees and down payments are illegal which Ive paid. Also I was giving a very hard time getting my car fixed after day XXXX of purchasing the vehicle. They were rude and did not answer any further calls of concern from me. Can you please further investigate this matter. Thank You

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 2023-05-03 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: CA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.I demanding immediately deletion of this in accurate fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 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: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.I demanding immediately deletion of this in accurate fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I got a derogatory notice from a collection company reported to my without even being contacted in writing about a debt.

I can't write a letter of dispute to a collection company when I never received a letter or notice of collection.

I never got a 30/60/90 day collection letter.

I never got a chance to dispute the collection before this was reported to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 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: OH

Complaint narrative:
Late payment on my account is inaccurate made all my payments on time

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 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo has opened several fraudulent bank accounts in my name wells Fargo is answering only two only two the account ending in XXXX and XXXX. However Wells Fargo opened an account ending in XXXX that they have refused to send me any statements or any information concerning this account I recently spoke to a Wells Fargo representative who was answering to the fraud that took place on the other account at that time. The representative informed me that the account ended in XXXX was a legitimate account I said to the agent send me the statements from XXXX because that account was not legitimate The agent told me that she could not send me information concerning XXXX until there had been an investigation. However, according to her conversation she had informed consumer protection bureau that they were answering to my complaints concerning the other accounts today an email from Wells Fargo answering to every other account except the one ended in XXXX. Consequently, the email made reference to the account that I said was fraudulent that we had spoke about on yesterday. That was not the account that we spoke about. We spoke about the account ending in XXXX and account in which Wells Fargo refused to send any statements or acknowledge that that account was in my name only on the phone did the representative say we didn't send information about XXXX because the consumer only reported the account ended in XXXX to CFPB. I wanr to inform you that I need Wells Fargo to reply to my request to receive statements from account in it in XXXX This is the account that someone had opened and was sending monies to someone at XXXX XXXX and XXXX XXXX  XXXX and other utilities in the city of XXXX AL. This this is also the account in which I was told {$80000.00} a day could be drawn from that account. I need Wells Fargo to provide a statement concerning the checks that were cashed through this account and all the monies that were paid out from the account ending in 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 2023-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This is a fake account. This company first called me in early XXXX claiming that I had owed money to XXXX from a debt at an address I haven't lived at since XXXX. They claimed that the debt was from XXXX. 

When I told them what address I am currently at, they then updated this fake collections account with my new address. 

During the call, I explained to them that not only can I prove I had XXXX XXXX XXXX XXXX internet during the time period they claimed, but that XXXX isn't even offered in the area I am in. As soon as they heard that, they suddenly hung up the phone, but I am outright shocked that they were dumb enough to put this fraudulent, fake collections account on 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 2023-05-03 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: GA

Complaint narrative:
I submitted a complaint last XX/XX/XXXX and it was closed immediately. I submitted a complain again last XX/XX/XXXX and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. How can CFPB closed this complaint and said it has already processed earlier complaints about my problem. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue. ''

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: CA

Complaint narrative:
When monitoring my credit I noticed that a new collections was put on to my credit report. The Collection Agencies name is Vance and Huffman LLC in the amount of {$4600.00}. The original creditor was XXXX XXXX XXXX. This debt was found not to be mine and a result of fraudulent action. This debt was owned by a different collection agency and was removed from my credit report because it was not mine and now this new collection agency has wrongfully put it on my credit report. This is not my debt and needs to be removed from all three of my credit reports ASAP. This collection agency is in the wrong and needs to remove this collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Frontline Asset Strategies, LLC
State: PA

Complaint narrative:
I have no kowdeldge of this account I have never done any business with this creditor. Please remove this account from my consumer report per to failing to comply with 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: NJ

Complaint narrative:
I submitted a complaint last XX/XX/XXXX and the companies responded. Some items got deleted but some are still reporting. I submitted a complain again last XX/XX/XXXX and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: NC

Complaint narrative:
I was denied for debt to income but previously was approved when my debt was higher. He was rude and didnt even contact me. His name is : 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 explanation