vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-12 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: NY

Complaint narrative:
I have received a copy of my credit report and noticed that there is information reporting to my credit that does not belong to me. The following information listed in this report I have no relation to. This has hindered me to be able to build a good credit profile. Under FCRA 605B I am requesting that this information is removed from my credit report within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any original documentation stating that I owe a debt to these creditor. Failure to comply will result in a litigation process against all parties involved including any agency reporting fraudulent information to my credit profile. 

The following information is fraudulent. 

XXXX XXXX XXXX Balance {$4300.00} XXXX XXXX XXXX Balance {$520.00} Inquiries : XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Resident Verify XXXX/XXXX/XXXX Resident Verify XX/XX/XXXX Please Mail all correspondance to XXXX XXXX Pl XXXX XXXX NC 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 2021-10-12 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: NY

Complaint narrative:
I have received a copy of my credit report and noticed that there is information reporting to my credit that does not belong to me. The following information listed in this report I have no relation to. This has hindered me to be able to build a good credit profile. Under FCRA 605B I am requesting that this information is removed from my credit report within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any original documentation stating that I owe a debt to these creditor. Failure to comply will result in a litigation process against all parties involved including any agency reporting fraudulent information to my credit profile. 

The following information is fraudulent. 

XXXX XXXX XXXX Balance {$4300.00} XXXX  XXXX  XXXX Balance {$520.00} Inquiries : XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Resident Verify XXXX/XXXX/XXXX Resident Verify XX/XX/XXXX Please Mail all correspondance to XXXX XXXX Pl XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
PENTAGON FCU Contact XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$10000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

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 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SF VAGO, LLC
State: FL

Complaint narrative:
EMVLP, LLC

Contact XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX


HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXXXXXX  THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: MN

Complaint narrative:
Name of the product or service involved. 
XXXX XXXX ticket / Cash App purchase The dollar amount in dispute. 
XX/XX/XXXX at XXXX XXXX Captured {$240.00} XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX at XXXX XXXX Captured {$28.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Captured {$10.00} XXXX XXXX Identify your attempts to resolve the issue ( s ) with the company, corporation, or organization. 
XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: AL

Complaint narrative:
I am a victim of Identity Theft and Fraud. I have contacted Transunion, XXXX, and XXXX more than 90 days ago to inform them that I am a victim of Identity Theft/Fraud, yet each refuses to remove the accounts that were created due to Identity Theft/Fraud. According to FCRA, all accounts created as a result of identity theft/fraud are to be removed from credit reports IMMEDIATELY! 

I have filed several incident and police reports to bring this to the attention of local authorities as well as to the creditors, yet the Credit Bureaus continue to make false claims that the accounts in question have been verified. This is impossible because the accounts are not valid and were opened due to Identity Theft. All instances of the following accounts which are referenced on the police reports and FTC reports, should be DELETED IMMEDIATELY FROM MY CREDIT REPORTS : XXXX XXXX XXXX XXXX - {$24000.00} XXXX XXXX XXXX - {$17000.00} XXXX XXXX XXXX - {$260.00} XXXX XXXX Card - {$2000.00} Furthermore, the following accounts have been compromised and fraudulent charges that I do not recognize have been added to my balance, creating an adverse affect that has been damaging to me : XXXX XXXX - {$600.00} In addition, The following Inquiries are also the result of Identity theft and should be DELETED IMMEDIATELY, below are the Inquiry Creditors and the corresponding date of each inquiry : XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX  - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX  - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX Card - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX, XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX  - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX1 ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX  - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; I can not wait another day for these accounts to be removed !

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 2021-10-12 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: NETWORK CAPITAL FUNDING CORP
State: TX

Complaint narrative:
A person by the name of XXXX XXXX XXXX at Network Capital called me today offering to do a loan for my home. I told them I was not interested in doing this now, but would be at the end of the month. He asked about my income, and there was some issue with using commissions as income until I worked for 2 years. He said that I need to make more money than I am currently making and that he was going to see what he could do about counting the commissions as income now. I specifically told him that I have no problem waiting for another year. He then asked for my information which I gave to him. The next step I was expecting was a call back letting me know if there was a way to use the commissions as income now instead of having to wait a year.Instead he had performed a credit inquiry using the information I gave him without my authorization. 

I immediately called him to ask him why he performed a hard inquiry without my authorization. I did not authorize him to pull my credit. He never specifically asked me if I would authorize the inquiry. He did tell me that the entire session was recorded, and when I gave him my social security number that in itself gave him authorization. I dispute this. I did NOT give him authorization.

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 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA FSB Contact XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$140000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I recently noticed that XXXX aka XXXX XXXX solutions has reported 2 erroneous collections on my credit report under act # XXXX aka XXXX and XXXX. My numerous attempts to resolve it with the collection company backfired and now I am being harassed not only at home but at work, and with relatives ... they have sent me " validation of debt '' claiming it was from CNU a California regulated loan company and enclosed a contract NOT signed by me reflecting interest charge of 357.84 %.. I first do NOT recognize this contract, did NOT sign this contract, and do NOT believe in the state of CA no company can charge more than 10 % interest rate... 
XXXX is refusing to remove these accounts from my report. Threatening to garnish my wages and to arrest me. How is this ok to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: CO

Complaint narrative:
I sent XXXX, Equifax & XXXX a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries & the METHOD OF VERIFICATION to be sent to me ( FTC ID Theft Report # XXXX & proof of service attached ). These FTC ID Theft Reports and requests for validation and Methods Of Validation were received on XX/XX/2021, XX/XX/2021 & XX/XX/2021 ( proof of service attached ). As of today XX/XX/2021, I have not received any proof of validation nor any written Method Of Verification from XXXX, Equifax nor XXXX. This is in violation of my consumer rights under Section 611 ( a ) ( 6 ) and ( 7 ) of the FCRA. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX, I received a printed advertisement via US Postal Mail from Fifth Third bank advertising a {$250.00} checking bonus when opening a new XXXX Checking account and making direct deposits totaling {$1000.00} within 60 days of account opening. 

I opened a XXXX  Checking account online via XXXX on XX/XX/XXXX and made a direct deposit of {$1000.00} on XX/XX/XXXX, thus meeting the criteria for the {$250.00} checking bonus. 

I contacted Fifth Third customer service via phone on XXXX to inquire as to when I would receive the {$250.00} bonus, however the customer service representative that I spoke with said she was unfamiliar with this promotion and " did not see any promotions on ( my ) account ''. I read her the offer code printed on the mailer I received ( XXXX ) and she was then able to verify the promotion and advised that there was a glitch in their system, but that I would receive the {$250.00} bonus by XXXX. 

On XXXX, I had not received the {$250.00} bonus so I contacted Fifth Third customer service again, this time via online chat. The representative again told me that they did not see any promotions on my account. I explained that I had already spoken to customer service and determined that there was some sort of glitch in the system, however the customer service rep told me that since the promotion was not " showing on ( my ) account '' there was nothing they could do. 

On XX/XX/XXXX, I contacted Fifth Third customer service by phone again. This time, the customer service agent told me that I would need to visit a Fifth Third branch for additional support. I do all my banking online, opened the account online, and visiting a Fifth Third branch would be inconvenient and I do not wish to pursue that option.

I assert that I have met all conditions of the offer Fifth Third sent to me, however by not paying the advertised new account bonus, Fifth Third Bank has failed to honor the terms of the offer they sent to me via US Mail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, 2021 I found out my Wells Fargo Business Savings was debit {$1700.00} for a XXXX payment with a name XXXX XXXX. I check my Wells Fargo Business Checking account online regularly. Since I don't use the Business Savings Account I did not pay attention to its transaction activity as often as my Business Checking account. I do not recognize this large withdrawal and I don't know this personal either ; so I called Wells Fargo customer services service line right away. At first a Rep. told me it takes about 10 days for them to do the investigation. After 18 days I called again customer service rep. told me my dispute denied because I have to report the unauthorized transaction with 3 days and I need to contact XXXX credit card directly. I scheduled an in-person appointment at Wells Fargo XXXX XXXX office . The banker at that location told me I have to report the dispute within 24 hours after the transaction debited my account and she was not able to help me at all. I called the bank customer service line again finally I got a processing number for this payment. I called XXXX Credit Card but they told me my bank has to contact them for this kind of fraud issue. I had to ask for a supervisor in order for me to get some help. XXXX is the supervisor at XXXX Credit Card Dept. he didn't believe me when I said Wells Fargo could not help me at all. We did a three-way calling with Wells Fargo ; after the call he understood the frustration I had to go through and promised me he will try to help me. So far I still have not heard anything from anyone. I don't have a XXXX credit card.

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 2021-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I have an old debt and the found I started working and started a garnishment. I am like " ok they taking an small monthly amount so is ok this will be paid and removed from my credit '' So now months later I check XXXX more closely and see they are $ XXXX over what my credit score reports... Now I go to the website of collection and the have reported I paid them {$400.00} over what is in my credit score but they say I still owe {$880.00} more and they can't do anything because a third company is handling my account and they closed the chat! 
I called the second collection agency XXXX XXXX XXXX XXXX and logged in my account with them but they refuse to talk just put me on hold for hours! 
Numbers : XXXX : {$1300.00} XXXX XXXX : already collected {$1600.00} say {$880.00} remind to be paid. 

Money garnished already in my statements : {$1800.00} XXXX XXXX XXXX XXXX XXXX website : no payment is recorded in their website!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX of XXXX, my main source of income went bankrupt due to COVID. I was able to pretty much stay afloat until late fall XXXX and early spring XXXX, when I ran into a bit of trouble. Id applied for a second PPP loan, which was delayed by at least four months. I expected it to arrive within a few weeks, like the first loan did. So I experienced a hiccup in income.

I contacted you CapitalOne and asked if there might be any payment arrangements that could be made due to COVID, and thankfully, CapitalOne very graciously worked with me. I got back on track.

I recently looked at my credit report and was shocked to see that my account was reported as late earlier this year for two months. These are the months when I believe Id communicated a payment arrangement. At no time did any representative indicate that adverse credit reports would accompany the COVID relief that Capital One provided. This feels very fraudulent. You can't offer someone help and not tell them that the account will be simultaneously reported to the credit bureaus. If I'd known this, I would not have accepted the offer of help, especially because I was being responsible! 

I wrote to CapitalOne directly to request the same action, but got back a form letter that just said, " the information is correct ''. 

I believe that Ive paid my account on time for XXXX percent of the 17 years that Ive been a Capital One customer. I even set up autopay to ensure that I always made my payments. If Ive ever had any other hiccups, its only because I changed my debit card and simply had to update the card on the autopay arrangement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12 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: DISCOVER BANK
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Discover Financial. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$22000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
After reviewing my credit I noticed Caine & Weiner placed a collection on my credit. I sent in a debt validation letter on XX/XX/XXXX, immediately after noticing the collection. The letter sent clearly states the timeline in which they are required to respond, as per the Fair Debt Collections Practices Act. I followed up on XX/XX/XXXX, with a letter notifying them of their nonresponse and their responsibility to comply with the law regarding collections. Caine & Weiner is now in violation of the FDCPA rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX QUE XXXX XXXX XXXX DE XXXX XXXX XXXX MI XXXX DE XXXX XXXX XXXX FAVOR XXXX XXXX LA XXXX QUE XXXX AN XXXX XXXX MI XXXX DE XXXX DE 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 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
FORD MOTOR CREDIT XXXX XXXX XXXX XXXX NE XXXX


HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
In 2014 i attended school here. During this time they were doing just like XXXX XXXX was i imput my information and the " loan advisor '' made sure i had the " appropriate '' amount of money for tuition. 
I was not given a credit hour cost they took out tge max they could to cover the tuition. 
This place did predatory lending to maximize there profits. And this needs to be addressed. As the amount need for the degree was way over the wage limit.

Company response to consumer: Closed with explanation