vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Dates on my report do not make sense. The dates of payments are not true. All 3 bureaus are reporting different information. I also had gap Insurance.it paid The remainder Off. I disputed and it came back unchanged. received a credit account for the {$30000.00} from Ally. My reports say it was a loan. It was not a loan. That is not a true representation of the true agreement. 
The collection creditor constantly calls and sends letters I never agreed upon. Especially because Gap insurance payed balance. 


Ally financial 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 2021-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown INQUIRIES on my credit report according to FCRA 51 USC 1681b ( 3 ) ( a ) I do not have any credit with these companies and have no knowledge of these INQUIRES, and to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes Section 611 ( a ) it is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those Items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by EQUIFAX DATA BREACH and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: MN

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Capital Enterprises, Inc.
State: CA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX/XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX/XXXX XXXX XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
on ( XX/XX/2021 around XXXX XXXX XXXX time ) I XXXX a search for XXXX customer service number to start a claim for some faulty product I purchased. When I got the result a number popped up.I dailies it. Ot knowing it was a hacker or scammer.I told this person what happened with XXXX.An unawareingly accepted his new policy of using my bank info to transfer a refund.He took me though alot of links and assured me that this is how they pay you back on XXXX.Since I had never been hacked and XXXX is such a trusted company.I followed all his instructions and proceeded to transfer {$500.00} to this crook because the way he explained it.I needed to transfer to this account to get my full refund.I never fall prey to this stuff but since he was skilled in rebuttles and it was XXXX I had used over 10 years.I did it.I kept asking him why do I need to transfer that amount.He assured me it wasn't really $ XXXX.Its to make sure I have money to send my refund.Then he told me to download this app on my phone.I since then learned it's a stalker spy app that let 's him see my entire phone.Now he's telling me my XXXX info so once again I was assured it was XXXX.He was smoothe. Eventually after sending the {$500.00} I got weary and demanded to speak with a supervisor and he said '' XXXX XXXX  '' twice..that 's when I realized I had to hurry off the phone an call Wells Fargo.I filed a aim that second and froze my accounts. The reason I am contacting you is as you know.Wells Fargo.The crooks that they are.Have a policy.They deny all claims of authorized transactions. No matter how elaborate or new the scam was.The claims rep told me that that identical scam had happened twice already that day to other customers.I waited 10 days and knowing they would deny me.I searched for another course of action.And found you all.Mamy people have gotten their hard earned money back because of the CFPB.I find it utterly offensive that Wells Fargo is the only bank that has this policy. Especially for special circumstances. In my case.a hacker hacked into XXXX  server or XXXX.i never met this person..they may be in XXXX..and I didn't recieve any merchandise. So it's clear as day this was a scam.I don't send random people.money ever.Now if this happened to me twice.I would understand but I think they should honor a valued customer. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
( Attaching documentation and proof of the > 30 day response time/lack of furnishing to me an updated credit report, as required by the FCRA ) Was examining my XXXX  credit report and notice a number of collection agent accounts that are unenforceable/not legal debts ( pursuant to the reasons I listed in my correspondence with XXXX. ) The results of my efforts : -No investigation was waged -No updated credit report/fact finding were mailed to me -The trade lines were not removed/still on my credit report This situation violated both the FCRA and FDCPA , on multiple points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a complaint to this company regarding a separate issue and now for some reason after i submitted the dispute against XXXX XXXX XXXX now you guys and Experian started mixing and blending my uncles name and mine. My name is XXXX XXXX XXXX my uncle is XXXX XXXX as you can see two very different names but now because of the complaint I filed they are now messing my name up with someone elses.. Why??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06 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: GA

Complaint narrative:
I was examining my EQUIFAX credit report and noted a number of unenforceable/illegal collection agency trade lines from a company called XXXX. I've attached proof of date of delivery and the correspondence I sent EQUIFAX. 

-They never investigated the issue -They did not validate/verified anything -They did not respond within 30 days ; therefore, pursuant to the FCRA, ALL of these line items must be removed from my credit report. 

This situation violates both the FCRA and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: IN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
My tax refund for my XXXX federal taxes was deposited into someone elses account on XX/XX/XXXX. I bank with XXXX XXXX, my refund went into a TCF Bank account- not in my name. 
I gave contacted the Irs, several occasions, most recent time was in XX/XX/XXXX, stating that they requested the money back from TCF, with a 90 day window to respond. TCF never responded. IRS at this point tells me I have to go and deal with the bank directly. 
Before I contacted the IRS in XXXX, the IRS completed a money tracing, I got a letter stating the account and institution that the l mi bet was deposited, it was aTCF bank. I went in to local TCF branch, bank manager confirmed that my refund was indeed deposited into the account the Irs sent. He stated that someone at the bank had made a mistake clearing this refund into an account not matching the refund name and social security #. He took copies of all the documentation as well as my personal information, stated that it would be submitted to the fraud department. No one ever contacted me.

Again, I just contacted the Fraud department at TCF, spend about 2 hours on the phone with them, first person I spoke with confirmed the deposit, however stated that the bank couldnt do anything for me since I was not a client. Advised to called IRS again. I asked to be transferred to someone else, again the transaction was verified, I was told that the would be able to submit a refund request from that account, he placed my call on hold and came back to the line and stated that he was incorrect that I have to have a 3 way with the IRS for them ( irs ) to confirm it was my deposit. 
This has been going for about a year, I keep going by what the IRS is telling me, at this point I am extremely frustrated and dont know where else to turn, this refund was a little over {$4000.00}. 
I need help!! 

Ps I have filed a police report as well. It is still pending investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I paid off an account early that required two payments/month, and at the same time a major legal debt filing came off of my record ( it has been 10 years ).

Experian reduced my credit score 33 points. I am XXXX years old, and I am single, and despite Covid I have been doing all that I can to try to pay off debts even when my work was shut down SEVERAL times, and here I now have a lower score after I paid off an account???!!!! And a HUGE legal filing related to an ended marriage came off??? 

I ASKED EXPERIAN TO REVIEW THIS AND I EXPRESSED THAT THIS IS EGREGIOUS. 

It's like they want to keep us back and hold us down. 

Last year, a credit card reduced my limit to what I owed because I was not using it, and Experian dinged me for that and said that I had maxxed out the account!!! AND THAT WAS A LIE!!! 

I XXXX  and there are apparently over 150,000 complaints in this database against Experian. When is the government going to stop their selfish and pernicious behavior??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation