vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Mercury Technologies, Inc.

Complaint narrative:
I made an online purchase from XXXX XXXX XXXX XXXX and transferred XXXXXXXX XXXX = XXXXXXXX XXXX  from XXXX XXXX app to XXXX Mercury account holder ( XXXXXXXX XXXX XXXX XXXX ) using international money transfer option on XX/XX/XXXX. XXXX confirmed that the money was received by the recipient bank on XX/XX/XXXX. Since then the money has not been cleared and deposited to recipient bank account. 

My online order will be cancelled if the recipient don't receive the money in time and it's been almost 4 weeks that I don't have any resolution on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Dispute Regarding Inaccurate Debt Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute the presence of a debt on my credit report, which has been reported by a third-party collection agency listed on my report. I would like to clarify that I do not have any contractual agreement with the said collection agency, and therefore, I am not responsible for the alleged debt they are attempting to collect. The account is listed twice once under XXXX and another under debt collectors name as well. 

It is my understanding that the collection agency acquired this debt for a significantly reduced amount, often referred to as " pennies on the dollar. '' In doing so, they assumed the risk associated with the lack of a signed contract from me, the consumer. I believe it is unjust that I am being penalized for a debt that I do not owe, and it is negatively impacting my creditworthiness. 

I kindly request that you investigate this matter thoroughly and remove the disputed item from my credit report. As per the Fair Credit Reporting Act ( FCRA ), it is your obligation to ensure the accuracy of the information you report. In this case, the inclusion of the alleged debt is inaccurate and misleading, as I have never entered into any contractual agreement with the collection agency. 

Furthermore, I have taken the liberty of cc'ing the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) to assist in the resolution of this matter. I have been struggling with this issue since 2017, and despite my efforts, I have not been able to find a satisfactory solution. The negative impact caused by this inaccurate information being reported on my credit report is affecting my financial opportunities and overall well-being.

I urge you to take prompt action in investigating this dispute and rectifying the inaccuracies on my credit report. I expect to receive a written response from your office within the legally mandated 30-day period, informing me of the actions taken to address this matter.

Thank you for your attention to this dispute. I trust that you will handle this matter with the utmost professionalism and urgency it deserves.

Sincerely,

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 2023-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: KY

Complaint narrative:
Jefferson Capital Systems is reporting a XXXX XXXX account on my credit reports. I've NEVER had XXXX XXXX. You are liable for what you report and I will seek damages if it's not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
CareCredit never reached out to me until I found out it was in collections/charged off and I tried to get in touch with them. I couldn't provide any account information as i never had a physical card, unless there may have been one in app and I wouldn't have had access to that any longer. I paid in app and it was considered paid and I hadn't heard anything saying otherwise. No emails, letters in the mail, or attempts to reach me regarding this so called debt that was already paid in full and certainly not late. First and foremost this account from several years ago was already paid in full via the app within 2 months of receiving the dental work. I don't know where CareCredit gets off saying their information is valid. It's not. And also CareCredit not informing me of this " debt '' before marking it negative, is completely on them. I have reported the fraud to the bureaus, and I have my legal team ready to fight. Also I received very threatening calls on behalf of the company to get the funds. That is a violation of FDCPA. And I believe there are several other issues that this company went against the rules. This debt was supposedly already paid for by another party, and closed so not only did they charge me, and I paid but my credit score and reports have suffered tremendously because of this debt that is less than XXXX CareCredit will be hearing from my lawyers. They also removed this and re-added it to my credit report several times which I believe is illegal, despite being paid off by me then supposedly also some other company paid it off.

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 2023-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I detected that funds were being transferred out of my accounts without my authorization. Within XXXX hours of me learning this, I called Wells Fargo, reported the incident and reiterately indicated that the transfers were fraudulent and they have to be stopped immediately. Non the less, WF executed the transfers the next day, XX/XX/XXXX. Since then, I have been communicating with several bank 's departments but in all cases WF rejected my claims. I, and also the XXXX XXXX XXXX office, requested the transcript of the conversation we had with the WF agent on XXXX and it was never provided. 
The attached files detail and document all the steps I've taken to have WF respond positively to my claims, but to no avail. Since the last entry to the file above there were more interactions with the bank : XX/XX/XXXX Learned about WF Mediation Option. Applied for it and sent all documents t to the bank. 
XX/XX/XXXX WF Enterprise Concern Management Office rejected again my claim. 
XX/XX/XXXX Enterprise Concern Management Office, after my calling, offered to reopen the case. 
XX/XX/XXXX Letter from WF rejecting to participate in mediation. 
XX/XX/XXXX Enterprise Concern Management Office again rejected the claim. 

After I checked with a couple of attorneys specializing in banking matters from whom I learned that because of the relatively small of the funds involved they would not be able to take my case. I learned about your office and I'm sending this claim as last resource.

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
Consumer complaint received 2023-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
ok XXXX comenity bank. 
in XXXX or XXXX they announce that the credit card program would close. so I ordered quite a few things. well in XXXX I called XXXX and told them I wanted to return stuff cuz I could not use them so I sent XXXX items back XXXX XXXX XXXX cost over XXXX XXXX XXXX XXXX XXXX cost over XXXX XXXX XXXX XXXX cost XXXX XXXX XXXX XXXX cost XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX another XXXX XXXX total XXXX well XXXX delivered it back to them and they have NEVER CREDITED my account. 
then I had let them know about being in Louisiana during hurricane at end of XXXX. but again as they have done with my other cards refused to work with me. comenity no longer has XXXX  but yet I'm still paying on account. 

I have paid the payment every month XXXX and I dont know what they are doing with my payments. they aren't applying them to my account. 
in all accounts my credit score has dropped immensely due to comenkty Bank aka breadfinamcial is really messing up my credit. they closed everyone 's account approx in XXXX. 
so the limit that I should owe is roughly XXXX not XXXX like they said. they have charged me for late fees etc. plus they have messed up my credit. I have never been late with them for over 7 years but just today I saw on credit report they have reported me 30 days late There is no way

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: KY

Complaint narrative:
XXXX XXXXNetcredit is reporting an account that doesn't belong to me. I've NEVER applied for credit with them. Remove this immediately or I'll seek damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties.

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports Section 15 USC 1681A Late Payments Are Illegal!

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

These accounts are fraudulent and identity theft and need removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties.

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports Section 15 USC 1681A Late Payments Are Illegal!

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

These accounts are fraudulent and identity theft and need removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX and I'm filing a complaint against Equifax for violating the Fair Credit Reporting Act. I have shown Equifax an enormous amount of evidence that my identity was stolen and used to open fraudulent accounts. These accounts are negatively reporting on my credit report and hurting my chances of maintaining myself. Equifax claims they verified information or that the account does in fact belong to me but fails to show me any kind of proof. I, on the other hand, have submitted Identity theft reports from my local police AND an identity theft report from the FTC. Along with information that verifies my identity and have even sent Equifax proof that these accounts do not belong to me. For example, I sent Equifax a contract from one of the accounts 'XXXX  XXXX XXXX that I obtained from a customer service rep. In that original contract, the address and phone number that was used is not my address or phone number. I don't understand how Equifax can claim this account is verified and claims it investigated when there are inconsistencies such as this. 
Equifax is breaking the law and should be reprimanded immediately. 
Credit Reporting Agencies are supposed to report correct and verified information so not only are they not doing their job, they're breaking the law. 
Please see that they are dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The dentist stated the loan was denied for the implants. I never received any implants or services but was still charged. The account was closed but never removed from my credit. 

ComenityCBXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Debt Recovery Solutions, LLC
State: WI

Complaint narrative:
Notice to agent is notice to principal, notice to principal is notice to agent. 

After careful review of my consumer reports, I noticed an account on my report from DEBT RECOVERY SOLUTIONS account number : XXXX. 

I, XXXX XXXX, have not received any goods or services from this company ; nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and dob. As I know that only a contract/ signed agreement between DEBT RECOVERY SOLUTIONS and myself would make me legally bonded to any debt that they may claim. I am very certain that I have never provided any wet signature or provided any of my personal information to this company on any agreement. 

With that being said, had DEBT RECOVERY SOLUTIONS sent a Debt Validation Notice as they are lawfully required to per FDCPA ; I would have been able to rightfully dispute this account before they unlawfully caused extreme harm to my consumer reports. I am requesting that DEBT RECOVERY SOLUTIONS provides proof of delivery/receipt that they have sent a debt validation notice. I have never received any written or verbal communication as directed via FDCPA Law allowing me the proper opportunity to dispute this invalidated debt. 

Enclosed you will find an invoice requesting {$1000.00} per account that is unlawfully reported on my consumer report. If you can not provide proof of delivery to this address XXXX XXXX XXXX XXXX XXXX  XXXX, WI XXXX, prior to todays date XXXX, XXXX, 2023 I am entitled to compensation. Please be mindful that a certified documentation must be provided to prove that your company followed FDCPA laws. 

Consider this a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. Please remove this account off my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Have accounts where Ive been charged a lot of late payments when I been paying everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Despite providing a FTC Identity Theft Report, fraudulent inquiries were not removed from report. 
Unauthorized or Fraudulent Inquiry. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had purchaced item from Amazon.com. item came box damaged and the item was broken monitor. i had send it back to third party, it was received but never given credit. I had complained twice to Amazon, nothing was done. I had complained to Syncronicity credit card, i got nothing. I had filed again with credit card again. so far noth9ing is done. I have send credit card all info I just mentioned with receipts, which im forwarding to you. Please check it out and if anything is need more, if I have i will send you. Tnx

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
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting 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:
I attempted to file a dispute online but was blocked by the system. 
I am attaching proof of four inaccurate accounts from pages 3 and 4 of the XX/XX/XXXX XXXX report XXXX belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not me. I am submitting a copy of the first page of my XXXX  utility bill due XX/XX/XXXX showing that my name is XXXX XXXX and NOT XXXX XXXX XXXX. 
This particular complaint is for XXXX XXXX listed under page 4 of the attached XXXX report XXXX dated XX/XX/XXXX for XXXX XXXX XXXX XXXX The payment history shows okay for XX/XX/XXXX yet the last payment was supposedly made in XX/XX/XXXX which makes no sense. XXXX XXXX shows as closed in XX/XX/XXXX on page 6 of the XX/XX/XXXX Trans Union report XXXX but the same account shows as open in XX/XX/XXXX on page 4 of XXXX report XXXX dated XX/XX/XXXX for XXXX  XXXX XXXX XXXX 

This account was never properly verified and I need to know the names and phone numbers of the persons from both the credit bureau and the bank/ financial institution . I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and the financial institution ( s ). I have no records of signing with my wet signature to authorize the account. 
I never received the true invoices signed under penalty of perjury confirming that the Bank/ financial institution provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock.

Finally, I never received the accounting statements from the financial institution related to the account i.e. 1099 0ID, 1096, INC, PRC and 1099.

On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years.

According to 15 USC 1681 s-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.

As a result, this invalid/ inaccurate XXXX  account must be deleted INSTANTLY from all of the credit bureaus. Thank you for your cooperation.

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 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reported fraud on my credit report as there is a collection of {$390.00} on my account that is fraudulent. I have disputed this collection on all 3 credit bureaus multiple times along with the address associated with the account as it is not valid. This account has not been removed from my report. The fraudulent account that is being reported on my credit report is XXXX XXXX XXXX. I have not conducted any business with XXXX XXXX XXXX or XXXX XXXX. This account was opened on my report on XX/XX/2021. I would like to have this account removed from my credit report as it is fraud and possibly identity theft.

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