vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: OH

Complaint narrative:
I am writing to formally file a complaint against Midland Credit Management Inc. This company is trying to collect a debt on an old credit card for {$1700.00} the original creditor is XXXX XXXX XXXX. XXXX XXXX XXXX  charged off the account. 

Background The account in question was charged off by the creditor, which legally classifies the balance as canceled debt and, therefore, taxable income under the Internal Revenue Code ( IRC ) 6050P. According to this provision, creditors must issue a 1099-C form for canceled debts exceeding {$600.00}, allowing the debtor to report it as income to the IRS. However, I have not received a 1099-C for this account, which I have requested and still am waiting to receive a 1099-C from the original creditor. 

I have verbally and written the consumer Midland Credit Management Inc. that I refuse to pay the debt as well as to stop all communication through phone, mail, text, and email. The reporting of this account without the issuance of a 1099-C form is both misleading and a violation of my rights under federal law. Midland Credit Management Inc. inquired this debt and is now reporting it on my credit report, which is causing a negative impact. 

Ceasing communication Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1692c ( c ). 
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except.to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I submitted a letter to all three Credit reporting agencies regarding an account that is reporting inaccurately on my credit report on XXXX2024. 
The account payment history is inaccurately showing late payments. The account shows a history of on time payments then goes immediately to 120 day late payments, which is not possible or accurate. FCRA states that account are to be reported accurate. 
Experian is also reporting the payment status inaccurately, it should state Paid as agreed. 
Ive included the certified letters that were sent to the Credit Reporting agencies as well as the credit report for the account in question.

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 2024-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: MA

Complaint narrative:
Dear Sir : I have for several months maintained an account with Wise , Inc. which is operating in the United States.

I used this account to transfer a small monthly pension I am receiving from the XXXX to my account in the United States. On XX/XX/XXXX Wise abruptly closed my account without any reason and provided the attached letter saying they have the right to close the account and retain my money. I also had some business account from previous business I did with XXXX XXXX and XXXX. They have closed all accounts. 
XXXX XXXX XXXX  on Social security income and on this small pension from the XXXX, which I rely on to pay my bills and do not have any other income. It is incredulous, that a company is able to operate in the financial services in this State without any accountability. I have not and never did engage in money laundering or other fraud.

May I request your urgent assistance in recovering my pension funds still retained by them and take measures that they not hurt other residents in this way. 

Thanks and regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Unauthorized transactions occurred on my PayPal account. 

On XX/XX/year>2024, {$760.00} was transferred from my XXXX XXXX account to PayPal. 
On XX/XX/scrub>, 2024, {$760.00} was transferred to an unknown XXXX account ending in XXXX. 
On XX/XX/year>2024, {$400.00} in {$100.00} increments was transferred from my XXXX XXXX account to PayPal. 
On XX/XX/year>2024, {$400.00} was transferred to an unknown XXXX account ending in XXXX. 
On XX/XX/year>2024, {$2000.00} was transferred from my XXXX XXXX account to XXXX. 
On XX/XX/scrub> 2024, {$2000.00} was transferred to an unknown XXXX account ending in XXXX. 
On XX/XX/year>2024, {$1500.00} was attempted to be transferred from my XXXX XXXX account to PayPal. The transfer failed due to there being no money left in the XXXX XXXX account. 
On XX/XX/year>2024, {$1000.00} was attempted to be transferred from my XXXX XXXX account to PayPal. The transfer failed due to there being no money left in the XXXX XXXX account. 
On XX/XX/scrub> 2024, I received an email from XXXX XXXX stating my overdraft protection payment was due on XX/XX/year>2024. This is how I was made aware of these fraudulent transactions in PayPal. 
On XX/XX/scrub> 2024, I went to the XXXX XXXX office and filed a dispute on the unauthorized transactions. XXXX XXXX was able to reverse {$2400.00} of the unauthorized transactions because it was within the 60-day reversal period for an ACH transaction. XXXX  couldnt reverse the original {$760.00} transaction done on XX/XX/XXXX due to it being beyond the 60 days. 
I have disputed the {$3100.00} transaction with PayPal, and they are not willing to reverse the charges. 
Im also planning on filing a Police report so they can subpoena the XXXX account records to see who owns the XXXXaccount number that the money was transferred too. 
I really need some help. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

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

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

15 U.S.C 1681s-2 ( A ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Dear American Express I am writing regarding the account referenced below, which has been reported to my credit file or otherwise claimed to be owed by me. I request validation of this debt in accordance with Section 312 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Account Name/Number : XXXX : XXXX Original Creditor : XXXX XXXX I require the following information to verify the validity of this debt : 1. Validation of the Debt : Documentation demonstrating that I am legally obligated to pay this debt, including a copy of the original agreement or contract signed by me. 
XXXX. Details of the Account : A full accounting of the amount allegedly owed, including the original balance, all interest and fees applied, and the calculation used to arrive at the total amount. 
XXXX. Ownership Proof : Evidence that you are authorized to collect this debt. 
XXXX Credit Reporting Information : Details on how this account is being reported to credit bureaus, as required under Section 312 of the FCRA. 
In addition to the above, I am requesting clarification regarding any 1099-C ( Cancellation of Debt ) associated with this account : If the debt has been canceled or forgiven, please provide a copy of the IRS Form 1099-C issued for the cancellation of the debt. 
If no such cancellation has occurred, please state so explicitly in your response. 
Under the FCRA and FDCPA, you are required to ensure that all information you report is accurate and substantiated. Until I receive the requested validation and documentation, I request that you cease any collection activities, including reporting the debt to credit bureaus. 
Please consider this a formal dispute of the debt until sufficient evidence is provided. If you can not verify this debt within 30 days, you are required to remove it from my credit report and cease further collection efforts. 
I am requesting all correspondence and documentation to be sent to me at the address provided above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: AL

Complaint narrative:
Under 22 U.S.C. 7102 ( 11 ), or XXXX XXXX  under 22 U.S.C. 7102 ( 12 ). This situation makes me eligible for certain adverse credit information to be blocked according to 12 C.F.R. 1022.142.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

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

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

15 U.S.C 1681s-2 ( A ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

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

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

15 U.S.C 1681s-2 ( A ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
On XX/XX/year>2024, I discovered that my checking account had been compromised. There was a check deposited into my account in the amount of {$790.00}. I called Citibank customer service to report this. There was nothing done about it. The next morning XX/XX/year>2024 another check was deposited in the amount of {$2800.00}. Again nothing was done. It turns out that fraud was being committed. I've never deposited nor have I ever had deposited items returned. The goal was to deposits these XXXX checks, withdraw the funds and let the checks bounce. That is exactly was occurred. I received copies of the checks. It's obvious these checks were not deposited by me. Rather than assisting me Citibank closed my accounts and would let me get access. I reported this to the FBI and Oklahoma Police Dept. case # XXXX. I have spoken to Citibank customer service and fraud department several times. As of XXXX2024, I have no access to my checking, savings, credit card and investment accounts. No access to the funds in my accounts. I can't believe that Citibank doesn't back a customer complaint regarding fraud detected. They aren't cooperative and don't stand with their customers when fraud is detected. It has been a nightmare with my direct deposit from work and recurring payments. I need Citibank to make this right!!

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 2024-12-03 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: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U. S. C. 1681c-2 ) that you, The EQUIFAX reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card account opened at XXXX XXXX card on XX/XX/XXXX, and under account number XXXX, XXXX XXXX card account number XXXX, XXXX XXXX XXXX collection account XXXX XX/XX/XXXX, XXXX XXXX  XXXX personal loan account number XXXX opened XX/XX/XXXX. These accounts have resulted in several hard inquiries and fraudulent collections and charge-offs appearing on my FICO consumer credit report. The aforementioned accounts, collections, charge offs, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs, are a result of identity theft and fraud. I have attached a copy of my FTC identity theft report complaint # XXXX as proof of the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, charge offs, are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: IL

Complaint narrative:
Last XXXX week, checking my credit store I found a new opened account on XX/XX/year> from ELAN FIN SVCS/FIDELITY with a balance unpaid of {$1500.00} usd. 
The account number shown is XXXX. 
the report only has that information, account number, balance, an address XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX. ELAN FIN SVCS/FIDELITY as creditor and Credit card bank type. 
I have never opened an account with that bank or whatever it is. 
I'm very worry that I have been object of identity theft. 
I want this account closed and of course I am not going to pay that balance. 
please check my credit score to see that I try to be very responsible paying all my accounts. 
Please help me. 
I had to edit this section because I was asked about the billing mail address of that credit card but I have no idea which could it be. I have never received a bill by mail or by email.

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 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: VT

Complaint narrative:
On XX/XX/XXXX, I purchased goods from XXXX totaling {$520.00}, including a glass reptile tank and a ceramic heater. Initially, the items appeared functional, but upon use, they became damaged and unusable. The glass reptile tank cracked during normal use, and the ceramic heater developed damage, making both items unsafe along with the small accessories inside and of what was cheap quality which I made to XXXX clear I was uninterested in. 

According to XXXX return policy : Our return policy is simple if you are not 100 % satisfied with your purchase, you can return it to any of our XXXX or XXXX  XXXX  XXXX stores or to one of our XXXX warehouses within 60 days of purchase. 

However, due to the hazardous condition of these items, I was unable to return them in-store or by mail. I contacted XXXX for a refund, but they refused to issue one. 

I subsequently filed a dispute with Citibank, which was closed on XX/XX/XXXX after I missed an email requesting additional documentation due to a notification failure in their app. Despite providing the necessary details later, Citibank declined to reopen the case. 

XXXX ( Case # XXXX ) acknowledged my concerns but only offered replacements or store credit, which I declined as I no longer trust the quality of their products. Given the unusable condition of the items and the circumstances, I believe I am entitled to a full refund. 

I have made every effort to resolve this issue with both XXXX and Citibank and request further assistance to obtain the refund I am owed.

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