vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in XXXX  that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b When I signed up for student loans I signed a privacy act form that said the school would not provide transaction history ( the amount owe being disclosed on my consumer report falls under transaction history ) to any third party companies. EXPERIAN and XXXX are third party companies.

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 2024-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to express my dissatisfaction and concern regarding the recent cancellation of my XXXX XXXX XXXX account repayment account by Wells Fargo Bank . This action was taken without my consent or notification, and it has caused significant inconvenience and disruption to my financial affairs. 

I opened the XXXX XXXX XXXX account with the intention of managing my finances efficiently and securely. However, Wells Fargos unilateral decision to cancel this account has undermined my trust in their services and has left me without a reliable means of managing my savings. 

I strongly urge Wells Fargo Bank to rectify this situation immediately by reinstating my XXXX XXXX XXXX  account repayment account without any further delay. Additionally, I request a formal explanation for the unjustified cancellation of my account and assurances that such actions will not occur in the future. 

Failure to address this matter promptly and satisfactorily will compel me to explore alternative banking options and pursue appropriate recourse to seek compensation for the inconvenience caused. 

Thank you for your attention to this matter. I look forward to a swift resolution of this issue. 

Sincerely, 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 2024-04-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
This company is calling and harassing me and family member about this debt that I do owe and calling my kids number anyone that is attached to me. 

Amount XXXX-NCA Collections

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MT

Complaint narrative:
I have received two notices from ProCollect regarding {$200.00} owed to creditor : XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

I have never lived in XXXX, or have in any way been affiliated with this company.

I called ProCollect and they asked me for my social security number, which I was unwilling to provide because I didn't know if this was fraudulent or a scam. I was further fearful of providing information as the agent that I spoke with was very rude and unprofessional. 

The letter states that my credit score will be impaired if I do not pay the debt, but I am certain that it does not belong to me as I have only ever resided in the states of XXXX  and 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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aqua Finance, Inc.
State: DC

Complaint narrative:
I opened the account for new doors through XXXX XXXX XXXX who secured the loan for the doors. I began paying on the loan monthly and scheduled via automatic Payments from my XXXX XXXX XXXX Account and I never missed a payment. My experian credit report shows my Aqua Finance Account is delinquent past 30+ days which is incorrect reporting on my credit report. I reached out to Aqua Finance and they said my account was in Good Standing and no delinquent Payments were on my account with Aqua Finance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
The company MIDLAND CREDIT MANAGEMENT did not give me the opportunity to dispute. I did not receive enough information to dispute regarding this debt. They are in violation of the Fair Debt Collection Practices Act 15 USC 1692C and 15 USC 1692d ( 1 ). Remove this account immediately from all of my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-04-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I WAS DENIED AN EXTENSION OF MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Recently, I was home shopping and when I reviewed my credit report, I noticed that a company has furnished my credit report with false allegations. The company Resurgent/LVNV Funding LLC as written on my credit report is requesting collection of a debt, I have never had any transaction history with before or knowledge of. The account does not belong to me and has never belong to me at any point. According to 15 USC 1962 validation of debt and 15 USC 1681, I must be provided with the original copy of this alleged debt. However, I have not been provided with this information even after sending multiple requests for the debt to be verified. Therefore, this information must be deleted off of my credit report or I will be seeking up to XXXX in damages for defamation, negligent enablement of identity fraud, and violation of the fair credit reporting act and fair debt collection practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This is improper use of my credit report with inaccurate information. 

In accordance with the Fair Credit Reporting Act ( XXXX XXXX with credit cards ending XXXXXXXX XXXX XXXX XXXX XXXX  card ending in XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ending in XXXX, XXXX XXXX XXXX XXXX ending in XXXX XXXX  XXXX XXXX credit card ending in XXXX. All of these companies has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I applied in good faith for the SAMS CLUB business Mastercard. After good faith application had been summited received not one but TWO hard inquiries on my personal consumer credit report through XXXX then received a denial notice. If any portion of this application under the Application ID : XXXX or XXXX has been securitized as a asset backed note under securities act of 1934, within the Synchrony Bank SEC filled Prospectus, 10-K forms,8-k Forms and or other SEC filings. we demand credit line issued and open ended under the name of applicant. we submit this for remedy as pre arbitration notice as holder of the contract. please review for violations per Equal Credit Opportunity Act ( ECOA ), 15 U.S. Code 1691. we wish for this matter to be resolved matter privately before we pursue further action.

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/year> I received 2 inquiries from Capital One and I have never applied for any credit cards or auto loans through them. They couldnt even produce an application showing I applied with my correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Companies are running my credit and leaving a lot of hard inquiries I did not authorize which is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I also respectfully requested to be provided proof of the alleged items pacifically proof, that these payments were in fact late by the provision of the consumer protection law I demand, if unable to do so, or backing proof that these payments being late to update my payment status as XXXX paid as agreed never late and supply a corrected credit profile any creditor who has requested the access to my credit profile in the last 6 months

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 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: IL

Complaint narrative:
I also respectfully requested to be provided proof of the alleged items pacifically proof, that these payments were in fact late by the provision of the consumer protection law I demand, if unable to do so, or backing proof that these payments being late to update my payment status as XXXX paid as agreed never late and supply a corrected credit profile any creditor who has requested the access to my credit profile in the last 6 months

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 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2022 I received 2 inquiries from Capital One and I have never applied for any credit cards or auto loans through them. They couldnt even produce an application showing I applied with my correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I WAS DENIED CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I XXXX XXXX received a copy of my report, I have recently disputed XXXX XXXX XXXX through CFPB Acc number XXXX. XXXX deleted the inaccurate information on my report. Transition and XXXX is still reporting this inaccuracy.

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 2024-04-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-04-07 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: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-04-07 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: TX

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Why are credit card companies allowed to charge interest on interest that was accrued? I paid off balance on credit card was charged interest on paid balance. Paid the interest and min. balance for month of XXXX. Paid off full balance in XXXX then was charged interest. Asked if I would be charged interest on balance that was already interest. XXXX ( XXXX ) who is a " Senior Accountant Supervisor '' said interest accues on balance, but balance was already paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-07 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: CBC Companies, Inc.
State: GA

Complaint narrative:
Companies are running my credit without my authorization, leaving hard inquiries which is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the validity of a debt that Fair Collections & Outs has reported to my credit report. According to the information provided on my credit report, Fair Collections & Outs has claimed that I owe a debt in the amount of {$16000.00} to the original creditor, XXXX XXXX. However, I have reason to believe that this debt is inaccurate and should not be reflected on my credit report. 

Upon reviewing the entry for this alleged debt, I have not been provided with sufficient evidence or documentation to verify its validity. Despite numerous attempts to obtain validation of the debt from Fair Collections & Outs, I have not received any documentation that establishes my liability for the debt in question. 

Therefore, I am formally disputing the validity of this debt and requesting that Fair Collections & Outs provide me with the following information to verify its accuracy : Documentation showing the original creditor, XXXX XXXX, and the account number associated with the alleged debt. 
Itemized statements detailing the charges, dates, and nature of the transactions that purportedly resulted in the debt. 
Any contracts, agreements, or other legal documents that establish my liability for the debt. 
I understand that under the Fair Debt Collection Practices Act ( FDCPA ), Fair Collections & Outs is required to provide me with verification of the debt upon my request. Failure to provide this information will result in a violation of my rights as a consumer. 

In the meantime, I request that Fair Collections & Outs cease all collection activity on this alleged debt until such time as they have provided me with the requested evidence and I have had an opportunity to review it. 

I have enclosed a copy of my credit report, highlighting the entry for the alleged debt reported by Fair Collections & Outs, for your reference. I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and ensure that my rights as a consumer are protected. 

Thank you for your attention to this dispute. I look forward to receiving a prompt response and resolution to this matter.

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