vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 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: I.C. System, Inc.
State: MD

Complaint narrative:
I.C. System, Inc. 
XXXX XXXX  XXXX XXXX, XXXX XXXX, MN XXXX NOTICE TO CEASE AND DESIST ACCOUNT : XXXX Original Creditor XXXX XXXX XXXX You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law.

Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report.

Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency.

IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, 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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, please see documents attached for more details. I hope you can help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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 did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Main Resolution Group
State: AL

Complaint narrative:
Main resolution mediation continues to call my minor children 's phones and my phone threatening to arrest me etc for a debt. They won't verify the debt and when I call to ask, they hang up on me. They are leaving voicemails on my kids and families phones with my personal info and threatening to come to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Commencing on or about XXXX XX/XX/year>, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm ( s )

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 2024-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
I have been battling phh mortgage for years they keep hitting me with fees and reject every payment I send I have used bill pay my bank they hang up the phone without any resolution everything I talk to somebody I get a different answer they XXXX XXXX XXXX because of the covid pandemic and I have tried to catch up the balance several times and now I can't get them to take my money while adding fees daily this company is a fraud 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 2024-02-22 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: CA

Complaint narrative:
The company changed the account status to charge-off back in XXXX of 2019. The credit bureau keeps updating every month saying that the account is 90 days late but in a charge-off that is not a valid status or reporting. The account is 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 non-monetary relief
Consumer complaint received 2024-02-22 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: CA

Complaint narrative:
The company changed the account status to charge-off back in XXXX of 2019. The credit bureau keeps updating every month saying that the account is 90 days late but in a charge-off that is not a valid status or reporting. The account is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: NC

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. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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 an 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 ) ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: NC

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. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. 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 an 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 ) ( 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.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello, please see documents attached for more details. I hope you can help me.

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 2024-02-22 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: TX

Complaint narrative:
Companies continue to violate the consumer protection act I'm an XXXX  man and these harms and willfully knowingly and gross negligence has caused tremendous harm these items need to be removed or correct to reflect non adverse and non derogatory remarks on my consumer report and these companies need sanctions and injunctions and ordered relief urgently as this is an emergency restraint of trade breach of fiduciary duties as well as anti trust violations!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MO

Complaint narrative:
Dates being reported to my credit bureaus are inaccurate, Would like it deleted off my credit report since its reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
We have Mastercard credit card with Capital One. Even though we have paid in full and on time, in the past two months we have been charged a fee for interest for late payment. In each of those billing periods, full payment was mailed at our local XXXX XXXX XXXX or more days prior to the due date. It is simply not possible or credible that our payment checks would take more than 10 days to go from XXXX XXXX to XXXX XXXX, XXXX.It is most likely that the payment is received by Capital One and is not immediately deposited. There is no other logical reason for this to repeatedly occur.

We have been stone-walled by Capital One and are at the point where we expect to cancel our credit card with them because of their extremely poor customer service.

We have paid on time and in full and should not have interest assessed against us, especially since no late fee was assessed for the purportedly-late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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:
I have a joint checking account with my sister at Well Fargo, I am the primary account holder. My sister was scammed on XX/XX/XXXX and {$2800.00} was taken from our joint. I called the bank and asked why I was not informed that someone was transferring funds from my account and was told they only needed one person on the account to confirm. I was under the assumption that both parties would need to allow the transfer. Thank you.

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 2024-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
The conpany is a fraud trying to get the debt and i belive how many peopke have fallen in to this tactics. The company name is JEFFERSON CAPITAL SYS. I dont recognize this company where i owed a money and its only {$180.00}. I could have paid just to avoid any reporting. I personally felt i have to report this issue and company information so that they can be shutdown. Plzzz do something about coz many people are having this issue and ahould be stopped. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: FL

Complaint narrative:
XXXX, XXXX, XXXX  In Violation of 1028a Aggravated identity theft As they never sent me the Method of verification for accounts : XXXX. XXXX : Account : 2 U S DEPT OF EDXXXX, Account Number : XXXX XXXX. Transunion : Account : US DEPT OF EDUCATIONXXXX, Account Number : XXXX and account number XXXX XXXX. XXXX : Account : Us dept of education, Balance : {$5300.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX, transunion and XXXX have also Committed identity theft On Consumer Report Along with The creditors According to the Fair Credit Reporting Act, 15 USC 1681 section 602a emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As the consumer, I assert my right to safeguard private information, supported by 15 USC 6801, which underscores the obligation of financial institutions to protect customer privacy. 

Under 15 USC 1681 section 604a ( 2 ), consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the concerned consumer. XXXX, XXXX, and the ( Furnisher of information to credit agencies ) lack my consent and written authorization for sharing this information. 

Moreover, 15 USC 6802 ( b ) ( c ) specifies that a financial institution must provide an explanation of how consumers can exercise their nondisclosure option. However, ( Furnishers of information to credit agencies ) failed to inform me of this right. 

I am Giving XXXX, transunion and XXXX  a chance to set my consumer report right By Deleting all accounts in question off my consumer report I will Be charging XXXX, transunion and XXXX a XXXX dollars for each day accounts stay on my report from the date of receipt of this complaint Please rectify immediately

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 2024-02-22 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: FL

Complaint narrative:
XXXX, Equifax, XXXX  In Violation of 1028a Aggravated identity theft As they never sent me the Method of verification for accounts : XXXX. XXXX : Account : 2 U S DEPT OF EDXXXX, Account Number : XXXX XXXX. XXXX : Account : US DEPT OF EDUCATIONXXXX, Account Number : XXXX and account number XXXX XXXX. Equifax : Account : Us dept of education, Balance : {$5300.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Equifax, XXXX and XXXX have also Committed identity theft On Consumer Report Along with The creditors According to the Fair Credit Reporting Act, 15 USC 1681 section 602a emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As the consumer, I assert my right to safeguard private information, supported by 15 USC 6801, which underscores the obligation of financial institutions to protect customer privacy. 

Under 15 USC 1681 section 604a ( 2 ), consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the concerned consumer. Equifax, XXXX, and the ( Furnisher of information to credit agencies ) lack my consent and written authorization for sharing this information. 

Moreover, 15 USC 6802 ( b ) ( c ) specifies that a financial institution must provide an explanation of how consumers can exercise their nondisclosure option. However, ( Furnishers of information to credit agencies ) failed to inform me of this right. 

I am Giving equifax, XXXX and XXXX a chance to set my consumer report right By Deleting all accounts in question off my consumer report I will Be charging equifax, XXXX and XXXX a XXXX dollars for each day accounts stay on my report from the date of receipt of this complaint Please rectify immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I called to ask for my intrest paid last year. They wanted to verify my account I provided all the information except what the final loan amount was when I took out the loan. Since I didn't know the exact amount he said that he wasn't going to give me the information. Then he hung up

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 2024-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have asked for the original signature of the original debt from LVNV Funding LLC. They are constantly call me. I have asked for this information in writing. They haven't produced it and continue to call me. They called me from XXXX - XX/XX/XXXX. I recently received a call XX/XX/XXXX. This is in violation of 15 US Code 1692g Validation of Debts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: NC

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as a proof of my identity and my Proof of Address.

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 2024-02-22 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: NC

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as a proof of my identity and my Proof of Address.

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