vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: MS

Complaint narrative:
AFNI INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : The Office of Registered Agent for AFNI INC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages.

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation
State: FL

Complaint narrative:
My attorney yet again recommended me to do this. I have been dealing with this company since XXXX XXXX. XXXX which was a dispute for an XXXX XXXX transaction on XXXX XXXX in the amount of {$380.00} that was taken from my card. So I contacted Albert via text and they said Hi, we reviewed the transaction issue you reported. The transaction was authorized at the time it was initiated, so it is not eligible for credit from Albert. Please work directly with the merchant to resolve the issue. Let us know if you have any further questions.

So after that I told them they cant limit the disputes. I requested for their legal team information but they refused.

So days later I file a XXXX  complaint against Albert and submitted a screenshot of the response I got from XXXX which XXXX said Based on the details you provided we recommended you to contact your financial institution and initiate a chargeback. 

We can not do anything once funds are taken from your card. Even if it is Unauthorized or the funds do not properly transfer. 

We are sorry we couldnt be more of assistance to you. 


Yet still after that Albert even refused through XXXX.

So now were up to this point t where Im filing this complaint in hopes to have Albert reimburse these funds that were removed.

There are many banking regulations they must follow and if after this complaint they dont give me a right to file my dispute and end up having my dispute to be rejected in a sense of time frame then they should know this complaint and as well the XXXX  complaint and all correspondence I had with them will be used in court when I give my attorney they green light to proceed further with litigation which not only will Albert have to give back my funds but they will be paying me back court fees, attorney fees and as well any damages that me occur even if that is on a financial level.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I used Venmo services to receive my federal and state tax refund, after having my taxes deposited for about a week, Venmo froze my account and refused to tell me why. They were rude and unprofessional. I have XXXX babies that are going without because Venmo decided to keep my funds instead of closing my account and releasing my funds. None of which belonged to Venmo, but they saw fit to keep the funds for loss prevention. I have a little over {$4500.00} still stuck on Venmo. I have also read that Im not the only person they have done it to. There are thousands of people going through what I am going through. I have decided to seek legal help if Venmo will not release my tax refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have asked for a copy of the policy that governs loss mitigation for my investor. 

Servicer Wells Fargo address for complaints response 72hours A copy of loss mitigation procedure before n during COVID With no response from Wells Fargo.

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, 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: KY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX VERMONT XXXX XXXX, WASHINGTON, DISTRICT OF XXXX, XXXX To : The Office of Registered Agent for XXXX XXXX XXXX XXXX. 


From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. 





By : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to you regarding a concern with my account. While attempting a purchase at XXXX for {$630.00} on XXXX and some odd cents, I was informed that the charges were not accepted. The customer service representative tried three more times. Said person informed me to contact the card provider. To say that I was embarrassed is an understatement. I called and I talked with a Capital One Customer Service Representative whom had me verify all information on the account, he then sent me a code to my cellphone at XXXX, code XXXX, and then stated that the issue was resolved. Prior to this I have a history of making large purchases, most recently Menards for {$2700.00}, as well as other large purchases to a Law Firm. I recently on XXXX made a payment of {$3000.00} to pay off the card, and there is a zero balance. That said, this Customer Service Representative stated that the issue was resolved and to attempt the purchase again. I did so, and it was rejected again, I was informed again to contact the card issuer again as the purchase was declined. The calls Capital One started around XXXX XXXX. When I called back, a Capital One employee demanded that I send a copy of my drivers license and or state id via a secure link that he would email to me. I refused, given the amount of identity theft that is prevalent in the United States, I was not comfortable with this at all. I stated that I did not need to do that open the account and I would not do so now. I offered to verify any and all other information on the account, charges, recent payments, any demographic information, again he demanded that I comply. The call was then disconnected. This request seemed categorically out of the ordinary as if there was not a state issued identification card used to open the account, then this verification would be null and void ; there is nothing to compare it to. 

My account has a zero balance, it is currently locked, and will not accept any charges. This is ludicrous, and not acceptable. After verifying all demographic information, social security information, and a one time security code sent to my cellphone, it is still locked. Demanding that I send a picture of my state issued id, is not acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have new and updated information concerning Experian. I have previously complained of Experian 's illegal conduct under ID # XXXX. Experian has failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions. Experian is in violation of my rights as a federally protected consumer.

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
Already paid off the complete balance to Solar Mosaic but still show up in my credit report as a Charge off and for that reason I cant refinance my house

Company response to consumer: Closed with explanation