vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I contacted Experian through their web site requesting the full account number on one of the reported accounts on my credit report. 

On XX/XX/XXXX I received an email directing me to call an XXXX number. 

On XX/XX/XXXX I contacted Member Services at XXXX as instructed by the letter. 

I spoke to XXXX. XXXX stated she could not provide me with the specific account number I had requested. 

I asked for a supervisor. She then asked me if I wanted to talk to someone else. I said no, I would like to talk to a supervisor. 

Claims the first supervisor declined the request. She said she would try to get a different supervisor. 

I asked for the supervisors name. XXXX did not give it to me. She said she talked to another supervisor. She stated that the second suoervisor also said they would not talk to me. Finally she gave me the names XXXX and XXXX. 

When I persisted she finally said I would have to talk to someone in the dispute department and ask for supervisors at dispute department. XXXX central time at XXXX. This is the same number I called to talk to 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 2024-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to XXXX XXXX XXXX XXXX. This is my statment that all of the listed accounts have been reported with out my expressed written concent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. fraudulent unauthorized account : XXXX XXXX XXXX Acct : XXXX, XXXX  XXXX Acct : XXXX XXXX, XXXX XXXX Acct : 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 2024-06-15 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: NY

Complaint narrative:
This is my second time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

XXXX XXXX # XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.

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 2024-06-15 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: MS

Complaint narrative:
I recently viewed my credit report, and I found a fraudulent account on my report. Please removed this account from my report. It is hurting 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 explanation
Consumer complaint received 2024-06-15 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: TX

Complaint narrative:
On XX/XX/XXXX having fair to good credit scores I went to purchase a vehicle to begin an extra income for my family only to be denied due to an incorrect credit report. On Account XXXX XXXX XXXX XXXX was closed in XXXX had reopened account and claimed that a payment was made XX/XX/XXXX and was not a payment made was the balance of XX/XX/XXXX that was added due to XXXX XXXX While reporting it a payment had restarted the the account by the false payment but made my report look like the XXXX happened less then XXXX months prior. Embarrassed I would have never applied for credit if I known my report showed a false claim. Now I have multiple hard inquiries on my report under false claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo refuses to provide its customers with an itemized bill for their charges and are unable to terminate a customers credit card with them. I spent no less than 3 hours with representatives at Wells Fargo to get a claimed owed balance of {$100.00} explained ; I talked to no less than 6 or 7 representatives to get an itemization of that bill and had to repeat my predicament to each representative ( which was a sheer test of patience and tolerance ). A dishonest person used my credit card illegally and made 2 charges on it a couple of months ago ; Wells Fargo told me that they made a full recovery on both items. So, those expenses have no relevancy with the current {$100.00} charge. Of that {$100.00} balance, they can only show I approved 2 billings on that credit card ( 1 for {$21.00} and a 2nd for {$17.00} ). So the only charges I authorized ( and that they acknowledge ) total {$38.00} ; when asked for an itemization for the remaining {$65.00}, I was refused. All they wanted to talk about was the activities of the dishonest person they caught and got financial restitution from, not what I had authorized. Unable to come up with an explanation for the {$65.00} charge [ and identify the retailer ( s ) associated with that charge ], I was simply passed onto another representative to repeat my concerns all over again in a deliberate attempt to frustrate ( and they succeeded ). I do have a rewards balance of {$30.00} on their credit card and they refused to apply it to the {$65.00} balance or offer the benefit directly to me.

Unable to appreciate Wells Fargo total disrespect and their claims that their bank is above the law and not required to justify anything, I then demanded that they ( Wells Fargo ) invalidate, void and terminate my credit card. They refused to honor that demand.

That dishonest person tried to rip-off Wells Fargo for {$300.00} and for {$50.00} ( on the same day ). How the {$100.00} balance is formulated makes no sense ( the one dishonest charge was for {$300.00}, so why the balance is not {$410.00} remains a mystery [ {$300.00} plus {$100.00} ] ). If Wells Fargo lied about the financial recoveries they made from the dishonest person ( or company ) ; well, that is reason for a second complaint. If Wells Fargo wants to punish a customer because their recovery team is understaffed, inept or slow to react, that is also reason for a second complaint. Of course, I am operating under the assurance that Wells Fargo offers theft protection ; if not, then that is reason to amend this complaint. All I ever wanted was to talk to someone who knows what their talking about or demanding and was refused.

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 2024-06-15 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: CA

Complaint narrative:
On XX/XX/year> I received an alert that XXXX / XXXX accessed my TransUnion credit report without my consent or knowledge. I contacted them and was directed to the XXXX XXXX XXXX that took a report and advised they would investigate and correct the issue as appropriate. I received a letter on XX/XX/XXXX saying they would remove the inquiry.

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 2024-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have disputed this account several times even years without getting any Response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes I have made for these, including the certified mail tracking numbers. and despite this they ignore me, how is it possible to treat me this way, the truth is I'm tired of fighting and I feel Vulnerated ... What injustice. That's why I need you to 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 explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: OH

Complaint narrative:
I received no notices from Capito Partners about this debt. I thought this had been resolved with XXXX XXXX XXXXXXXX, the original creditor, over a year ago. XXXX lacked the competence to bill my secondary insurance, which would have gladly paid them. They were given the secondary insurance information on two separate occasions. I only became aware of the problem when it appeared, out of the blue, on my credit report on XX/XX/year>. The total debt claim is for {$2800.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: SD

Complaint narrative:
I received email communication from this company and responded to the email in the manner that they laid out in their communication with a debt verification letter. I have not heard back from them via email or postal mail. I am not able to verify the stat and more than 30 days has elapsed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I opened a credit card at M & T Bank due to a promotional offer they sent me. However, the bank is now refusing to let me enroll online and check my credit card balance independently. They are insisting that I visit a branch and create an online account there because I don't have any checking account with them. The bank did not mention this requirement in the credit card offer letter, otherwise I would not have opened the account. This is not just inconvenient, but also unacceptable in this 21st century when everything is almost online also the bank is about 9 miles away from my home. Traveling back and forth to the bank is just a waste of my valuable time.

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 2024-06-15 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above accounts were previously reported on my Experian consumer report ILLEGALLY, since then all accounts have been deleted. Per the FAIR CREDIT REPORTING ACT, all violations result in {$1000.00} per violation.

According to the FCRA, 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; If you can prove they wilfully violated the act you are entitled to at least XXXX $ per violation plus any other damages you have sustained as a result of their failure to follow the law. If you have to file more than 1 complaint, wilful noncompliance can easily be proven as they had a full understanding of the violations after you complained the 1st time.

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 2024-06-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
I kindly request an immediate re-investigation of these matters, and urge you to rectify any errors as soon as possible. 
In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary.

Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above.

The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law. 
I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: IL

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.

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 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 ) ( 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
According to 15 U.S. Code 1681c-2. This is my statment that all of the listed accounts have been reported with out my expressed written concent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. fraudulent unauthorized account : XXXX XXXX XXXX Acct : XXXX, XXXX XXXX Acct : XXXX XXXX, CITICARDS CBNA Acct : 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 2024-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: MN

Complaint narrative:
I am writing to file a formal complaint against WESTLAKE FINANCIAL SERVICE. This company may be improperly collecting a debt. Therefore I request all documents of the debt supposedly incurred. In the attached letter you will find more details about my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NC

Complaint narrative:
STOP VIOLATING THE FDCPA USC 1692D ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) EXHIBIT A1 : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT.

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 2024-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was late on two or three monthly payments due to losing my job because I was diagnosed with XXXX, after I was aware of the late payments I paid the remaining balance. The auto loan was paid in full and was not a loss for capital one auto.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: LEXISNEXIS
State: IL

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.

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 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 ) ( 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I am writing to address a recent matter concerning a debt allegedly owed, as filed by Midland Credit Management. I was surprised to learn about this debt, as I have no knowledge of it and have not been previously contacted regarding the matter. 
Upon reviewing the information provided, I understand that a court date has been set for XXXX. Before proceeding further, I kindly request that Midland Credit Management furnish me with the necessary details to verify this debt. Specifically, I would appreciate a detailed breakdown of the debt, including the original creditor, the account number, and any supporting documentation. 
It is my intention to resolve this matter amicably and ensure that any misunderstandings are promptly addressed I firmly believe that a resolution can be reached once the necessary information is made available to me. I seek to dismiss this Case

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: NH

Complaint narrative:
Williams and Fudge embarrassed me at my place of work by calling and asking for me. Their number was on the caller ID so it is obvious to anyone who looked them up after transferring the call to me. 

This person was not friendly and I believe acted in a very malicious manner by trying to intimidate me and embarrass me.

Company response to consumer: Closed with explanation