vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Michel Law, LLC d/b/a Level One Law
State: TN

Complaint narrative:
I signed up for what I thought was a debt consolidation. Then they said I could not get a loan. Then After enrolling in the company, someone contacted me saying that they were a lawyer and I should not worry about anything further but not speaking with any creditors directly because it would hurt me. Meanwhile, my credit score took a big hit, under XXXX and I received two summons from creditors. Another lawyer, XXXX contacted me and said she was taking care of the issue and I should not worry about anything. Then after calling her twice, she said she was going to make a settlement offer. She asked if I could afford XXXX dollars a month for the settlement. I replied no since I was paying the level one law XXXX per money to pay these settlements off. Not on top of the payments. I have been in the program for over a year putting {$8000.00} dollars and I was misled on how this works. I repeatedly tried to contact the company and all phone numbers/chat says that it is inactive. It leads to nowhere. I started looking online and the company has a rated F on the XXXX I discovered many people 's reviews of it being a scam. I tried reaching out to XXXX with a voicemail leading to a full mailbox each time. I have since talked with the actual creditors who were nice and not at all the way level one law described them to me. Another document came through saying that they were not in litigation and to sign saying they hold no money upfront. This is unethical because after reaching the global bank holding my money to disperse to my creditors said they are in fact in litigation. I now am just waiting after canceling through the bank to get money back, but I am guessing they are just going to pocket it all and waited one year of diligently making payments and getting nowhere with a company that will not even call you back. there is currently no way to get in touch with them. I realize that I can no longer be helped because I fell for their scam, but I am writing this to help others not end up in this predicament.

Company response to consumer: Untimely response
Consumer complaint received 2024-04-23 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: MD

Complaint narrative:
Despite my persistent efforts, I've been unable to resolve these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize the importance of this matter to me. Should you choose to ignore my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will compel me to demand the immediate removal of these items from my report.

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 2024-04-23 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: CA

Complaint narrative:
XXXX has not given me the correct information in order for me to stay current. There is an annual fee of {$150.00} due by the month of XXXX. I was not aware, and in XXXX of XXXX they took my monthly payment and assessed it towards the Annual Fee which left me behind monthly for more than 6 months. They reported me 30 days late as XX/XX/XXXX causing my score to drop XXXX points. They're trying to say its because of XX/XX/XXXX, but the error is lingering from my XX/XX/XXXX payment when they took the annual fee that had not been paid in XX/XX/XXXX, leaving the rest to unfulfill the monthly that was actually due.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I filed a dispute with TransUnion about 3 bankruptcies showing on my credit report, I provided a XXXX report showing no bankruptcies were on my XXXX report and they removed 2. XXXX is the Public records provider for TransUnion up to XXXX, the public record shows a XXXX filing, after XXXX they used the company XXXX. XXXX has initiated 2 internal disputes to TransUnion to remove # 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 2024-04-23 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: FL

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 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 explanation
Consumer complaint received 2024-04-23 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: AZ

Complaint narrative:
Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting XXXX Account Number : XXXX Please update- All New Reporting Information to paid as agreed and current. 

4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

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 2024-04-23 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Got a call from a person claiming to be a Wells Fargo services asking if i had submitted a request to open a credit card account for Wells Fargo in XXXX XXXX, they had my name and last 4 of my SSN, upon telling them that I had not, they said they were transferring me to the Consumer Protection Service, they started telling me that they were going to get my info so that no one could scam me, I told them to give me there number so I could call them back cause I was a little busy, they gave me a case number - XXXX Phone # XXXX and to ask for XXXX XXXX at extention # XXXX, I told them I would call back. 
I then called Wells Fargo customer support and asked them if they new the number or had the number I was called from XXXX, they said they did not have that number in there system and it was not one of theirs, and that the # XXXX looked like it belong to a private person not a corporation.

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 2024-04-23 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:
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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: PA

Complaint narrative:
I reckon FCRA 605B wants us to take out wrong accounts from my credit report. Can you look at the papers? Some accounts listed are wrong about what they say, like the money and dates.

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 2024-04-23 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:
I reviewed my Consumer Reports and noticed that there was inaccurate account ( s ) on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

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 2024-04-23 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that there was inaccurate account ( s ) on my credit report ACCOUNT NAME : XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX  XXXX ACCT XXXX XXXX ACCOUNT NAME : XXXX XXXXXXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXXXXXX ACCT # XXXX ACCOUNT XXXX : XXXX XXXX ACCT # XXXX ACCOUNT XXXX : XXXX XXXX XXXX # XXXX ACCOUNT NAME : XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX ACCT # XXXX Consumer Reporting Agencies have assumed a XXXX role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

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 2024-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Please See The ATTACHMENT " Dispute CareCredit ''. 

CareCredit ( Synchrony Bank ) has reported to the Credit Bureaus an erroneous balance when the dental SERVICE WAS NOT DELIVERED and i have been disputing the charge ( {$1200.00} since XXXX ). 

Dental Service was not delivered because i canceled the appointment on XXXX when i discovered that XXXX  contains porcelain which is VULNERABLE TO CRACKING.

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 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My account was closed last week Thursday or they called it restricted because I made a dispute and showed proof that I didnt do the transaction and the bank ( Citibank ) just closed my account with all of my money in it mind you this is my only bank account and I have XXXX dollars to my name right now And they just closed it and Ive been to the branch multiple times and still nothing they dont want to open it or give me my remaining money at all so now Im trying anything possible to get my money out of the account

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 2024-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: NPAS, Inc.
State: TN

Complaint narrative:
Constantly being called and sent letters regarding a debt that is being paid directly to the Hospital. It appears this hospital sends bills to collection agencies for the sole purpose of causing stress in the patient so they will neeed to return to hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Throughout, I've made certain payments are promptly handled on this account, avoiding any delay. It puzzles me why there are mentions of tardy payments on my records. Per 15 USC 1666b - Billing Error, rectifications ought to be made.

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 2024-04-23 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX  - Account # XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX - Account # XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.

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 2024-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There is credit card from Capital One " Quicksilver '' reporting on my consumer report that is not mine. My name is XXXX XXXX XXXX not XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ).

In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. 
XXXX XXXX XXXX delete Account XXXX XXXX XXXX delete Account XXXX XXXX XXXX delete Account XXXX XXXX XXXXXXXX delete Account XXXX XXXX XXXX delete Account

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law. 
According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ). 
In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. 
XXXX XXXX XXXX delete Account XXXX XXXX XXXX delete Account XXXX XXXX XXXX delete Account XXXX XXXX XXXX delete Account XXXX XXXX XXXX delete Account

Company response to consumer: Closed with non-monetary relief