vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas violated my federally protected consumer rights to privacy and confidentiality under 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

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 2024-02-21 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:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX - Account Number:XXXX This is not mine. 

XXXX XXXX XXXX Account NumberXXXX Please investigate and delete 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 2024-02-21 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: OneMain Finance Corporation
State: GA

Complaint narrative:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for ONEMAIN to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

ONEMAIN - XXXX Last 4 digit SSN - 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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. 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 Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts 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 2024-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Please send prove of my written consent and original agreement and contract sing by me and the creditor also I did not sign any agreement with you I dont owe you any money even if you purchase debt for XXXX so please send the agreement with you and the creditor sign by you and the creditor or remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: MD

Complaint narrative:
On XXXX XXXX, 2024, I successfully made a {$140.00} cash advance withdrawal on my Capital One credit card. I went to a Capital One bank in XXXX XXXX, MD, to do this. 

The ATM at the Capital One bank denied my request for the withdrawal, for a reason unknown to me. So, I went into the Capital One bank at the same location and a customer service associate there quickly processed my cash advance request for {$140.00}. For this transaction, I was charged a {$10.00} fee by Capital One and a {$3.00} fee by the bank. 

In reviewing my Capital One statement on XXXX XXXX, I noticed that Capital One also charged me a {$10.00} withdrawal fee for the ATM transaction that day that Capital One denied. 

I contacted Capital One by telephone on XXXX XXXX, 2024, and spoke with 4 associates in an effort to obtain a reversal of the {$10.00} ATM fee that I was charged on XXXX XXXX. Ultimately, Capital One refused to reimburse me for the {$10.00} fee charged at the ATM. A representative there told me that by using the ATM ( though my transaction could not be completed successfully through no fault of my own ) I was agreeing to pay the {$10.00} fee. I should not have to pay Capital One the {$10.00} ATM fee because as I've mentioned above, that transaction was not processed ( through no fault of my own ),

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : TransUnion XXXX - XX/XX/2023, XXXX - XX/XX/2023

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 2024-02-21 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: MD

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2024-02-21 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: NV

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. 
Account name : # XXXX XXXX XXXX account number : XXXX Account name : XXXX XXXX XXXX Account number :, XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX account number : 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 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 2024-02-21 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX Account Number : XXXX TXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: MD

Complaint narrative:
I am requesting you to remove these unauthorized inquiries from my credit report. I have provided documentation for verification. Please expedite your investigation into this matter asap. 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 non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kwikcash, Inc.
State: MS

Complaint narrative:
On several instances I have requested debt validation from this company and XXXX they have failed to provide such. Most recently, a certified letter was sent on XXXXand I have not yet received a response. I am demanding that this collection be removed from my all 3 credit reports as it can not be verified as reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I received a message alert claiming there was {$440.00} coming out of my account. I was asked did I make these charges? I said no. On that day, there was two certified checks drawn out of my account. One was for XXXX. The other amount was XXXX. I got a phone call from another agent asking me if I was in the bank. I said I am not at the bank. I am home. They quickly connected me to a fraud agent where this agent asked me if I authorized a third check going out of XXXX? I responded no there should be no monies being removed from this account since it is a savings account. As I was confused told the agent if you look at the history of my account, you will see this money has been in there for nearly 10 years. The banker at the physical bank where the checks were written was the one who called me about that XXXX. So I successively declined the last check, going out, which saved the remaining money that was left in that savings account. 
Since Wells Fargo has the most inadequate security and investigation. I went about myself and contacted the FBI and filled out a report, called my local police department and filed a police report. As well as contacting consumer financial protection bureau for 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 2024-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Valentine and Kebartas, Inc.
State: FL

Complaint narrative:
I received the email below to XXXX and this isn't my debt. I have not contacted them due to the chance I have to pay or they would use the contact info against me. They disclosed this person 's personal info to a 3rd party- me. 





Valentine & Kebartas , LLC XXXX XXXX XXXX XXXX, MA XXXX XXXX OFFICE HOURS : MONDAY XXXX TUESDAY-THURSDAY XXXX FRIDAY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account No. : XXXX Current Creditor : XXXX XXXX XXXX Original Creditor : XXXX Current Amount Due : {$4900.00} Last Four Digits of Original Account # : XXXX Settlement Offer Dear XXXX XXXX, This letter is to inform you of our current ability to offer you discounted options to settle the collection account listed above in full. 

Upon satisfying the account, XXXX XXXX XXXX will remove this account from your credit bureau report. Please note, this applies only to the tradeline report by XXXX XXXX XXXX and will not affect the tradeline of the original creditor or any other third party. 

Our client wants our records to reflect that they have made every attempt to resolve this matter. Please see the options listed below and be advised we are not obligated to renew these options after the dates listed below : Take advantage of a 30 % discount by making a one-time payment of {$3400.00} on or before XX/XX/2024. 
Take advantage of a 20 % discount by making XXXX consectuive monthy and equal payments of {$1300.00} on or before XX/XX/2024 and the XXXX of the next XXXX consecutive months. 
Take advantage of a 10 % discount by making XXXX consecutive monthly and equal payments of {$740.00} on or before XX/XX/2024 and the XXXX of the next XXXX consecutive months.. 
Take advantage of a 5 % discount by making XXXX monthly and equal payments of {$520.00}, the first payment on or before XX/XX/2024 and the XXXX of the next XXXX consecutive months.. 
If you are interested in XXXX of these offers, please call XXXX to speak to XXXX of our representatives or return this letter with the offer you selected and your payment by the due date stated above. Upon securing XXXX of the above options, we will notify our client that a satisfactory arrangement has been made to settle the collection account listed above in full. 

You can click this link to make a payment on our portal XXXX XXXX XXXX XXXX/valentineandkebartasXXXX 
Important Notice This is an attempt to collect a debt. Any information obtained will be used for that purpose. 
This communication is from a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-02-21 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: CA

Complaint narrative:
Equifax has failed to comply with my request to present some proof that I am the person liable for the inaccurate Address being disputed below. I have informed them, multiple times, through letters and calls, that I am a victim of Identity theft. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: MI

Complaint narrative:
I have disputed this medical debt twice already w/ the previous collection agency ( XXXX XXXX XXXX  ) & they finally seized action w/ their illegal aggressive tactics just to sell the debt to their partners in crime. Again, this medical debt is fraud. 

( NOW ) PFS LLC & their buddies have all threatened me w/ destroying my credit I worked everyday to uplift, maintain & grow. They keep harassing me STILL calling me derogatory names & insist I pay them or theyll take countless of actions on me so I that I wont have no other choice but to pay. 

I dont understand how collections of this nature are still around. They make a living off fraudulently buying debts from low class corporations & illegally harassing us consumers into feeling helpless enough to pay them. 

To provide further information on the debt : My XXXX insurance that I was covered for & provided XXXX XXXX  ( XXXX XXXX ) has no knowledge or record from this hospital visit. 
XXXX XXXX ( XXXX XXXX, MI ) simply didnt send ANY medical bill/documentation to my insurance provider! 

I gave ( XXXX XXXX XXXX XXXX XXXX my XXXX insurance phone number that Im covered under w/ co-pay & the deductible during my visit.

If you look on the itemized bill that the previous collection agency ( XXXX XXXX XXXX ) provided on my previous claim through you ladies & gentlemen ( CFPB ) ; It is not my cell phone number. 

It is the phone number ( mothers ) that I had & STILL have with my XXXX medical Insurance that I GAVE them during my visit. I gave them my insurance ID number & everything. 

BUT they FRAUDULENTLY billed it under a tricare insurance I DID NOT provide them to collect profits from me. Ive never in my life had any medical insurance issues ever. Been serviced great by XXXX Insurance my entire life. Multiple visits throughout my life and EVEN in 2020 I had my XXXX insurance & cover me w/ no issues once so ever. 

Biggest regret of life is being transported to XXXX XXXX ( XXXX XXXX ) for medical attentioncomplete fraudsters. Now I have these collection agencies preying on me for the last 3 years. Enough is enough man.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
We contracted with XXXX XXXX XXXX for internet and cable services. After the contract was ended, I chose not to renew and contacted XXXX XXXX XXXX notifying them that I did not want to renew the account and to cancel the service. I was never sent a final bill and assumed the account was intact. I later received a call from Credence Resource Management stating an arrears of XXXX was due. I never received a bill and asked for proof of the charges. They repeatedly called threatening to run my credit if I did not pay them the XXXX. I am a war veteran with XXXX and XXXX frustration and threats are triggers. I sent Credence the money to end the threats and harassment. I applied for a loan to purchase a home and the XXXX was placed as still owed on my credit report. I want my money returned and my credit cleared. I do not owe this company one cent and felt their abuse of power has caused me XXXX in trying to clear up a matter that has been wrongly represented.

Company response to consumer: Closed with non-monetary relief