vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 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: GA

Complaint narrative:
I FILED A DISPUTE IN REGARDS TO INCORRECT ITEMS ON MY CREDIT REPORT IT HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY INVESTIGATION REPORT. 

1.Delete the following account for Inaccuracy. Because date last active is Inconsistent on my credit report. 
XXXX XXXXPlease remove it from my credit report. 
2.the following account is not mine. 
XXXX XXXX ( original creditor : XXXX XXXX ) Please remove it my credit report. 

3. The following account is inaccurate Delete from my credit report. 
XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX  ) Please remove it from my credit report. 

4..Delete the following account for Inaccuracy. Because date last active is Inconsistent on my credit report. XXXX : Please Delete it from my credit report 5.The following account is inaccurate : XXXX Please Delete it from my credit. 

6.The following account is inaccurate : XXXX XXXX Account number : Please Delete it from my account. 

7.The following account is inaccurate : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Please Delete it from my credit report. 

8.The following account is inaccurate : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Please Delete from my credit report. 

9.The following account is not mine : XXXX XXXX  : Please delete from my credit report. 

10.The following account is inaccurate : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Please 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 2022-04-11 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: GA

Complaint narrative:
I FILED A DISPUTE IN REGARDS TO INCORRECT ITEMS ON MY CREDIT REPORT IT HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY INVESTIGATION REPORT. 

1.Delete the following account for Inaccuracy. Because date last active is Inconsistent on my credit report. 
XXXX XXXXPlease remove it from my credit report. 
2.the following account is not mine. 
XXXX XXXX ( original creditor : XXXX XXXX  ) Please remove it my credit report. 

3. The following account is inaccurate Delete from my credit report. 
XXXX XXXX ( original creditor : XXXX XXXX XXXX of ) Please remove it from my credit report. 

4..Delete the following account for Inaccuracy. Because date last active is Inconsistent on my credit report. XXXX : Please Delete it from my credit report 5.The following account is inaccurate : XXXX Please Delete it from my credit. 

6.The following account is inaccurate : XXXX XXXX Account number : Please Delete it from my account. 

7.The following account is inaccurate : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Please Delete it from my credit report. 

8.The following account is inaccurate : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Please Delete from my credit report. 

9.The following account is not mine : XXXX XXXX  : Please delete from my credit report. 

10.The following account is inaccurate : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Please 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 2022-04-11 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: NC

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, 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

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 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Someone has stolen my information and trying to establish credit without my permission and blemishing my credit report with unnecessary unwanted enquires. Received a letter dated XX/XX/22 from Wilshire Consumer Credit On behalf of XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Midland Funding LLC filed a suit against me in XX/XX/XXXX. They claimed that I owe roughly {$1200.00} in a debt collection effort dating back to XX/XX/XXXX. They filed the suit in XXXX XXXX XXXX, Indiana, a county where I do not live. I have never lived at the address claimed in the suit and do not even know where they obtained that. All documents/subpoenas were mailed to address of where I do not live so I was levied a default judgement in XX/XX/XXXX. The only document I have ever received was in XX/XX/XXXX, and it was a motion for change of lead counsel. So following 1 year and 8 months this was the only attempted communication concerning a lawsuit. 

I live in Colorado and even their own evidence submitted to Indiana Courts contained my current address in Colorado. Midland Funding and their attorneys had my address readily available but still chose file a suit in a state of which I do not live and sent documents to an address I have never resided in. I believe they attempted unfair practices to collect a debt by knowingly filing a suit in a state I do not live and where the debt did not occur so they could obtain a default judgement and hope that I would not fight it. As shown by federal case XXXX XXXX AL. V. MIDLAND FUNDING, XXXX ET AL. CONSUMER ACTION, this is a common tactic done by Midland funding and the fine levied in the lawsuit against Midland Funding did not deter these kind of tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11 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: U.S. BANCORP
State: TX

Complaint narrative:
The original creditor for my account was XXXX XXXX XXXX which was subsequently bought or transferred to Elan Financial. Elan Financial is reporting that my payments were late in XXXX and XXXX of XXXX, despite me having documentation ( bank statements ) to show that phone payments were processed with XXXX XXXX XXXX each month through XX/XX/XXXX in the amount of {$51.00}, thus XXXX should not and can not in good faith report that I was delinquent in my payments to them. 

I was contacted by Elan Financial in XX/XX/XXXX who stated that they were the new creditor and would not honor the previous payment agreement I entered with XXXX XXXX XXXX to close my account and continue payments. At this time, I had a loss of income due to XXXX and shared this with the representative who subsequently enrolled me in a modification plan. A required XXXX faith payment was made to enroll in the program and there have been no missed or late payments since that time. 

I have made several requests to both Elan Financial and the credit reporting agencies XXXX, XXXX, and XXXX to have my credit report updated to remove the delinquent payment reporting due to the internal errors, my subsequent enrollment in the modification plan, and continued satisfactory payment history. The continued negative reporting is in direct violation of the following FCRA The Billing Errors-15 U.S.C 1666 ( b ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) Removal of Inaccurate/invalidated Credit Information. 

Coronavirus Aid, Relief, and Economic Security ( ChChch ) Act, passed by Congress and signed into law on XX/XX/XXXX, XXXX20., contains a provision explicitly addressing the FCRA. Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected by COVID-19, should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the COVID-19-related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/XXXX, and do not apply to charged-off accounts.

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 2022-04-11 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: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
This is in response to the CFPB your company provided to me and the lack of validation pursuant 15 USC 1692g I received in my mail.

To whom may concern I contacted the Attorney General of Florida, I reported the fraud from your company with the FTC. If you default again I will contact the XXXX XXXX XXXX XXXX, file a police report due to Identity theft by your company and File a complaint with the Better Business Bureau. 

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified CFPB complaint under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, 15 USC 1692 ( g ) Section 806 ( 5 ) ) you proceeded to mail a simple statement which is NOT considered a " validation of debt '' by any means. You may wish to familiarize yourself with what is required when validating a debt. ( you failed to provide me with the 5 things pursuant 15 USC 1692 ( g ) ) Your office also proceeded to contact me by the credit bureaus after the delivery and acceptance of my certified cfpb complaint I made online. Contacting a person after a cease and desist can lead to serious trouble for your agency including damages of up to {$1000.00} per incident.

You may wish to familiarize yourself with what communication means. Pursuant 15 USC 1692 The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. You are conveying information regarding a debt to a third party company ( credit bureaus ) which is also another violation pursuant 15 USC 1692c ( b ).

I highly doubt that this debt is worth your agency 's license and the fees and penalties for violations of the FDCPA. 
Please be advised the demands in the cease and desist were not met. 
Attached with this complaint an affidavit of truth, Exhibit B marking each violation from your company, and all previous attachments sent to your company. 
I will create an invoice in the future for damages of up to {$1000.00} per violation in case you default again with my remedy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
I paid XXXX XXXX group on XX/XX/XXXX for a medical debt of XXXX ( give or take a few dollar/change ). They informed in at that time as soon as transaction as done they would inform the credit bureau to remove it from my credit report. I paid for my credit report days later which showed debt solutions as the company holding the medical debt not XXXX I then called debt solutions who stated they held the debt and I need to pay them in full. I requested the original bill explained I paid it off with another company. They gave me an email to send a validation letter to confirm so they could dispute payment. I spoke again to XXXX XXXX  on XX/XX/XXXX requested a validation letter informed them another company stated they owned the debt and was also demanding payment. Was sent validation letter on XX/XX/XXXX. Emailed letter to debt solution, called to confirm they received letter so they could remove debt as it was paid. They stated they had to send letter to yet another debt agency XXXX XXXX XXXX XXXX to confirm letter was valid and ask if they wanted them to remove the debt from my credit report. This is three companies claiming my medical debt when its been paid to one. I have the letter proving its been paid. Attached will be the letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OR

Complaint narrative:
Hi I recently applied to the XXXX program after the new laws were made. I previously had a FFLEP loan so I refinanced to a direct loan and completed the new XXXX program. I applied in XXXX and many months later I finally found out by calling them that they had sent me several letters regarding my loan status. The only problem is that nothing was actually mailed to me but the letters had been posted to my new account at Fed Loans which I did not know I had and had no access to. I have sent several emails asking for information as to the status of my XXXX application. Each time it has taken several months for a response. The last correspondence I received from them stated XXXX of the XXXX jobs I submitted ( which cover a 2 year period ) were approved but I was not given any credits for the payments made during that 2 year period. I sent them another email to inquire why I did not receive any credit for those payments this is what they said : " The Department of Education regulations require us to have an end date on all forms. On the XXXX XXXX XXXX XXXX ( PSLF ) & Temporary Expanded PSLF ( TEPSLF ) Certification & Application ( PSLF Form ), we use the date your employer signed your form ( if you are still employed ) as the end date. Payments made after this date may qualify for XXXX XXXX XXXX XXXX ( XXXX ) ; however, will not show on your tracker until the next time you recertify your employment. '' ONLY THE PAYMENT AFTER I AM ACCEPTED TO THE PROGRAM WILL BE CREDITED. 

Isn't it the main point to the new law past payment will able to be counted. Why would Fedloan be unaware of this. Any help you can provide would be appreciated. thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I revived a email saying my card was over the balance I went to Capital One ATM machine to pay the bill. It would not allow me to pay the full amount because the balance was incorrect, yet they keep declining my purchases and changing new fees for this. I have repeatedly ask them to keep my balance current, however they seem to just ignore me and continue with the same process. However when Im asking for an increase in my account they use the fact that Im always overdrawn and they cant do anything about that. Yet I pay them on time every month and its still not enough. This is how these big companies do to block you from getting the credit you deserve. This has been an occurring practice for them, which is totally unfair to me as a consumer. When will yall really start working for the consumer and not the big companies. Otherwise we will have no win

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc.

Complaint narrative:
Hello, Over {$12000.00} in crypto was stolen and withdrawn into an external wallet via my crypto.com account. They refuse to do anything about it and say that someone had access to my account therefore they can not do anything. I DID NOT make these withdrawals and didnt approve them. 

Please can you help or investigate the matter? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
Exeter Finance LLC I asked them to come pick up the vehicle from the shop because the vehicle kept flooding they refused to pick the car up now the shop wants {$4500.00} for storage and the Exeter Finance still want XXXX on XXXX XXXX. I have reach out to them no solution yet, They now have turn my account over to a third party collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
ive been in contact with XXXX XXXX  in regards to a public record on my credit report. XXXX XXXX made a dispute on my behalf on XX/XX/2022 dispute # ( XXXX ) to XXXX experian, and XXXX and with no reply stating they have no record of a public record bankruptcy on my credit report they never replied 30 days has exceeded from first dispute. after awaiting the resolution of the dispute i called back XX/XX/XXXX and filled a second dispute ( XXXX ) still after 5 days no reply today XX/XX/XXXX i personally also filled a dispute and asked about prior dispute on my behalf they claim to never received a dispute. ive also filled a dispute before they claim they receive information form XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo Bank has late payments on my credit report ( consumer report ) that shouldn't be there. 

I contacted Wells Fargo on XX/XX/2022 disputing the negative items on my credit report. They responded on XX/XX/2022. In this response they have not validated the negative items that they've place on my credit report. They have not provided any contractual document bearing my signature. Also, they did not disclose their verification methods and who they contacted to verify the account information that I'm disputing. Below is a list of a few laws that they've violated. I've also attached proof of their response to me. 

15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A subsection 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681a subsection 2 - Exclusions : states that the term " consumer report '' doesn't include a report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C 1692C - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt-

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 2022-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation