vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I notice XXXX that there was a collection account showing on my credit report from Amsher Collection Service. I called them to find out what this was about as I have not received any notification of any collection account. I was told that they can not give me any information that I needed to speak to XXXX XXXX 's office, that he was the attorney handling this matter. I called the law office and asked them about this debt. They said it was for a wireless provider XXXX and I told them that I never had a XXXX  account that I have XXXX XXXX XXXX  and before that XXXX and that they were under my dad 's account. They asked me if I know XXXX XXXX and I said yes and they said the account was under that company name. I told them I am not liable for any of those debts and I have never been notified in writing or called about this debt and the only way I found out was that I applied for a mortgage. They insisted and very rudely told me they did and tough luck. I asked for proof that I am personal liable and they have not produced this to date. How can they just placed a collection account on my credit report without notifying me and/or validating that I personally owed the money? Before a collection company can put a debt on my credit report, they are legally required to send me a written " validation notice '' within five days of their first contact with me, which details the amount owed, the original creditor, and your right to dispute the debt, which is mandated by the Fair Debt Collection Practices Act ( FDCPA ). I contact them in early XXXX, two or three times, I can find my notes. Now I just received on XX/XX/XXXX a letter from them about the debt. How can they have this placed on my credit report before contacting me. They said I had until XX/XX/XXXX to dispute the debt, which I did and mailed back to them. On the phone when I called them I asked about just paying this to get it off my credit report. They said if I paid the full amount they would give me a on time courtesy and remove the account. I didn't trust them and I asked for this in writing and they said they won't do that but our conversation was recorded. I asked can I record this and they said no I just need to trust them. How can I trust anyone that can be so deceptive and lie to me and then say just pay it and it will be removed. If I owe the money, I will pay what I owe before it could have been added to my credit report. But they never contacted me nor have they provided proof I personally owe the debt. I asked multiple times to speak with a supervisor and they tell me no one is available they will call me back and they never have. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Inquiries that I do not recognize. I disputed with Equifax but it has not been removed as of today. Please remove the following fraudulent inquiries : 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

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 2025-02-02 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Inquiries that I do not recognize. I disputed with Equifax but it has not been removed as of today. Please remove the following fraudulent inquiries : 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

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Per the clerk of court they do not report public information to the consumer credit agencies as you can see in this letter attached they make it clear that this is not done per my credit profile the bankruptcy are both being reported illegally which violates my rights as a consumer this needs to be investigated and deleted immediately.

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 2025-02-02 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
LEGAL NOTICE NOTICE OF CEASE AND DESIST OF REPORTING TO CONSUMER REPORTING AGENCIES AND REQUESTING INFORMATION AND INTENT TO SUE XX/XX/XXXX AFFIANT : XXXX : XXXX. XXXX DEFENDANT : Navy Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX D-XXXX number XXXX XXXX CO-DEFENDANTS : XXXX XXXX XXXXXXXX XXXX number : XXXX XXXX XXXX, XXXX SUITCASE GO AFTER NAVY FEDERAL CREDIT UNION SURETY BONDS TO SUE UNAUTHORIZED BONDS , SECRET CONTRACTS, DOUBLE RECOVERY, INSURANCE FRAUD, SECURITIES FRAUD, FIDUCIARY DUTIES, ACCOUNT FORWARD FLOW AGREEMENTS CHAIN OF ASSIGNMENT USC 1666B BILLING ERROR ACCOUNT # XXXX DEAR DEFENDANT : NAVY FEDERAL CREDIT IVE RECENTLY REVIEWED MY XXXX XXXX XXXX XXXX CONSUMER REPORTS IVE NOTICE THAT YOU HAVE AND [ GAAP ] FINANCING TRUST/BOND ACCOUNT/REMARK AS A CHARGE OFF WRITTEN OFF or PROFIT LOSS FOR ACCOUNT # XXXX AFTER FURTHER CONVERSATION WITH MY IRS AGENT / AGENCY IN WASHINGTON DC FEDERAL FINANCE DIVISION/US TREASURY. I WAS ADVISE THAT I REQUEST A COPY OF THE 1099-C & BILLING ERROR OF BEING LATE FROM NAVY FEDERAL CREDIT UNION . SO, I AM REQUESTING A COPY OF 1099-C THAT YOU SENT TO MY PERSON ACCT : XXXX XXXX XXXX. MATCHING THE SAME DATE THAT YOU GAVE MY PRIVATE PERSONAL INFORMATION WITHOUT MY WRITTEN CONSENT Also please send CERTIFIED RETURN RECEIPT WITH MY Human Wet Signature THAT IVE RECEIVED IT. [ IRS FORM XXXX WHISTLE BLOWER AWARD ]. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. IF YOU CANT FURNISHED THE ABOVE REQUESTED INFORMATION DELETE THIS ACCOUNT IMMEDIATELY. SINCERELY, AFFIANT : .XXXX  : XXXX. Living woman, Im far from being dead XXXX XXXX XXXX ACT 1666 Beneficiary OF ACCT XXXX XXXX XXXX not the TRUSTEE UCC1-308 ALL RIGHTS RESERVE WITHOUT PREJUDICE WITHOUT RECOURSE ALL DEBTS ARE OF THE UNITED STATES INC PER HJR -192 1933 USC 6802 RICO SUIT SECURITIES CLAIM If a debt is owned ( or treated as owned for federal income tax purposes ) by more than one creditor, each creditor that is described under Who Must File, earlier, must issue a Form 1099-C if that creditor 's part of the canceled debt is {$600.00} or more. USC 1681a FRAUD SUIT 18 USC 1028A

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX XXXX I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: Westlake Services, LLC
State: AL

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 WESTLAKE FINANCIAL I looked at my XXXX credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor 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 explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> Equifax XXXX, GA Subject : Formal dispute regarding inaccurate information on my credit report. 
Dear Equifax I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. i am aware of my rights under the Fair Credit Reporting act and request a thorough investigation into these inaccuracies as required by federal law. 
Recently the consumer Financial Protection Bureau filed a lawsuit against Equifax for it's failure to properly investigate consumer disputes citing " sham investigations '' and other unlawful practices. These practices outlined by the CFPB include : Conducting inadequate investigations that fail to address consumer disputes properly, reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively, These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: NY

Complaint narrative:
SUBJECT NOTICE OF INTENT TO FILE ARBITRATION FOR CONSUMER REPORT VIOLATION To Whom It May Concern : I hope this letter finds you well. I am writing to express my concern regarding the accuracy and integrity of the information contained in my credit report, which is maintained by your agency. I wish to emphasize my commitment to fair and accurate consumer reporting. These violations have had an impact on my Creditworthiness and have caused me undue financial hardship and XXXX XXXX  After careful review of my report, I have identified several instances where the information provided appears to be in violation of the Fair Credit Reporting Act. I have sent several letters trying to fix this matter which you have willfully neglected my attempt to rectify this matter. I have kept dates and responses provided via CFPB portal. 
I also want to let you know the original agreement. The Arbitration clause within agreement outlines a mechanism for dispute resolution that's we both agreed upon. Its hope that we can resolve this matter amicably and avoid the necessity for XXXX, which will result in substantial cost and fee for us both because this is causing me a lot of issues in my financial Life. 
I propose the following options for resolution : Option 1 : remove the following items reporting inaccurately below : XXXX. XXXX XXXX  ACCOUNT # XXXX XXXX. This account is reporting inaccurate please delete or pay fine of {$1000.00} per violation 3. Option 2 : Initiate Arbitration 4. Should your Company prefer not to remove the flowing items above, I AM PREPARED TO INITIATE ARBITRATION PROCEEDINGS AS ALLOWED BY OUR AGREEMENT. This process may entail substantial costs and fees including my filing fee, your filing fee, Arbitration initiation fee and arbitration deposit, and any legal costs incurred during the arbitration process.

5. I believe that an amicable resolution is in the best interest of both parties, however, I am prepared to pursue arbitration should that be necessary to uphold my rights and ensure fair credit reporting. 
SINCERELY, XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX 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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint to request validation of the debt associated with the account numbers listed on my Experian account XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these collection account and would like to verify its legitimacy. 

Please provide me with the details of the debt, including the original creditor 's name, the amount owed, and any documentation that supports your claim. Under the Fair Debt Collection Practices Act, I have the right to request this information.

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint to request validation of the debt associated with the account numbers listed on my Experian account XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these collection account and would like to verify its legitimacy. 

Please provide me with the details of the debt, including the original creditor 's name, the amount owed, and any documentation that supports your claim. Under the Fair Debt Collection Practices Act, I have the right to request this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I was charged numerous of times twice from my cash app accounts unauthorized transactions have been made on my cash app account I spoke out about it nothing was done every thing I tried to report or get my money back from was not authorized fraud was committed on my account and cards they did nothing I had to make a new cash app and still had problems and have problems with my present cash app account..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I disputed inaccurate reporting for my XXXX mortgages from XXXX XXXXXXXX XXXX ( XXXX ) - specifically mentioning that the payment history was inaccurate due to an agreement I had established with my loan officer. Equifax did not remove the inaccurate information nor make a good effort to investigate the details of my arrangement with XXXX  XXXX XXXX. The reason for no change did not mention the terms of agreement I reached with XXXX  XXXX XXXX. I would like the inaccurate negative marks on both mortgages removed or for Equifax to provide a detailed report on why my agreement with XXXX  XXXX XXXX is not being taken into consideration to accurately report my payment history for both my mortgage accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
A Cease-and-Desist request along with a validation of debt certified mailing to Resurgent Financial Services regarding XXXX XXXX XXXX  closed/charged off the account. XXXX XXXX XXXX is attempting to collect a debt as the alleged Third-Party Owner of the discharged debt. I have attached my correspondence to the XXXX  and last known address below. Also, Resurgent Financial Services and LVNV Funding LLC. are one entity in the same. A cease-and-desist debt validation is attached to this complaint. 

( XXXX ) Cease and Desist validation of Debt ( XXXX ) XXXX correspondence from Resurgent Financial Services ( 1 ) Captial One Credit Card Statement Resurgent Financial Services XXXX XXXX XXXX XXXX XXXX C/o XXXX XXXX XXXX XXXX, SC XXXX LVNV Funding LLC XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I sent the company and they didn't want to except a second payment. They wanted me to sign up for credit repair saying there were a lot of regularize on my credit report and with the XXXX XXXX account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/year>, I discovered an unauthorized interest charge of {$7.00} on my Discover Bank account statement. I contacted Discover Bank customer service to dispute this charge, as I had not been informed of the specific policies that led to this interest accrual. 

During the initial chat session on XX/XX/XXXX, a customer service representative named XXXX acknowledged the error and assured me that a credit of {$7.00} would be applied to my account within XXXX hours. However, after XXXX hours, the credit did not appear on my account. 

On XX/XX/year>, I contacted Discover Bank customer service again to inquire about the missing credit. A representative named XXXX confirmed that the adjustment had been made but stated that it would take another XXXX hours to reflect on my account. Despite this assurance, the credit was still not applied after the specified timeframe. 

As of XX/XX/year>, XXXX days after the initial promise of a credit, the {$7.00} credit has not been applied to my account. I have contacted customer service multiple times, and each time I have been given conflicting information and further delays. 

It is important to emphasize that this complaint is not solely about the monetary value of {$7.00}. While the amount may seem trivial, the issue at hand is a matter of principle and consumer rights. Discover Bank levied an unauthorized charge due to policies that were not properly communicated to me. Furthermore, their repeated failure to rectify the situation and provide the promised credit demonstrates a concerning lack of respect for their customers ' time and rights. 

This repeated failure to provide the promised credit, coupled with the initial unauthorized interest charge, demonstrates a pattern of poor customer service and a disregard for my consumer rights. I would not dedicate my time and energy to pursue this matter for a mere {$7.00} were it not for the underlying principle of holding businesses accountable for their actions and ensuring fair treatment of consumers. 

It's clear that Discover Bank 's actions constitute a violation of my consumer rights, and this matter will not remain unresolved. I am prepared to pursue all available avenues to ensure that Discover Bank is held accountable for their negligence and failure to provide adequate service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax is still reporting inaccurate information on my credit report, which is not in compliance with 15 U.S.CODE 1681 Fair Credit Reporting Act. These addresses, names and employers do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: FL

Complaint narrative:
Requested a copy of credit report several times and was given a website that did not work at all.

Company response to consumer: Closed with explanation