vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 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: TN

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

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 2024-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finance System of Richmond, Inc.
State: FL

Complaint narrative:
I paid the original creditor, XXXX and XXXX XXXX in XX/XX/XXXX. I also started using a different service at that time for different reasons. XXXX  months later I received a bill for the same service, but for a different amount. I gathered proof and called their billing service on XX/XX/XXXX. They said it was a posting error and would correct it. They even said I had overpaid and that they had refunded my credit card on XX/XX/XXXX. Then they sent it to collections. Collection company wrote, offered me form letter, I responded by checking " this is not my debt ''. Then they started calling on XX/XX/XXXX, about once a week, but, I wasn't near my phone. I spoke with them on XX/XX/XXXX, told them the story. They asked for proof. I told them I had to redact my credit card statements and Explanations of Benefits. I asked for a mailing address. They responded that they would give me an email address after I called back and stated the redaction was complete. I want a paper trail. I.e. certified mail, return receipt requested. They have called daily since then, using 2 different numbers, but, my phone was not with me either time. 
I think they call themselves XXXX. XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
Around XXXX XXXX I got a call from this lady name XXXX. She was convincing me to take online courses to become an XXXX. At first I agreed then few days later I called her and sent her a email to let her know that Im no longer interested because Ive realized that Im making the wrong choice. When I called XXXX back she did not answer to my call but did return my call back a day later after she read my email. She was offended by my email because in the email I stated that Im no longer interested in attending your XXXX because I feel like something is sketchy with your company so she got offended and hung up on me. Ever since then XXXX XXXX has been calling my phone and harassing me talking about they are asking me to pay XXXX or they will bring me to court. Then they sent false information to my credit reports. After I made a dispute with both XXXX XXXX XXXX they agreed to remove the false collection account that they put on my credit report profile because, i sent them my exact proof for whom my XXXX XXXX are with and the name of the XXXX XXXX XXXX XXXX. Today I received a notification from my email saying theres a new collection account added to your XXXX credit profile. This time they added more false information by saying I open an account with them XXXX of last year in the amount of XXXX XXXX and go by another name just so they can go and put false claims on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have a Wells Fargo checking account. My account was frauded by multiple charges ( probably close to XXXX or more ) on XXXX XXXX. This occurred on XXXX XX/XX/XXXX. I noticed on XX/XX/XXXX. I notified my bank, and disputed claims. I do not even own an XXXX. Wells Fargo denied my claim and said there was no fraudulent activity noted. I am Stuck out of about {$1500.00} ( including multiple overdraft fees ) I even contacted XXXX and spoke extensively with multiple departments and they confirmed it did not come from my account but XXXX can not return my money. Im not asking for anything but my money that was fraudulently taken obviously, as I had never used XXXX XXXX and all of the money was taken between one day. Please help me, I am desperate at this point and have no idea what to do next

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 monetary relief
Consumer complaint received 2024-03-14 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: MA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a wellsfargo business account and I reported on XXXX that an ex XXXX of mine made a threat to steal my account. They noted the account with his name and my issue, placed a hard freeze on the account. The XXXX branch then the very next day GAVE THIS MAN MY ENTIRE BUSINESS ACCOUNT!!! Took my name off of it and gave it away within 1 day! Ive called and they refuse to talk to me saying Im not on the account. This man was NEVER ON MY ACCOUNT, nor was he a signatory on this account EVER! Hes since used my own financial documents to try and file a criminal case against me and has shut my business down. Ive lost ALOT of money from being closed down based upon the fact he placed an injunction stating that has been his business account. Had they never gave him access to MY ACCOUNT, and protected me, this man wouldnt have used my own documents against me claiming he owns said business! I warned them, they ignored me and protected me NONE!!! This will be a law suit unfortunately Im so upset!!

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: MA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NC

Complaint narrative:
My student loans were dismissed through the XXXX XXXX XXXX however, I still have a XXXX $ balance that says it is for " principle and interest. '' I have NO idea who my servicer is as, when you go to Mohela, it says that they have transferred my loans. But when you go to the studentaid.gov website it says I do not owe anything. 

How is it " fair '' that I pay " principle and interest '' that is being collected on a loan that has been deemed as fraudulent? I am starting over from ground up. I have no idea how I would even pay this money. I can not contact either of the servicers because the phones just hang up on you. 

I received a notification by mail that told me my Mohela account was being transferred some place ; I have no idea where now. My account on the XXXX website and my credit bureaus say it is Mohela reporting this. But when you contact Mohela they say they no longer have access to my records because it is being transferred. 

The credit bureaus did nothing with that report. They came up with their decision and nothing was changed. So, now I am back to square one trying to figure this out and not able to speak with anyone who will help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I recently did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer report agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer report 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 results of reinvestigation ; and ( ii ) promptly notify the furnish sure of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately ; 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 non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: VA

Complaint narrative:
I have requested information on the debt from this company from XXXX XXXX, 2023- XXXX XXXX, 2023. They have not sent me any information regarding the debt. I have sent them letters and letters to the credit bureaus requesting information. They sent whatever they sent to the XXXX and have not received XXXX document from them. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service because of this, I have faced financial hardship and its been hard for me to purchase a home with this unverified debt on my report. This agency has also not made an update from XX/XX/2023 and can not verify the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: MI

Complaint narrative:
To whom I might concern, I need help I seened my credit report XXXX TRANSUNION AND XXXX and called them because I have found inquiries that are not mine and I have asked them to erase it of my credit report I also contacted each company and ask them to erase an inquiry that is not mine and is done fraudulently. Please remove fraud inquiries of my credit report. The inquiries are 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. Also credit berau have incorrect information in an account that is paid off and I have the proof of it and I need it to be clear and paid off on time as I did paid off on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: MI

Complaint narrative:
To whom I might concern, I need help I seened my credit report XXXX XXXX AND EQUIFAX and called them because I have found inquiries that are not mine and I have asked them to erase it of my credit report I also contacted each company and ask them to erase an inquiry that is not mine and is done fraudulently. Please remove fraud inquiries of my credit report. The inquiries are 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. Also credit berau have incorrect information in an account that is paid off and I have the proof of it and I need it to be clear and paid off on time as I did paid off on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: MI

Complaint narrative:
To whom I might concern, I need help I seened my credit report EXPERIAN XXXX AND XXXX and called them because I have found inquiries that are not mine and I have asked them to erase it of my credit report I also contacted each company and ask them to erase an inquiry that is not mine and is done fraudulently. Please remove fraud inquiries of my credit report. The inquiries are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also credit berau have incorrect information in an account that is paid off and I have the proof of it and I need it to be clear and paid off on time as I did paid off on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I requested a credit line increase in early XXXX. On XX/XX/XXXX I got a digital alert in my Capitol One account telling me that I needed to provide proof of income via XXXX  months pay stubs. 

The problem was that I needed to fax them the documents within XXXX days. I don't have a fax machine. 

I called customer support several times over the course of XXXX weeks and they always responded with the same scripted response that fax was the only possible way to send this information. Is anyone even getting credit line increases at this company if they need to have a fax machine?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please review the attached documents. I request that the bureau initiates an investigation into these accounts. I have never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data XXXX, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data XXXX which raises concerns about the security of my personal data.

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