vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-21 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: MD

Complaint narrative:
The late payment on XX/XX/2022 ( XXXX XXXX  ) is reporting inaccurately and must be removed 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 non-monetary relief
Consumer complaint received 2023-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I called my lender when I was 60 days behind earlier this month. cap one and I made a payment plan arrangement as I am a XXXX new mother and called to make a payment arrangement. They agreed to a 3 month agreement at XXXX a month by the XXXX of each month. They subsequently closed my card and said I violated the customer agreement by missing a payment, resulting in a hard inquiry and defaulted to payments I can not make. I discovered this when I opened a letter sent by them on the XXXX and received by me a day before my payment. My credit score has been compromised and my public assistance and doctor 's sign off that I'm permanently and totally XXXX were documents I offered and they said they didn't need them and they wouldn't help negotiate a better agreement. I told them I'd still work with them and they have seriously damaged my credit and didn't indicate what I supposedly did to violate the customer agreement resulting in damage to my credit score and a payment plan cancelation and I'm told I'm going to be taken to court now. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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: FL

Complaint narrative:
On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section .611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. it has been over 60 days so they should have Been deleted promptly. I demand these accounts deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the XXXX date breach and may have got into the hands of the wrong person.

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 2023-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: NC

Complaint narrative:
AWA COLLECTIONS XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX account. {$570.00} past due as of XX/XX/2023. 

XXXX account. {$570.00} past due as of XX/XX/2023. 
Past Due Amount {$570.00} Original Balance {$490.00} 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection ( b ), ( c ) 15 U.S. Code 1692e - False or misleading representations 15 U.S. Code 1692g - Validation of debts Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My privacy rights have been violated and so have my hippa rights as a medical bill is private personal information I did not agree for my personal information to be sold off to a third party collection agency I have never been to this facility Ive asked for the original proof of validity for this debt The address associated with this debt does not exist I have not gotten any notification of debt or collections from any of the companies requesting payment for the debt amount Yet its reporting to my credit profile without them verifying its validity to me AWA Collections is also illegally processing debt in a state it is not authorized or licensed to operate in AWA Collections is not authorized by NC to practice debt collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
To quicky explain, I went to Wells Fargo to apply for a credit card and they denied Me. For their own reasons I have been financially cast aside and lost at sea, dealing with Wells Fargo as a banking institution. Their practices have proven to be discriminatory toward their indigenous abOriginal American customers, I see.

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 2023-05-21 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting on my credit report. According to the information provided by XXXX, XXXX and TransUnion ], there is a late payment listed on my account for XXXX XXXX XXXX. I would like to emphasize that I have never been late on this account, and I hereby request that you provide proof of this alleged late payment. 

I believe it is essential to address this issue promptly, as an inaccurate late payment notation can have a significant negative impact on my creditworthiness and financial standing. Therefore, I kindly request that you provide documented evidence of the alleged late payment, such as transaction records, to support your reporting. 

If you are unable to produce verifiable proof of the late payment in question, I insist that you take immediate action to delete this erroneous information from my credit report. As a consumer, I have the right to accurate and fair reporting, and any false or misleading information should be rectified in a timely manner. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost professionalism and diligence. I am confident that you will conduct a thorough investigation into my complaint and take the necessary steps to rectify the inaccurate reporting. 


I appreciate your attention to this matter and your prompt resolution of the issue. I look forward to receiving your response within the timeframe stipulated by law. Should you require any further information or have any questions, please do not hesitate to contact me at the phone number or email address provided above

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 2023-05-21 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting on my credit report. According to the information provided by XXXX, Equifax and XXXX ], there is a late payment listed on my account for XXXX XXXX XXXX. I would like to emphasize that I have never been late on this account, and I hereby request that you provide proof of this alleged late payment. 

I believe it is essential to address this issue promptly, as an inaccurate late payment notation can have a significant negative impact on my creditworthiness and financial standing. Therefore, I kindly request that you provide documented evidence of the alleged late payment, such as transaction records, to support your reporting. 

If you are unable to produce verifiable proof of the late payment in question, I insist that you take immediate action to delete this erroneous information from my credit report. As a consumer, I have the right to accurate and fair reporting, and any false or misleading information should be rectified in a timely manner. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost professionalism and diligence. I am confident that you will conduct a thorough investigation into my complaint and take the necessary steps to rectify the inaccurate reporting. 


I appreciate your attention to this matter and your prompt resolution of the issue. I look forward to receiving your response within the timeframe stipulated by law. Should you require any further information or have any questions, please do not hesitate to contact me at the phone number or email address provided above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
ALL Credit Inquiries with XXXX XXXX need to be removed 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 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Kikoff Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I attempted to transfer money from my checking account to my Kikoff and noticed that I was logged out. I attempted to login but received an error code that the service connection could not be established. I went to the Kikoff website online to try to log in that way and an error code appeared instead. I have contacted the companies customer service for their card services numerous times and was told that they were escalating a ticket. I have asked for manager after manager to try and get this issue resolved because they do not have a telephone number for their credit repair services you have to rely on an email and the app. I have sent numerous email and received some replys advising me that someone was working on it and they would update me soon. It has been XXXX days since I have been unable to log into the app of a company that has ALL of my personal information. This is a very uncomfortable situation to be in especially when you cant do anything about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On XX/XX/2022 at XXXX I made a {$200.00} cash payment on my XXXX  XXXX credit card issued by comenity Bank , inside the XXXX  XXXX store located at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX. In XXXX I realized the {$200.00} was not applied to my card. I contacted comenity Bank and gave them the information off of the receipt. I was told it would take up to 90 days. I was sent a letter saying if they needed additional information they would contact me. After 90 days comenity bank sent a letter saying they were closing the case due to lack of information. I emailed and sent a copy of the receipt from the store showing the {$200.00} payment. It's been 6 months since first contacting them and today I got another letter stating that it may take up to 90 days to complete the investigation and if they need more info they will contact me. I've been getting charged interest on this {$200.00} that I paid 6 months ago and they are not applying the payment to my card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
I have been attempting to get a debt validation letter from Spring Oaks Capital , LLC for {$4800.00} since XX/XX/2023. That is the date that I sent a request for debt validation letter via email. I also have sent three letters by mail via the U.S Postal Service. I received a package from XXXX XXXX XXXX that was dated XX/XX/2023 at my address. However the documentation that was included in the package was for a person named XXXX XXXX XXXX for an amount of {$2100.00} from XXXX XXXX. So I am unsure if I am being scammed at this point. 
I have been receiving letters in the mail from local debt attorneys that have stated there is some type of lawsuit against me from Spring Oaks Capital , LLC but I have not received any paper work from them stating as such and as XX/XX/2023, I still have not received a debt validation letter with my signature that states that I owe Spring Oaks Capital anything. 

I have reached out to the company by their customer service email stating that I never received a debt validation letter but the information I received was for someone else and I still have yet to get a response back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2023-05-21 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act.The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Account # XX/XX/XXXXXXXX # XXXX {$490.00} Account # XXXX XXXX # XXXX XXXX Account # XX/XX/XXXX # XXXX {$1500.00} Account # XX/XX/XXXX # XXXX {$0.00} Account # XX/XX/XXXXXXXX # 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 record of convictions of crimes which attedates the report by more than seven years. 15 U.S.C 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc.
State: MD

Complaint narrative:
On XXXX XXXX a unauthorized Purchase from XXXX XXXX XXXX was made through my Self Lender Credit card. I did not approve or acknowledge these charges. I disputed the Charges immediately after i saw the purchases to self lender over the phone. For two months i was hospitalized and was sent a letter from self lender stating the companies have disputed these transaction was accurate and with evidence stating the items was shipped to my home. Which is a not a valuable proof and these items was never sent to my home. The letter also stated i had a certain time frame to respond to this letter to dispute the company 's claims. i did not open or view these letters until i got home two months after being hospitalized. so it was past the time frame to dispute my claim. I sent the dispute in anyways along with stating i was hospitalized and was unable to respond in a timely manner because i was not home to receive my mail. Federal consumer law states no consumer should be held liable or responsible for fraudulent charges. after sending in my response for the claim. i received a letter that my case was closed and I have been held responsible for these charges because i did not respond in time and the companies sent proof via shipping stating packages was delivered. 
Because of this it is affecting my consumer credit report due to my my credit over 30 % usuage which has stopped me from receiving credit.

Company response to consumer: Closed with explanation