vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-24 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: OH

Complaint narrative:
i am submitting these documents as requested by your company i am letting you know that my rights have been violated multiple times by your company and you have broken numerous laws - 15 USC 1681 SECTION 602 A STATES I HAVE THE REIGHT TO PRIVACY -15USC1681 SECTION 604 A 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH OR REPORT ANY INFORMATION TO ANYONE OR COMPANY WITHOUT MY WRITTEN CONSENT OR INSTRUCTIONS-OR IF THE INFORMATION IS INNACURATE AND YOU HAVE NOT PROVIDED ANY WRITTEN INFORMATION SHOWING ANY OF THIS THE ACCOUNTS LISTED BELOW DELETE THEM FROM MY 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 XXXXREMOVE ALL INQUIRIES THEY ARE UNAUTHORIZED

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 2023-03-24 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: OH

Complaint narrative:
i am submitting these documents as requested by your company i am letting you know that my rights have been violated multiple times by your company and you have broken numerous laws - 15 USC 1681 SECTION 602 A STATES I HAVE THE REIGHT TO PRIVACY -15USC1681 SECTION 604 A 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH OR REPORT ANY INFORMATION TO ANYONE OR COMPANY WITHOUT MY WRITTEN CONSENT OR INSTRUCTIONS-OR IF THE INFORMATION IS INNACURATE AND YOU HAVE NOT PROVIDED ANY WRITTEN INFORMATION SHOWING ANY OF THIS THE ACCOUNTS LISTED BELOW DELETE THEM FROM MY 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 XXXXXXXX ALL INQUIRIES THEY ARE UNAUTHORIZED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Ive disputed this debt numerous times trying to verify an original contract and balance information. I have never received validation or information on original balance. There has not been a note or memo on collections to reflect my dispute. Lastly this company every month puts an inquiry on my report and updates the balance every 30 days. This company is harassing me.

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 2023-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VIRTUOSO SOURCING GROUP, LLC.
State: FL

Complaint narrative:
I have XXXX XXXX account. I have been having problem with them for non payment which is not true. There cut off my services XX/XX/XXXX because they said I missed payments but when there checked the records they said it was there mistake and my payments would be {$38.00} for 12 month then back to regular payments {$48.00} for 10 months. So, is XX/XX/XXXX they had come back to reconnect my services Plus in XX/XX/XXXX they sent new contract that was on my My ADT App for {$48.00} without my signature. This is not what was told to me on the telephone XXXX XXXX. Now, XXXX XXXX disconnect my services again and sent my filing to debt collection - Virtuose Sourcing Group stating I owe {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I HAVENT EVEN BEEN ABLE TO USE MY ACCOUNT SOMEBODY KEEPS HACKING MY STUFF PRETENDING TO BE ME AND GETTING CREDIT MONEY OFF MY ACCOUNT WHICH HAS MADE MY ACCOUNT 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 2023-03-24 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: GA

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. XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I REQUEST FOR THIS COMPANY TO VERIFY BY PRODUCING A CERTIFIED COPY OF A LETTER WITH MY WRITING CONSENT GIVING THIS COMPANY PERMISSION TO FURNISH MY PERSONAL 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 explanation
Consumer complaint received 2023-03-24 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
A checking account with Truist Bank was opened last year. This was disputed ( Case XXXX ) and closed. There is still a personal loan open on my credit report with Truist Bank from XX/XX/22 {$9900.00} account balance. Account number XXXX ( last 4 dont show on XXXX credit report ) This is another identity theft issue left unresolved for over 8 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 2023-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Valor Intelligent Processing, LLC
State: IN

Complaint narrative:
Ive spoke to 4 employees with the company " Valor Intelligent Services '' asking to speak with superbvisor conceerning their repeated calls yet to no avail. I get lied top and lied to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Arena Investors, LP
State: MD

Complaint narrative:
Friday, XX/XX/2023 To : XXXX XXXX XXXX XXXX I received a form letter from your company today regarding a payment of {$12.00} ( Our Account # XXXX ) for a XXXX 's Magazine subscription that I never requested nor asked for. 

I tried calling your XXXX telephone number, but that effort was to no avail. 

Either way, I never subscribed for this magazine, so please delete my name from your delinquent files for this. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive tried several times disputing an account with Experian, a Bankruptcy that is being reported incorrectly. Lastly disputed this account in XXXX per Experians notification this account was verified via a third party vendor XXXX. Please see attached letter from XXXX, there is no bankruptcy being reported please delete and removed this information from my credit report as it is an incorrect representation of me. Experian continues to disregard any reinvestigation into this dispute they automatically send the same letter stating verified when clearly the third party is not verifying anything as they have nothing on their end. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
Ive disputed this debt numerous times trying to verify an original contract and balance information. I have never received validation or information on original balance. There has not been a note or memo on collections to reflect my dispute. Lastly this company every month puts an inquiry on my report and updates the balance every 30 days. This company is harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A checking account with XXXX XXXX  was opened last year. This was disputed ( Case XXXX ) and closed. There is still a personal loan open on my credit report with XXXX XXXX  from XX/XX/22 {$9900.00} account balance. Account number XXXX ( last 4 dont show on TransUnion credit report ) This is another identity theft issue left unresolved for over 8 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 2023-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: TX

Complaint narrative:
A newly opened veterinary hospitaXXXX XXXX my Emotional Support Animal ( ESA ) - an XXXX XXXX XXXX- through their incompetent medical care. To add insult to injury, the animal hospital, XXXX XXXX XXXX told me I owed them around {$1800.00}! Link below : XXXX XXXX XXXX  When I say " newly opened '', I'm referring to the recent acquisition of this animal hospital by a new national consolidator of animal healthcare, XXXX XXXX XXXX : Link below : XXXX XXXX XXXX When XXXX XXXX XXXX was acquired by XXXX XXXX XXXX, most of their excellent highly-skilled veterinarians and technicians left XXXX XXXX XXXX. What was left was an entirely new practice with new veterinarians who were XXXX XXXX XXXX employees. Their new " medical director '' needlessly XXXX  my Emotional Support Animal of over 11 years. Since I'm currently dealing with XXXX XXXX  and all that goes with treating my XXXX, I needed my ESA more than ever. I am XXXX  years of age. 

The new practice manager at XXXX XXXX XXXX, a XXXX XXXX XXXX employee, called me and told me I owed them {$1700.00}. I informed her that I would not pay them for XXXX my dog. She informed me she would escalate the matter to the appropriate management at XXXX XXXX XXXX. 

I heard nothing from XXXX XXXX XXXX or XXXX XXXX XXXX apart from the phone call referenced above in late XXXX of XXXX. I use a credit monitoring service, XXXX XXXX, that notifies me if any negative information shows up on my credit reports. 
On XX/XX/XXXX, I was notified by XXXX XXXX that the alleged debt in question was reported to the credit bureaus by a company called TEK-Collect, Link below : http : //www.tekcollect.com/Frontend/Content/Home The result of this reporting lowered my good credit score by around 70 points! Since battling XXXX is expensive, the last thing I need is for my credit to be damaged. In addition, the last thing I needed was some huge new corporate pet medical provider, XXXX XXXX XXXX to XXXX  my Emotional Support Animal through the incompetence of their new alleged medical providers. 

In summary : I do not believe this debt is fair in any way. Also, other than the phone call mentioned above I received in late XXXX of XXXX, I received no notice that the alleged debt would be turned over to TEK-Collect or any notice that the alleged debt would be reported to the credit bureaus. 

The resolution I seek. This is an invalid debt that was improperly reported to the credit bureaus. It should be expunged from my credit bureau records. I do not believe I should pay a new profit-over-pet vet care startup, XXXX XXXX  XXXX XXXX for killing my Emotional Support Animal when I need him the most while fighting XXXX. 

Thank you for considering this information. Please contact me if I may provide any additional information. 
Best regards, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I'm issuing a complaint against NetCredit Loans. NetCredit has placed an account in collections since XXXX, which opened due to fraud. I have sent NetCredit a copy of my police report and closed bank statement XX/XX/XXXX, indicating I was a victim of fraud. I've worked with NetCredit and XXXX numerous times to remove the account, and the company has refused to remove the negative mark and account from my credit report. I've been turned down for a loan due to the negative reporting and denied refinancing my student loans. The two companies are now violating the Fair Credit Reporting Act and performing defamation of character. A representative advised several months ago, NetCredit received my paperwork to work on the fraud activity, and I still have no results. On XX/XX/XXXX, a representative stated the fraud department closed my case without contacting me or removing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
i entered into a consumer transaction with Capital one in which a finance charge was involved. according to 15 USC 1605 a finance charge is a sum of all charges in a consumer transaction. i had also to to purchase separate auto insurance separately which was suppose to be included in the finance charge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX has repeatedly reported inaccurate information on my report. they have Allowed this company to report, update and belie facts of a charge off which blatantly disregards the law. See : inaccurate reports. 

I have reported them to the CFPB # XXXX. This report still didnt force XXXX to do their due diligence on the subject. They continued to falsify business records. 

The law states ; 1. my consumer report must be 100 % accurate ; 2. Upon such investigation the information must be modified or deleted.

3. A charge off is reported after 180 days 4. A company does have ANY right to report consumers transaction and experiences 5. No company shall falsify business records ; 18 U.S.C.. 471 & 473 6. No person shall report information thats known to be false The account balance should be reflecting {$850.00}. XXXX failed on numerous attempts to have accurate information report on my credit profile. 

XXXX violated every one of these laws and more.

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 2023-03-24 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: WA

Complaint narrative:
On XX/XX/2023 I purchased a {$200.00} Google XXXX gift card from XXXX. I received the code and was able to apply it to my Google XXXX balance with no issue. When I attempted to spend the money in my balance in an app, the purchase was declined and I was instructed to fill out a form for Google. The form asked me to provide receipt of purchase and the gift card code, which I provided. 

On XX/XX/XXXX, I received an email response from Google stating " Thank you for your patience while we reviewed your account. We have identified some inconsistencies with your account and the information you provided us. As a result, we are unable to help you redeem these gift cards. '' The email was sent from an address that does not accept replies, I was given no way to contact them back or dispute the resolution, nor was I given details on what exactly was wrong with the information I provided. I immediately contacted support and opened a new case. I was told that a specialist would look into it and reply within 24-48 hours. 

On XX/XX/XXXX, I still had not heard a response so I contacted chat support. I was told the ticket was escalated and I would hear back from a specialist in 24-48 hours. 

On XX/XX/XXXX, I still had not heard a response so I contacted phone support. I was told the ticket is already escalated and can not be escalated again, and that I'd hear back from a specialist in 24-48 hours. 

On XX/XX/XXXX, I still had no response so contacted chat support again. Was again told that I'd hear from a specialist in 24-48 hours. 

On XX/XX/XXXX, I am filing this complaint as it has been nearly 1 month the company has continuously missed their commitments to respond to my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: NY

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. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
Ive tried canceling with XXXX XXXX since XX/XX/2021. Ive tried online on the website. Tried calling and emailing them as well. They have made it extremely difficult to cancel a simple membership. Its almost impossible to cancel. I still do not know how the cancellation process works since I tried the XXXX methods ( website, calling, emailing ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orion Portfolio Services, LLC
State: MD

Complaint narrative:
They are using a third party collection company to try to make me pay a debt I have no knowledge of and is not on my credit report. I never had any type of credit thru XXXX XXXX XXXX XXXX so there is no way for me to owe any balance. But I received an email requesting payment from 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 2023-03-24 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:
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. XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I REQUEST FOR THIS COMPANY TO VERIFY BY PRODUCING A CERTIFIED COPY OF A LETTER WITH MY WRITING CONSENT GIVING THIS COMPANY PERMISSION TO FURNISH MY PERSONAL INFORMATION.

Company response to consumer: Closed with explanation