vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: D&A Services, LLC
State: FL

Complaint narrative:
The following statement below was sent to D & A Services , LLC of IL Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
COMENITYCAPITAL/ XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX ( XXXX ) XXXX Someone tried to open an account with the company listed above, I tried calling the company and the call just drops. I then called XXXX, and they were unable to get in contact with the company also. 

I also put in a claim for a frog that was done yesterday on my XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
XXXX of the XXXX : Please provide detailed documentation that substantiates the validity of this debt. This documentation should include the original creditor 's name, the date of the last account activity, and a copy of any written agreement or contract that binds me to this debt. 

Proof of Authorization : If this charge is related to a contract or agreement, I request proof that I authorized this charge or agreed to the terms and conditions. Please provide any documents that demonstrate my consent or agreement.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

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.

has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

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.

has violated my rights. Or a list of inquiries : 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 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 2023-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: KY

Complaint narrative:
Attempted multiple calls to NELNET and unable to get anybody on the line. Their website states I must call to receive login information, and I can't pay without logging in. I am sending a letter today requesting administrative forbearance due to incorrect payment calculation ( ~ $ XXXX ) when the fed loan calculator states my payment should be $ XXXX based on my tax returns. NELNET is grossly mismanaging accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
My vehicle was totalled out by XXXX XXXX and the amount owed was at the original amount of the loan when I took it out with US Auto Sales. I told them this was incorrect and that I did not sign a contract with them for my vehicle. It should have been closer to $ XXXX {$10000.00} after what I put down and my bi monthly payments. I was hung up on every time I tried to speak with a,. The insurance paid out {$9800.00} which was what was owed on the vehicle. They are reporting that I still have a balance and am XXXX days behind.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I used my XXXX card from wells fargo to pay my rent, the credit limit was higher than the payment amount, for XXXX and XXXX payment it both bounces back and XXXX did not resolve my issue, and occured me XXXX dollars of fee for these XXXX transactions

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 2023-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased a used car in XXXX a XXXX. and unfortunately, it was repoed in XXXX and sold by the tow yard for {$3000.00}. Lobel Financial has been garnishing /wage attaching my paycheck since XXXX. I currently been with my new employer since XXXX and here comes an attachment from Lobel Financial again, filed XX/XX/XXXX. what the heck I recently saw on google that the had a class action lawsuit filed against them in XX/XX/XXXX. and lost. So now why are they coming for me again with a vehicle that was reposed and sold from XXXX this can't be legal. I need help! they trying to get 25 % of my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: NY

Complaint narrative:
I am filing this complaint to EQUIFAX for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. 
As I checked my credit report these fraudulent accounts are still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: MN

Complaint narrative:
I have a credit collection agency that popped up for a {$52.00} debt from XXXX XXXX XXXX Im unsure why, as I havent had progressive for YEARS and I was never once contacted by anybody about any possible past debt nor was I EVER contacted by the collection agency. I was never given a wrote to dispute or an explanation of why or what for. If I didnt have an app to watch my credit I NEVER would have even known they were dragging my credit down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: GA

Complaint narrative:
I HAVE REACHED OUT TO EQUIFAX SEVERAL TIMES CONCERNING THE NEGATIVE IMPACT ON MY CREDIT REPORT. THIS HAS CAUSED A GREAT DEAL OF STRESS AND MISSED OPPORTUNIES FOR ME. LATE /MISSED PAYMENT FROM TWO CREDIT CARDS XXXX XXXX XXXX XXXX  AND A PERSONAL LOAN ALL FROM XXXX XXXX XXXX . THIS NEGATIVE REPORT IS A DEFLAMATION OF MY CHARCTER. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act Convergent Account # 12345, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Sent from

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: AZ

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: MI

Complaint narrative:
I have disputed an account with a collection agency ; asking them to FULLY VERIFY AND VALIDATE this debt. This is my FOURTH letter from this collection agency; refusing to send all required and requested. I am entitled to the following documentation to fully validate a debt : 1 ) Original account number 2 ) Alleged amount owed 3 ) MY WRITTEN SIGNATURE with the original creditor 4 ) My written signature to have my account sold to a third party 5 ) Itemized copies of entire billing history of alleged debt The only information this debt collector will send is an itemized alleged billing history. There is no proof of ownership, nor proof that this company can collect debts in my state.

There is no written signature by me with alleged creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries/Opened lines of credit/credit cards that I do not recognize and did not authorize anyone to pull my credit report or use my credit. 
Attached are my proof of address, social security card and my passport The inquiries, lines of credit and credit cards made by the below listed companies : Please remove Late Payment as this is incorrect and being used fraudulently XXXX : XXXX XXXX XXXX  Please remove Late Payment as this is incorrect information and is being used fraudulently Transunion : XXXX Please remove theses fraudulently addresses on le : XXXX XXXX XXXX, XXXX, FLORIDA, XXXX, UNDEFINED XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX Please remove Late Payment as this is incorrect information XXXX : XXXX XXXX XXXX  Please remove unauthorized inquiries XXXX : XXXX XXXX XXXX XXXX Please remoce unauthorized inquiries Transunion : 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 non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries/Opened lines of credit/credit cards that I do not recognize and did not authorize anyone to pull my credit report or use my credit. 
Attached are my proof of address, social security card and my passport The inquiries, lines of credit and credit cards made by the below listed companies : Please remove Late Payment as this is incorrect and being used fraudulently Experian : XXXX XXXX XXXX Please remove Late Payment as this is incorrect information and is being used fraudulently XXXX : XXXX Please remove theses fraudulently addresses on XXXX : XXXX XXXX XXXX, XXXX, FLORIDA, XXXX, UNDEFINED XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX Please remove Late Payment as this is incorrect information XXXX : XXXX XXXX XXXX  Please remove unauthorized inquiries Experian : XXXX XXXX XXXX XXXX Please remoce unauthorized inquiries XXXX : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX? XXXX, XXXX XXXXXXXX XXXXL, XXXXXXXX XXXX  XXXX XXXX , XXXX  XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX.

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 2023-10-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: NC

Complaint narrative:
The CRA " Experian '' is reporting incorrect information about me on my consumer disclosure and it is causing me irrefutable harm and has been for years now. I have advised and sent in disputes on several different occasions over the past 3 years, which has not been investigated properly. I have also sent proof which was ignored as well. 
I was on a child support judgement and payments were being taken from my paycheck, but were not being credited towards my account. I noticed I was being reported as late on my consumer report and contacted the case worker and my employer. Per my employer payments were sent and I was given check numbers to send to the child support agency for tracing. Once I sent these to the child support caseworker it was another 3-4 months of late payments reported before the payments were applied to my account. The payments were applied as of the date they were located and not the date they were sent. This is unfair to me! I contacted the case worker about this and told her about the damage it had done to me and her response was, " Perhaps you should contact your employer '' regarding the late payments. The case worker is from XXXX XXXX XXXX. I have submitted 2-3 different disputes requesting an investigation into this from Experian and NOTHING was corrected despite the mountaiin of evidence that was submitted. They update that the account was closed as of the incorrect date and left the late payments to continue to poorly affect me. 
1. A proper investigation was not completed upon my expressing the many violation against me. 
2. My request for method of verification was ignored. 
3. Child Support Enforcement has provided an undeliverable address and no other contact information for me to resolve this issue ( per my report ). How is this to be resolved if my case worker will not assist and actually wants to continue to cause me financial harm rather than assist in correcting their error, Experian refuses to complete a proper investigation or respond to my requests for method of verification? I was forced by NC general statute to have the payments withdrawn from my paycheck. I have no culpability in this matter. 
4. Child Support Enforcement refuses to provide anything but an erroneous address for my disputes.

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