vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX, XXXX of XXXX  began servicing my mortgage. In less than 2 years, They began trying to adjust a fixed rate mortgage payment by at least {$900.00} per month. They began by stating that the property tax increased, which was not true. Next, It was the hazard insurance and I sent certified letters requesting time to purchase my own. They've never responded to at least 4-5 certified letters I've sent to them. Finally, I was forced into a loan modification in XXXX of XXXX. In addition, all 3 credit bureaus show a 3 year history of late mortgage payments of 30,60, and 90 days. I've never missed a mortgage payment, nor been late. I've, previously, filed disputes with all 3 bureaus without the issue being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I dont owe any collection company. I dont have a signed contact with any company. I request company to delete collection off my credit report asap p

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2023 I had cancelled my membership with Experian Credit report and received a refund from them. Every Month since then they had tried to charge me debit card for {$4.00} but the payment was always declined. Today I found that not only was charged {$4.00} but that they used a new card that i have not authorized them to use and never provided. When I spoke to customer service they told me that they can not return the {$4.00} and that I did provide the card which I knew i did not because is a new card with a service that I do not use since XXXX. I asked to direct my call to a supervisor. Supervisor, XXXX spoke to me and told me that she needed to transfer me to billing because she was not able to help me with the issue. This was around XXXX XXXX Then she transferred me to XXXX in Billing to whom i explained the above situation, she told me that this is the first case they have like this. I told once again to her that i did not provide my debit card information, neither i did authorize any charge. She asked to wait in the line and them transfer me to the direct line where someone else answered. The new person on the phone told me that they are not able to connect me with the same specialist that i was talking to. I am frustrated to identify how Experian obtained my Debit card information and the authorization. I have all the e-mails including the one yesterday where my old card was declined. My membership number with them was 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 monetary relief
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc
State: CO

Complaint narrative:
On XX/XX/23 at XXXX I contacted a debt collection company to discuss a {$330.00} balance I have with XXXX XXXX XXXX XXXX XXXX Before I contacted this debt company, I contacted my college. XXXX stated I should complete a tuition appeal form, since my issue is due to federal student loans coming in late, and they may be able to push the balance to be covered by financial aid awards. I was contacting Williams and Fudge to let them know what I was going to do about the outstanding debt. Again, I contacted them for help with a solution. The first representative was very rude and raised her voice at me. She told me what I was trying to do did not make sense, even though it is my right to dispute. She chastised me, said that I was going back and forth. I waited 10 minutes for a supervisor. She said " Well you didn't like what MY representative told you. '' Her representative? Clearly there are teams being played, and obviously I am not on theirs. I did not feel comfortable giving my address, so the supervisor said, " It's ok, you told me you received our letter, so we already have your information correct. '' She said it in a malicious threatening tone as if to say, fine don't give us your personal info, we already have it anyway! XXXX spoken with was XXXX or XXXX XXXX, told me she does not have an employee I.D . number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Acct no XXXX XX/XX/2020 XXXX {$1800.00} Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), 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 might 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 FCRA Violation of the FDCPA 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: SC

Complaint narrative:
I told them that I am not a student at XXXX XXXX XXXX  XXXX and I never sign for a student loan for {$9600.00} as reported on my Equifax credit report. I would like for this account to be removed immediately from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received an email on XX/XX/2023 that an account was opened under my name with my social security with XXXX XXXX XXXXXXXX. I called them the same day ask received the email and they closed the account for me, they informed that the account was closed and they I should call up to the 3 credit bureaus to let them know. I did receive another email that they tried again the next day ( XXXX XXXX XXXX ) but it didn't go further than that. 

THEN, I received an email on XX/XX/2023, that someone had opened an account under Capital One. I called them, I informed them about an account that was opened using my security information, including legal name XXXX street address, email, and social security number. They verbally told me the account was closed, that it would take up to 3 months to fully close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible.

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 2023-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am sending in a complaint/response to my previous complaint ( XXXX ). Not only did this company lie in their response to me I feel as though no effort was put into really looking at my case. They lied and stated that they tried to get in contact with me during the time I was trying to get a loan modification but they could not reach me. Not only is that a lie I was the one in fact calling them repeatedly to get my case settled and back on track with my loan. I would like Wells Fargo to prove that they have tried to reach me in any way and was unsuccessful in all their attempts. My phone number has literally been the same for the past XXXX years. And I remained in the home until they told me to get out. In my complained I stated exactly the respresentative I was in direct communication with the entire time I was going through the process and the person handling my current complaint ask me in the letter to whom did I speak with that told me not to begin making payments again until they completed the modification process. That in itself let me know not only did they not read me complaint, they did not research a thing in regards to my foreclosure because they should know the exact name of the rep that was helping me and all of the correspondences and documents that was exchange between she and I. They should have all of this information on file. If I had the money I would sue them directly for the way they have badly mishandled this entire situation. I honestly see why they been sued but the government and I hope they get sued again and go bankrupt.

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 2023-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: SC

Complaint narrative:
I have asked for proof showing that this company did a service for me and my signature on the service that they completed for me. I still have never received that information from this company. I notice on my XXXX report that they keep changing the date opening. This account is only on my XXXX report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am in the process of purchasing a home for my family and it was requested by a lender to pull my credit reports. As part of the review I found there are inaccurate items and should not be on my credit report. I understand mistakes happen but this needs to be fixed because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) 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 reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : Acct Name : XXXX XXXX XXXX with Account # : XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing 120 days past due multiple times according I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.

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 2023-03-23 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  : XXXX XXXX # : XXXX, XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 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 2023-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Phoenix Financial Services LLC
State: NY

Complaint narrative:
Dispute Center Let 's get started by taking a look at your report. 
Completed Disputes XX/XX/XXXX Phoenix financial serv XX/XX/XXXX Phoenix financial serv XX/XX/XXXX DISPUTE CENTER Report Number XXXX Date Generated XX/XX/XXXX PHOENIX FINANCIAL SERV Account XXXX Updated Information on this item has been updated Submit a new dispute with additional relevant information to XXXX at XXXX XXXX XXXX, XXXX XXXX TX XXXX. 
File a Complaint You may file a complaint about XXXX or the company reporting the item, with the Consumer Financial Protection Bureau or your State Attorney General 's office. You may submit a compliant to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or by mail at Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX IA XXXX XXXX 
Dispute With Other Bureaus There are 3 credit bureaus that report your credit information : XXXX, XXXX, and XXXX. You should check all three credit reports to be sure that the information in each is complete and accurate. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Disputes on XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Disputes on XXXX Our specialists are available to assist you : Mon - Fri : XXXX to XXXX XXXX Contact us : ( XXXX ) XXXX Report Number XXXX Date Generated XX/XX/XXXX Before After PHOENIX FINANCIAL SERV Your information may have changed since XX/XX/XXXX Account info Account name PHOENIX FINANCIAL SERVIC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$730.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$730.00} Balance updated XX/XX/XXXX Original balance {$730.00} On record until XX/XX/XXXX Payment history XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX Historical info Original creditor XXXX XXXX XXXX Balance history XX/XX/XXXX Amount of this account was {$730.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Your statement Y ITEM DISPUTED BY CONSUMER Comment : Current : I have never received a billing statement from these companies. I do not know about this debt. 

Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

This item was updated from our processing of your dispute in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: TX

Complaint narrative:
I am writing to dispute information on my credit report that I believe is inaccurate. Pursuant to 15 U.S. Code 1681s-2, I am requesting that you investigate the disputed information and correct any errors. 
Specifically, I am disputing XXXX XXXX. I have attached documentation that supports my claim and demonstrates that the information is inaccurate. 
I also request that you comply with the provisions of 15 U.S. Code 1666b, which requires you to notify the furnisher of the information that I am disputing the accuracy of the information they provided. If the furnisher of the information is unable to verify the accuracy of the information, it must be removed from my credit report. 
Furthermore, I would like to bring to your attention that the collection agency, [ name of collection agency ], is not licensed to collect debts in the state of Texas. Pursuant to Texas Finance Code 392.101, a person may not engage in debt collection in Texas without first obtaining a license. This collection agency has not obtained a license, and therefore, any attempts to collect a debt from me in Texas are illegal. 
I also request that you comply with the provisions of 15 U.S. Code 1692g, which requires debt collectors to provide validation of the debt within five days of their initial communication with me. To date, I have not received any validation of the debt. 
I request that you investigate these matters promptly and provide me with the results of your investigation within 30 days, as required by law. If you are unable to investigate and correct the disputed information, I request that you delete it from my credit report. 
Thank you for your attention to this matter.

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 2023-03-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Per the Fair Credit Reporting Act ( FCRA ) section 611 the credit reporting agency is required to give me the method of verification used for a dispute that they stated was verified no later than 15 days of my request. I am exercising my rights under the FCRA section 611 by requesting the method of verification used for the dispute Experian stated was verified and accurate. Report number XXXX, Account XXXX XXXX XXXXXXXX, Date XX/XX/2023.

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 2023-03-23 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 — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: NY

Complaint narrative:
fraudulent charges on their CashApp account. notified CashApp about the fraudulent charges on the account four months ago XX/XX/2022, but has not received any response from the company. 
The facts of the case are as follows : discovered several unauthorized charges on the CashApp account and immediately reported them to the company. made it clear that these charges were fraudulent and should be removed from their account. However, CashApp has failed to take any action in response to these reports. 
As a result, left with a victimless debt on their account that they are not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 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: AZ

Complaint narrative:
The following accounts are not mine, and these are fraudulent transactions of identity theft. 

1. XXXX XXXX  services original creditor - XXXX XXXX- {$360.00} Date XX/XX/2023 XXXX. XXXX XXXX XXXX original creditor XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) Amount - {$6500.00} Date - XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - {$690.00} Date - XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXt - {$1300.00} Date - XX/XX/2023 2023

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