vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am unaware of the details of this account on my credit report Per FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services. 

This is a breach of contract and an adverse action for exercising my rights. 

Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
The original company XXXX sent me a past due bill notifying me that I owe {$240.00}. However, on XX/XX/XXXX I received information from XXXX XXXX that this debt has been acquired by AmSher Corporate, and the new amount owed is {$730.00}, which I find to be extremely surprising and inaccurate. Upon contacting AmSher Corporate, I was provided with payment options without any explanation of the bill, in a manner that I found to be quite rude. At this point in my life, I am experiencing financial hardship due to unemployment and lack of savings. The company has offered me the option to start making payments by mail, as I currently do not have sufficient funds in my accounts. Furthermore, they were unable to verify the date of birth I provided, insisting that it was incorrect, despite my certainty regarding my own date of birth. This has led me to believe that the company may be engaging in questionable or even illegal practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: AL

Complaint narrative:
I reached out to XXXX XXXX XXXX XXXX  and did all the paperwork that was requested from them. XXXX down to the last stage of my application and thats needing my lender to verify my XXXX and upload the information to XXXX XXXX  so they could possibly pay off my home if my balance was under {$50000.00}. They have reached out to my Lender which is XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX. They have made several attempts to get the information but my Lender is not responding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX. XXXX XXXX. XX/XX/XXXX, XXXX XXXX sent and was returned to me. XXXX sent and stated that they werent the one who sent it XXXX. Calling from different phone numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Synchrony Bank-Care Credit XXXX on a payment plan XXXX XXXX amount still owed but different amounts are sent by mail XXXX taken, is in questioning because of different numbers calling but I respond every time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
My request for a review of accounts is being ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX Bank XXXX XXXX XXXX has falsely reported 3 late payments on my account to the credit bureau, when in all honesty i never used their credit card. i never had a payment to make but they called me and took payments. Upon asking they said they refunded my money back which is false. when i questioned more they said they adjusted the money in my credit balance.which i don't owe a single penny as there is o % credit usage on that account. upon asking they agreed that it's their mistake that they posted 3 wrong payments and that i should send a dispute to Credit Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and settle it. Which i did on the XXXX of XX/XX/2024 only for the transunion credit bureau to tell me that they investigated and contacted comenity bank and made changes to the account ( which is to remove those late payments from my credit report ) as they affect my credit worthiness and credit score. But, i don't see a single change. It is still the same. I contacted them regarding this and they said i should ask XXXX XXXX to send them a report requesting that they are at fault and these late payments should be removed from account, but why me? i asked for an investigation and should transunion not do that? i agree and go back to XXXX XXXX  asking to provide my report and admit to their faults and change my report with transunion and they respond with i should be writing to the same po box again requesting this? how many time do i keep doing this? if i am to keep a track of all communication and investiagtions, then what is whole point of my dispute? why can't people do their job? why is XXXX XXXX  not providing me or transunion the information? how many more months do i keep going back and forth asking for a resolution? how long do i keep waiting without buying a cr or a house or even rent an apartment? because this credit report hinders my ability to do any of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2023 I opened a Barclay 's Banana Republic credit card, which was supposed to be mailed to my home address within two weeks of the opening date. I did not receive the card, and as a result, I had to pay my initial bill over the phone. 

Since I did not receive my initial card, I have reported the card lost and have attempted to have a replacement card sent to my school address THREE times since opening the card. I still have not received my credit card, and as a result, I have not been able to create an account with the company, use my card, or view my credit score. 

Since I have been unable to use my card, my credit score is dropping due to low utilization. Each time I request a card over the phone, I am informed that I will receive it within 7-14 days, and the address I verify that the address they are sending the card to is correct, however, I have NEVER received my card. 

I would like to know what can be done about this, especially as this is impacting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Recently I, XXXX XXXX, was denied an extension of credit by XXXX XXXX. On XX/XX/year>, I applied for a personal loan at XXXX XXXX. 

As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim adverse action against a consumer. Pursuant to 15 U.S Code 1691 ( C ) you assume civil liability pursuant to 15 U.S Code 1691 ( K ) XXXX XXXX has violated my federally protected consumer rights. Also put a hard inquiry on my Experian credit report. And told me I was to receive a call back but didn't. 

15 U.S Code 1642 15 U.S Code 1681 ( M ) 12 CFR 1002

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: MIDFIRST BANK
State: MN

Complaint narrative:
I had an online savings account with Vio Bank. At some point, this account was closed. 

I called them to get information on the last transaction or disposition of the account, and they told me that they could not provide me with that information. I tried logging into my online account, and gave them my username, which then has a popup to verify my account by texting me at my mobile phone. I received the account code and tried to log in and it said that I needed to check my cookie setting. Which is wrong. 

So I called them to see if I had closed the account, or if it had been closed because of inactivity or something. They verified my information, but then told me that I had no account and they could not tell me when my account was closed or how it was, but that they would never close an account if it had a balance in it. I told them that wasn't true, there are state escheat laws that could require them to forfeit an account to a state under some circumstances. They said nevertheless they had no information and could not retrieve anything, but were sure I would have gotten my money from the account. 

it is possible that I even closed it, but in order to ensure that the money came to me, I want to be certain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed in attached document. According to 15 U.S. Code 1692j, it is unlawful to design, compile, and furnish any form knowing that such form would create a false belief in a consumer that a person is a creditor of the consumer or represents a creditor of the consumer, among other prohibited actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding the inaccurate reporting of account XXXX on my credit reports, which is in clear violation of the FCRA. It has come to my attention that all XXXX of the credit reporting agencies ( XXXX, XXXX, and XXXX ) are reporting conflicting information regarding the " date last active '' for this account. This discrepancy not only undermines the credibility of the information but also violates my consumer right to have a fair and accurate credit report. This is vital being that accounts with no activity are supposed to drop off credit reports after seven years. Furthermore, I must highlight that my information was compromised in the XXXX data breach, and I was never sent debt validation for this account. Therefore, the inclusion of this account is entirely unjustified and constitutes false reporting. Additionally, I would like to emphasize that this account is uncollectible under the statute of limitations, which is 4 years in the state of Texas. As such, its continued presence on my credit report is not only erroneous but also damaging to my creditworthiness and financial reputation. I have previously requested your method of verification, and you have failed to comply with this request, thereby further violating the Fair Credit Reporting Act 611 ( a ) ( 7 ). Should you persist in your non-compliance and failure to rectify this situation promptly, please be advised that I am prepared to take legal action to seek relief and monetary damages under FCRA Sections 616 and 617. I am diligently documenting all communications and actions taken in this matter for this purpose. I hereby demand the immediate removal of account XXXX from my credit reports. I expect confirmation of this action within 7-10 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
SOMEONE HAS WITHDRAWN {$500.00} FROM MY ACCOUNT AND I FILED A CLAIM TO GET MY MONEY BACK. IT IS FRAUD I DID NOT WITHDRAWL THAT MONEY! WELLS FARGO HAS TOLD ME IT WAS MADE IN ERROR AND SOMEONE I MAY KNOW OR ME MADE THIS TRANSACTION THAT IS FALSE!!! I NEED MY MONEY BACK.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Leopold & Associates, LLC
State: NY

Complaint narrative:
XX/XX/XXXX. I had to call the debt collector company from XXXX XXXX XXXX to pay over {$2000.00}. I never asked nor took out a student loan from college. I failed all my classes due to peer pressure and feeling excluded. I have no way of paying back the money. I have not received any mail recently about the debt I owe. I was told that specific debt collect agency only takes credit cards not cash. Ever since, the debt I owed from XXXX, I have not received mail about the debt I owed and I do not know much I owe now. I am stuck and I just want to be debt free from college of XXXX. The only number I have is ( XXXX ) XXXX and I can not make out what the name of the debt collectors they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: TX

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. 

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 2024-01-29 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: CT

Complaint narrative:
I am requesting that it will be removed from my credit report 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 explanation
Consumer complaint received 2024-01-29 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: CA

Complaint narrative:
I am writing to dispute the collection account listed on my consumer report, which is associated with XXXX XXXX XXXX. The information regarding this account is inaccurate and I have no recollection of ever doing business with this collection agency or signing any agreement with them. 
According to the Fair Credit Reporting Act ( FCRA ), it is unlawful to report inaccurate information on a consumer 's credit report. As such, I request an immediate investigation into this matter and the deletion of the account from my consumer report. 
Here are the details of the account in question : -Collection Agency : XXXX XXXX XXXX - Balance : {$250.00} - XXXX XXXX paid off - Date Opened : XX/XX/2023 - Account Number : XXXX I have no record of any business dealings with the mentioned collection agency. As such, this account is in violation of the FCRA and should be removed from my consumer report without delay. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take the necessary actions to ensure the accuracy of my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My Venmo account has frozen and they wont release my funds!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: TX

Complaint narrative:
See the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: CT

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am unaware of the details of this account on my credit report Per FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services.

This is a breach of contract and an adverse action for exercising my rights.

Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. ''

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