vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 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:
In accordance with the Fair Credit Reporting act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

This account has violated my rights ; Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NY

Complaint narrative:
Aargon Collection Agency provided a statement of account from their client, XXXX medical labs, attached. 
No attempts at collection are noted on the statement. Just Charge Off - Bad Debt. 
I was not aware of this XXXX or that they were providing services for one of my providers. 
I requested the verification of debt from Aargon and attempted to resolve the debt with XXXX as they recommended. I was unsuccessful with XXXX and was referred to the collection agency. 
No insurance activity is noted on the XXXX XXXX XXXX statement and the XXXX  and /or XXXX should have been fully covered by my insurances. 
Please assist!

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to bring to your attention a critical matter concerning the inaccurate reporting of late payments on my credit accounts. This letter serves as an official notice of your non-compliance or negligence with the Fair Credit Reporting Act ( FCRA ) and outlines the corrective actions required to rectify this issue promptly. I've addressed this in prior letters to no avail. The reported late payment information does not accurately and completely reflect my payment history.

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 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I received the following text messages : FreeMSG : SoFi Bank Fraud Center XXXX For a purchase amount of {$260.00} $ at XXXX on XX/XX/24. If valid reply YES, fraud NO. To Opt Out, STOP. 

FreeMSG : SoFi Bank Fraud Center XXXX For a purchase amount of {$96.00} $ at XXXX on XX/XX/24. If valid reply YES, fraud NO. To Opt Out, STOP. 

XXXX is the number they came from. I called the number and I heard dogs barking in the background doors opening and closing cabinets opening and closing and then the person came onto the line and called me XXXX. That is the name of my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One denied my claim because I do not have a receipt showing the correct amount. 

On XX/XX/2024, I took a taxi from XXXX XXXX XXXX to the XXXX XXXX. Before entering the vehicle, I confirmed the estimated fare with the driver, and he quoted XXXX. Upon arrival at my destination, I again verified the fare, and the driver simply nodded without providing a specific amount. He then presented a payment terminal without a display and requested payment via XXXX XXXX. 
After completing the payment, I received a receipt showing a charge of XXXX. I immediately disputed the excessive charge with the driver, but he refused to adjust the fare or provide a refund. 
I understand that Capital One requires proof of the correct fare to submit a dispute to XXXX. However, due to the fraudulent nature of the transaction, the driver did not provide a valid receipt reflecting the originally agreed-upon amount. It is unreasonable to expect a formal agreement when hailing a taxi. 
According to the Fair Credit Billing Act, I believe I am protected from unauthorized charges. I have already submitted documentation reflecting the customary fare for this route, which falls between XXXX and XXXX. 

I attempted to file a complaint through a consumer protection agency in the XXXX. However, the website indicated that filing a complaint requires XXXX or XXXX XXXX citizenship. 
Therefore, I submitted a complaint email to the taxi company. They responded via email, acknowledging the excessive charge and stating they would investigate. Unfortunately, I have not yet received a refund or any further updates from the taxi company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-01 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: TX

Complaint narrative:
I'm requesting a deletion for the following charged off account listed below. XXXX XXXX XXXX XXXX XXXX After checking my most recent report the updated information stated the account was purchased by XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please remove this account from my credit report. According to IRS an unpaid charge off is income and according to FCRA income can not be reported on a credit 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 2024-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I have an account with Fortiva. In XXXX of XXXX I made my minimum payment due and my payment was accepted online. I then received my statement saying my payment was reversed but they could not tell me why. I was also charged a {$30.00} late fee. I asked if the late fee could be reversed and they told me it would can be reversed if I paid the now minimum payment due of {$100.00} which {$55.00} was paid on XX/XX/XXXX and {$54.00} was paid on XX/XX/XXXX. Although I paid the amount requested I was charged another {$40.00} late fee. Since the the fees are non stop and my minimum due each month continues to go up. I have been making a payment each month but it does not help. In XXXX again my payment got reversed so more fees were added. I called again and they told me I had to make another high minimum payment and they would reverse the fee. After the payment was made they did not reverse the fee. I called again and they told me the person I spoke to gave me incorrect information and they would not remove any fees. I told them I could no longer afford to be making outrageous minimum payments when I have been making my payment every month but for some reason which can not be explained 2 of my payments have been reversed causing the fees to get out of control. I have not missed any payments but can afford to pay the payment due anymore since they get adding more and more fees. As of my last statement in XXXX my minimum payment due is {$260.00}. They are also reporting me late to the credit bureau which has dramatically decreased my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NY

Complaint narrative:
I have a total of 6 student loans. The loans were originally under XXXX Servicer but in XX/XX/XXXX all were transferred to Mohela Servicer. 
According to XXXX Credit Bureau they are reporting 12 student loans in my credit report. Instead of showing the actual 6 loans under Mohela. Its showing that I have 6 under Mohela and 6 under XXXX which is INCORRECT. 
I spoke several times to the credit department at XXXX and they said that they transferred all 6 student loans to Mohela and Mohela should have continued those 6 loans but instead OPENED 6 new credit lines and this is what has caused the error on my credit report. XXXX said only Mohela can rectify this issue because it was their error. 
I have been going back and forth with Mohela provided all documents needed and they still failed to resolve the issue. I first reported the issue beginning XX/XX/XXXX a supervisor at their credit department told me it would be fixed in 2 weeks. Its been almost 2 months and absolutely nothing has happened. Due to this error my credit report is showing my student loan debt to be doubled the amount of what it actually is, its showing {$82000.00} in student loan debt which is completely FALSE. 
This is greatly impacting me in my finances. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I attempted to wire {$28000.00} to XXXX XXXX XXXX XXXX, from the XXXX XXXX XXXX. They emailed me and told me to wire the money to the account number of XXXX and the routing number of XXXX. 

About two hours later, before I had gone to the XXXX XXXX XXXXXXXX in order to wire the money to that account number and routing number, I received another email from the email account of XXXX XXXX saying to disregard the previous email and that account and routing number were no longer working and I should instead wire the money to account number XXXX with a routing number of XXXX. 

XXXX XXXX says they never received the money.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: CA

Complaint narrative:
On the date of XX/XX/24, I filed a credit report dispute with XXXX concerning a collection entry attributed to IC Systems on my credit report. Within my dispute submission, I furnished concrete legal evidence validating the full payment and settlement of the account in question. This submission substantiated that the collection attempt was not only unlawful in its pursuit of debt recovery, but also posed a detrimental threat to my credit history. Regrettably, the subsequent investigation by the credit reporting agency conspicuously dismissed the irrefutable documentation I presented as evidence. Instead, undue emphasis was placed solely upon a statement offered by the collection agency. This course of action undermines the legal protections outlined in state statutes, which are designed to safeguard consumers against unfair and illicit credit reporting practices. I am deeply concerned by this blatant disregard for the legal rights and protections afforded to me as a consumer. The actions of both the credit reporting agency and the collection agency deviate from the parameters set forth by state law, infringing upon the fundamental principles of equitable and transparent credit reporting. I am appealing to the Consumer Financial Protection Bureau to ensure that my rights are upheld, and that the appropriate corrective measures are taken to rectify this situation. It is my firm belief that through the enforcement of relevant state laws, my case will be given the legal consideration and confidence it rightly deserves

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 2024-05-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
To whom it may concern : The right to contest my credit report is something that every American has. 
In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I am exercising this privilege. I understand the nature of these proceedings - it's not just about whether or how much money was owed ( although we will explore both ), but also what kind of debt load can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable. I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it. You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations. This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and in compliance with XXXX XXXX format reporting standards. 
I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) .Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately. I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ). The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: MD

Complaint narrative:
First and foremost, they hire complete incompetence that can not assist with anything. LET ALONE the fact that I stated what was needed from the very beginning. Can't get past incompetence to get the issue resolved. INTENTIONAL! 

Second, I have submitted the same exact disputes multiple times dating back almost 3 years. The information I provided was accurate and true. All statements, all notations, and a large majority of my credit statements were altered, delated, and/or modified without my consent. And I can tell it wasn't the creditor that did it. Creditors have disappeared off of my account. Especially, my mortgage. That is a government cover up! My mortgage servicer was sued by my state of Maryland for alleged fraud. A year after I filed my unemployment cases from XXXX, I was informed by a supervisor from the Department of Labor that my account was marked as fraudulent with zero notification or any reasoning for marking as such. It wasn't fraudulent. The only thing that was fraudulent was I reported to the Inspector General and Directors of government agencies that the only piece of documentation that was used in my assistance determinations was my XXXX XXXX mortgage statement. They did not include any of the other documentation of all my other bills ( utility, etc. ) in those determinations for decades. Along with XXXX XXXX assistance and child support ( for an absent parent on XXXX XXXX ) never received and in a second mortgage as documented in my HUD form provided to them from the now sale of my property. And individual statements and information on my consumer statement continue to disappear off of my report that need to be there. As it is illegally and intentionally being reported as adverse and negative impact on my report that should not be. 

THE TRUTH IS I DID NOT RECEIVE PANDEMIC ASSISTANCE AND ZERO UNEMPLOYMENT STILL OWED TO ME IN FULL. I COMPLETED ALL DOCUMENTATION AND STATEMENTS NEEDED TO RECEIVE MY UNEMPLOYMENT TIMELY. NOTHING would have gone delinquent had I received my money and/or employment. There are no jobs. AS YOU CAN SEE, only incompetence is being hired to resolve NOTHING! 

MY CREDIT REPORT CONTINUES TO BE INACCURATE AND FALSELY BEING REPORTED CAUSING DETRIMENTAL EFFECTS IN A DISCRIMINATORY AND RETALIATORY MANNER!

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 2024-05-01 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: MD

Complaint narrative:
First and foremost, they hire complete incompetence that can not assist with anything. LET ALONE the fact that I stated what was needed from the very beginning. Can't get past incompetence to get the issue resolved. INTENTIONAL! 

Second, I have submitted the same exact disputes multiple times dating back almost 3 years. The information I provided was accurate and true. All statements, all notations, and a large majority of my credit statements were altered, delated, and/or modified without my consent. And I can tell it wasn't the creditor that did it. Creditors have disappeared off of my account. Especially, my mortgage. That is a government cover up! My mortgage servicer was sued by my state of Maryland for alleged fraud. A year after I filed my unemployment cases from XXXX, I was informed by a supervisor from the Department of Labor that my account was marked as fraudulent with zero notification or any reasoning for marking as such. It wasn't fraudulent. The only thing that was fraudulent was I reported to the Inspector General and Directors of government agencies that the only piece of documentation that was used in my assistance determinations was my XXXX XXXX mortgage statement. They did not include any of the other documentation of all my other bills ( utility, etc. ) in those determinations for decades. Along with XXXX XXXX assistance and child support ( for an absent parent on XXXX XXXX  ) never received and in a second mortgage as documented in my HUD form provided to them from the now sale of my property. And individual statements and information on my consumer statement continue to disappear off of my report that need to be there. As it is illegally and intentionally being reported as adverse and negative impact on my report that should not be. 

THE TRUTH IS I DID NOT RECEIVE PANDEMIC ASSISTANCE AND ZERO UNEMPLOYMENT STILL OWED TO ME IN FULL. I COMPLETED ALL DOCUMENTATION AND STATEMENTS NEEDED TO RECEIVE MY UNEMPLOYMENT TIMELY. NOTHING would have gone delinquent had I received my money and/or employment. There are no jobs. AS YOU CAN SEE, only incompetence is being hired to resolve NOTHING! 

MY CREDIT REPORT CONTINUES TO BE INACCURATE AND FALSELY BEING REPORTED CAUSING DETRIMENTAL EFFECTS IN A DISCRIMINATORY AND RETALIATORY MANNER!

Company response to consumer: Closed with explanation