vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: WI

Complaint narrative:
PRO COLLECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number : XXXX RE : Debt Validation Request This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed.

Please be advised that this is not a refusal to pay, but a notice sent under the Fair Debt Collection Practices Act, 15 US Code 1692g, that debt validation is requested. 

Please provide me with the following information : Documentation that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
Please provide me with the original creditor 's name and any supporting documentation. 
A signature on an agreement stating that I have agreed to assume the debt. 
A copy of the debt agreement, including the principal, interest, and any additional fees charged. 
Complete payment history and accounting of all additional charges being assessed Please provide proof that you are licensed to collect in XXXX along with your license numbers and XXXX XXXX or XXXX of XXXX. 

If your office fails to reply to this debt validation letter within 30 days of receiving it, all instances related to this account if any exist must be immediately deleted and removed from my credit file. Moreover, all future attempts to collect on the said debt must cease. 

I request that all future communications with me be in writing and sent to the address noted in this letter. I will no longer accept telecommunication. 

If you fail to comply with my request, I will consider that as a waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Take any action that could be detrimental to my credit reports during this validation period. I will consult with my legal counsel regarding the suit against you. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. 

Best Regards, 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 explanation
Consumer complaint received 2024-10-15 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I had just moved to XXXX and was looking for an apartment and found ( what seemed like ) a couple different landlords. I requested to view the property before signing a lease and was told to secure a holding fee or deposit first. I sent the money and then attempted to see the physical properties, which did not exist. I was blocked from all messaging after asking for my money back. I reported it to my bank and was denied any reimbursement as it shows I authorized the charges. I authorized them but didn't realize until after the fact that I was being scammed. 

These happened in the beginning of XXXX and end of XX/XX/year> in the amount of {$1100.00}, {$100.00}, {$700.00}, {$500.00}, and {$200.00}. I have more personal information and details if needed or requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I noticed several incorrect late payments that don't reflect my typical payment habits. Please fix these errors and update my account. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
My account was restricted after I tried to transfer money to another account on XX/XX/XXXX. The account has XXXX XXXX  in it and is still pending review on XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
On XXXX XXXX XXXX I ( the customer ) discovered through the Credit Acceptance mobile portal that I was paying an extra interest charge monthly ( ranging from {$150.00} - {$300.00} ) as I was paying my auto loan payment of {$430.00} per month. This is in addition to the finance charge that was noted on my purchase paperwork that was added to the purchase price of the vehicle. When I contacted the credit company, they were very dismissive about their policies and placed the responsibility and accountability on the dealership that sold me the vehicle. I seek to initiate an investigation regarding their predatory financial practices, as this is not the first time they have been under investigation about this same practice.

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 2024-10-15 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:
Good day, this complaint is not sent in error please take this seriously. There seems to be items that was mixed on my credit report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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:
I was shocked this morning to find false accounts on my credit report, and I cant understand how this happened. I review my credit regularly, but today, there were mistakes that seemed to appear out of nowhere. Hoping it was just a glitch, I refreshed my browser several times, but nothing changed. The inaccuracies were still there. Im now asking for a thorough review of the documents Ive sent so I can finally feel at ease and stop stressing over this issue.

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 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: WV

Complaint narrative:
I received a letter in the mail today, XXXX XXXX, XXXX, from a company called UNIFIN. They are saying I owe a company by the name of Washington XXXX XXXX  {$6300.00}. I looked up XXXX  XXXX and it say they went out of business in XXXX and I never heard of them. This is not my debt, and I don't know how they got my information... ..name and address and are attaching this debt to me. They are giving me 3 options to pay it back, however the debt is not mine. It arrived today and says I would have 45 days from XX/XX/XXXX to take advantage of their payment options. 

I am not contacting them or answering any of their questions on the phone because I know they will want my personal information which I am not providing to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: WA

Complaint narrative:
Western Union told me the exchange rate at the time of the transaction was XXXX US Dollars to Euros. Then after the transaction they changed the rate to XXXX. How is this blatant bait and switch still legal in XXXX? How can there not be a law against this? I have proof, I took a photo at the time of the transaction to send to my friend to whom I was trying to send the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT IVE LISTED ALL FRAUDULENT INQUIRIES ON THE ATTACHED FTC REPORT XXXXPLEASE READ THE FTC REPORT IN DETAILXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX the creditor reported inaccurate information after they have been receiving payments on time and after contacting customer service regarding the issues that they have caused me by not correcting the information after speaking with their customer service representatives that are not doing their job as requested by phone or letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX  the creditor reported inaccurate information after they have been receiving payments on time and after contacting customer service regarding the issues that they have caused me by not correcting the information after speaking with their customer service representatives that are not doing their job as requested by phone or letter.

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 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: WI

Complaint narrative:
ALDOUS AND ASSOCIATES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Number : XXXX RE : Debt Validation Request This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

Please be advised that this is not a refusal to pay, but a notice sent under the Fair Debt Collection Practices Act, 15 US Code 1692g, that debt validation is requested.

Please provide me with the following information : Documentation that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you.

Please provide me with the original creditor 's name and any supporting documentation.

A signature on an agreement stating that I have agreed to assume the debt.

A copy of the debt agreement, including the principal, interest, and any additional fees charged.

Complete payment history and accounting of all additional charges being assessed Please provide proof that you are licensed to collect in WI along with your license numbers and Registered Agent or Agent of Service.

If your office fails to reply to this debt validation letter within 30 days of receiving it, all instances related to this account if any exist must be immediately deleted and removed from my credit file. Moreover, all future attempts to collect on the said debt must cease.

I request that all future communications with me be in writing and sent to the address noted in this letter. I will no longer accept telecommunication.

If you fail to comply with my request, I will consider that as a waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Take any action that could be detrimental to my credit reports during this validation period. I will consult with my legal counsel regarding the suit against you. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: Westlake Services, LLC
State: TX

Complaint narrative:
Never inquire about credit must be someone else with a similar.

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 2024-10-15 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: CA

Complaint narrative:
I previously requested on XXXX  to opt out of all communication for 2 accounts listed on my Equifax report. Please see my last complaint on XXXX here through the CFPB. I also notified the creditors of the accounts in question that I refused to pay any of the debts they alleged I had. I'm asking the CFPB to enforce Equifax to adhere to the FCRA under USC 1692 C : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Therefore my request to cease and desist under 1006.6 ( d ) ( iii ) - Debt collectors must also cease communication with consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After checking my latest credit report, I discovered several accounts that I suspect were added without my permission and are inaccurate. I am requesting that these fraudulent accounts be blocked and removed from my report right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 2 auto loan accounts XXXX opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ) and XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). XXXX personal credit card accounts opened at XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: GA

Complaint narrative:
Dear CFPB, I am filing a formal complaint against TransUnion, XXXX, and Transunion for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/year> Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from TransUnion : XX/XX/year>, stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : TransUnion 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, TransUnion has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy

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 2024-10-15 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: GA

Complaint narrative:
Dear CFPB, I am filing a formal complaint against XXXX, XXXX, and XXXX for their refusal to update my personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Details of the Issue : Date of Initial Request : XX/XX/scrub> XXXX  Documents Submitted : Personal information update letter, driver 's license, Social Security card, and utility bill ( notarized ) Response from XXXXXXXX XXXX XXXX XXXX XXXX stating my request could not be processed due to missing government ID ( which was, in fact, included ). 
Violation of Rights : XXXX 's refusal to update my information is a direct violation of 15 USC 1681 ( a ) ( 4 ). The FCRA mandates that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. By not properly reviewing the provided documentation, XXXX has failed to conduct a fair investigation, thus violating my consumer rights under : 15 U.S.C. 1681i : Procedure in case of disputed accuracy 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: NY

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: IN

Complaint narrative:
Subject : Complaint Regarding Unjust Closure of Discover Secured Credit Card Discriminatory Practices, Rights Violation, and Lack of Notification Issue Description : I am filing a complaint against Discover Financial Services regarding the sudden and unjustified closure of my secured credit card account. I believe this action was discriminatory, violated my rights, and was compounded by a failure to notify me as required by law.

Card Type : Discover Secured Credit Card I was approved for this card a few months ago to rebuild my credit. I used the card responsibly, made timely payments, and complied with all the terms. However, without any prior notice, email, or letter, Discover closed my account. I received no formal notification of the account closure, which is a violation of consumer protection regulations.

Discrimination and Rights Violation : I strongly suspect that Discovers closure of my account was discriminatory. They have not provided any valid reason for this action, leading me to believe it was based on factors unrelated to my creditworthiness. This potentially violates the Equal Credit Opportunity Act ( ECOA ), which prohibits creditors from discriminatory practices based on race, national origin, or other protected characteristics.

Failure to Notify : In addition, Discover failed to notify me of this adverse action, which is required under the Fair Credit Reporting Act ( FCRA ) if the decision was based on my credit report or financial history. This lack of communication is a further violation of my consumer rights. 

Resolution Requested : I request that the CFPB investigate Discovers practices regarding the closure of secured credit card accounts, including their failure to notify me of the decision. I believe this action was in violation of the ECOA, FCRA, and other consumer protection laws. I also ask that Discover provide a full explanation of their decision and compensate me for any financial harm caused by this wrongful closure.

Thank you for your assistance in ensuring this matter is resolved fairly.

Company response to consumer: Closed with explanation