vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 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: OH

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX. { XXXX XXXX XXXX ( Account number XXXX } balance XXXX XXXX XXXX data reported to courts on XX/XX/XXXX = Claim amount $ XXXX Balance Owed {$82.00} Final Payment and Case History reported from the XXXX  on XX/XX/XXXX = Balance Due XXXX I do not have a contract with this company and I don't owe the debt, the last active, payment status, and last payment date and balance are inaccurate. Please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim ( if applicable ), such as [ The semi report from XXXX from Bankruptcy showing balance owed, the report for dismissal in XX/XX/XXXX showing remaining balance. 
Please ensure that these documents are taken into account during your investigation. According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. 

This letter serves as my XXXX formal dispute and its crucial to maintain a record of your communication and update my consumer report to prevent small claims action against your company.

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 2024-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Complete Credit Solutions, Inc.
State: IL

Complaint narrative:
Complete Credit Solutions has caused much distress in using illegal tactics and continued harassment. The company does not even have a legal license to collect to in the state of IL which is required. They have placed a hard inquiry on my credit during the dispute process. This is after sending a cease and desist after continued calls and threats. They also threatened me with a letter stating its from the attorney and I had 10 days to respond. This letter was in XX/XX/year>. They are reporting inaccurate information to the credit bureaus and I have no signed contract with them. My case is now with the attorney general.

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 2024-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Student Debt USA, LLC
State: GA

Complaint narrative:
I utilized student debt Usa from XXXX to XXXX. They promised to ensure I would have the lowest monthly payments and ensure that I received loan forgiveness. They charged me and my wife a monthly fee, and we discovered that through the pandemic they had not done anything with our loans. When loan payments resumed, our payments were high, they had not recertified employment or income, and our bill was double what it should have been. We cancelled with them in late XXXX and they continued to charge us for months and would not stop our monthly payments. We attempted to get these funds refunded, which they refused and continued to charge us. They no longer answer our phone calls.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-16 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: PA

Complaint narrative:
reporting unauthorized information to any consumer report is fraudulent and a violation of both state and federal laws. I am here on the cfpb to make this issue be known. I did not provide the companies referenced in the attached letter with consent to share my credit card ( ID, SSN, etc ) or any other nonpublic financial information with another entity and I did NOT give the consumer reporting agencies [ XXXX, XXXX, Transunion ] expressed written consent to report the information. This concludes to IDENTITY THEFT. I am demanding that this information be blocked. The accounts are also noted below : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: PA

Complaint narrative:
reporting unauthorized information to any consumer report is fraudulent and a violation of both state and federal laws. I am here on the cfpb to make this issue be known. I did not provide the companies referenced in the attached letter with consent to share my credit card ( ID, SSN, etc ) or any other nonpublic financial information with another entity and I did NOT give the consumer reporting agencies [ XXXX, Equifax, XXXX ] expressed written consent to report the information. This concludes to IDENTITY THEFT. I am demanding that this information be blocked. The accounts are also noted below : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: FL

Complaint narrative:
I have ONGOING services with a website developer in California named XXXX XXXX XXXX. I paid for XXXX transactions each for {$1200.00} totaling {$2500.00}. XXXX was made on XXXX XXXX and the other on XX/XX/XXXX. XXXX was for an XXXX & XXXX mobile app for my online webstore. The other was for website maintenance for 3 years ending in XXXXThey were to complete the XXXX  in 3-4 months ( XX/XX/XXXX ). Every time I contacted them they asked me to be patient and it will get done. By XX/XX/XXXX I asked for a refund leaving over XXXX messages that no one would answer. The other payment for XXXX XXXX hasn't been maintained until XX/XX/XXXX. There's a XXXX ( XXXX ) number that's on my website I have no access too, my website was dismantled, so I wouldn't know if a sale was made, i can't access my social media or pages my administrative pages. A website newsletter I have no access to, and there are errors that haven't been fixed after several attempts etc. I made a report with the California attorney generals office ( where the company is located ), the XXXX, FTC and the Florida Attorney generals office ( where I reside ). All of which found in my favor for a refund, and all were ignored by the company when they contacted them. The FTC instructed me to contact my credit card company to get a refund. I did, and filed XXXX disputes. XXXX in XX/XX/XXXX and XX/XX/XXXX. A senior account manager said I should be refunded, but her boss said that there's a 60 day policy to issue refunds and it falls outside of the 60 days. I explained that these are ongoing services and and it takes several months to build a online mobile XXXX. They declined to pay me back twice. Capital One is a XXXX XXXX dollar revenue company ( per their XXXX business profile ), and I'm struggling in this economy living paycheck to paycheck. Capital One needs to refund me. Please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, a scammer impersonated my employer through the company email, requesting me to make several purchases on behalf of the company. After making XXXX transactions, of {$200.00} each, I immediately called Wells Fargo to flag those charges in an attempt to stop them from going through. Wells Fargo opened a case for me with those XXXX claims and sent me a new credit card. On XX/XX/XXXX, Wells Fargo reimbursed and adjusted all XXXX transactions. On XX/XX/XXXX and XX/XX/XXXX Wells Fargo denied XXXX of the claims and recharged those fraudulent transactions onto my credit card.

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 2024-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Hello, One of your employees I previously had a relationship with is accessing my personal information using your systems. Her name is XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: FL

Complaint narrative:
I am writing to formally request the removal of the collection account listed on my credit report under the account number XXXX XXXX. After reviewing my credit report, I discovered that this collection account is inaccurately reported, and I believe it should be removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

I am disputing the accuracy of this collection account based on the following grounds : Inaccuracy of Information ( FCRA Section 607 ) : The information provided in the collection account entry is inaccurate. I have no recollection or record of an account with the original creditor listed, nor have I received any correspondence or validation of this debt. 
Right to Dispute Inaccuracies ( FCRA Section 611 ) : As per the FCRA, consumers have the right to dispute inaccurate information on their credit reports directly with the consumer reporting agencies ( CRAs ). I have filed a dispute with the CRAs regarding this collection account, and I am concurrently disputing the accuracy of this account with your agency. 
Validation of Debt ( Fair Debt Collection Practices Act - FDCPA ) : Under the FDCPA, debt

collectors are required to provide verification of the debt upon the consumer 's request. I am requesting validation of this debt to ensure its accuracy and legitimacy. Statute of Limitations on Reporting ( FCRA Section 605 ) : If this debt is valid, it may be beyond the statute of limitations for reporting on my cre
dit report. I request validation of the date of first delinquency and adherence to the reporting guidelines outlined in the FCRA. 
I kindly request that you conduct a thorough investigation into this matter and provide validation of the debt as required by law. If you are unable to provide sufficient verification or if the information is found to be inaccurate, I request the immediate removal of this collection account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: CA

Complaint narrative:
In accordance with the Fair Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX {$820.00}, XXXX XXXX XXXX XXXX XXXX {$150.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$210.00} 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 2024-03-16 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: CA

Complaint narrative:
identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: HW Holding, Inc
State: TX

Complaint narrative:
As of XX/XX/2024 Hunter Warfield Inc sent a email stated that they have my permission to communicate with me through E-mail.Since XX/XX/XXXX there has been another e-mail on XXXX XXXX.According to 15 U.S.Code 1692 ( f ) states that the collection of any amount of including interests, fees, charges or expenses incidental to the principle obligation unless such amount is expressed authorized by the agreement creating the debt or permitted by law and for proof of this debt specifically as well the proof of your authority. U.S.Code 6802 obligations with respect to disclosures of non public information in good faith to resolve this matter amicably I state my demand for proof of this debt specifically the alleged contract or other instruments bearing my signature as well as the proof of your authority in this matter. Absent such proof you must terminate this collection and correct erroneous reports of this debt as mine. For the record I state again I have no account with you Hunter Warfield Inc nor am I your customer, nor have I entered into a contract with you. I must ask for the following information please evidence your authorization under 15 U.S. Code 1692 ( e ) and 15 U.S.Code 1692 ( f ) in this alleged matter.What is your authorization of law for your collection of information? What is your authorization of law for your collection of this alleged debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I sent a letter to Equifax information services stating that they are reporting the wrong info on my credit report about the auto loan with XXXX, I tell them that there should no balance on the account, and as proof I attached the proof from XXXX credit reporting agency that the balance is {$0.00} and it has been over 60 days I never herd back from them to update the info to the correct info, and this is defamation of character

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Absence of privacy of contract no contractual agreement exists between me and LVNV funding LLC rendering their claim to any debt utterly baseless. 
This fundamental legal principal makes the inclusion of this account on my credit report a blatant act of fraud and a direct attack on my financial well-being FCRA violations 607 ( a ) ( 1 ) and ( 2 ) consumer report agency obligations to maintain accurate and complete information 615 ( a ) ( 1 ) LVNV funding LLc obligation to refrain from finishing inaccurate information to credit reporting agencies 621 LVNV funding LLc potentially liability for significant damage and penalties resulting from non compliance with the FCRA Additional violations : 15 U.S.C. 1681i and 1681j : these provisions mandate that the credit reporting agencies implement stringent procedures to ensure the maximum accuracy of consumer information ( FDCPA ) and ( RFDCPA ) this acts prohibits the sale or purchase of debt known or suspended to be illegitimate Federal laws 18 U.S.C. 1353 ( mailfraud ) may be applicable My Demands Immediate investigation Account removal Subscription compensation A written acknowledgment and guarantee and a formal written acknowledgment from Lvnv funding LLc

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had sent a verification request to this company and to date they have yet to respond. In the dispute letter I listed the items I need in order for me to verify it. See attached. Wells Fargo claims that I owe them a debt and that they have suffered a loss from lending me money however when I requested the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries that proves creditor has suffered a loss they never responded. This is false and deceptive collection practices. Additionally, they reported an additional account on my transunion consumer report and that account has the same account number, balance and collection status except that it is being reported as a mortgage clearly showing that they are willing to violate the Fair Credit Reporting Act as well. See attached exhibits. If this agency continue violating the procedures and requirements of both Fair Debt Collection Practices Act and Fair Credit Reporting Act, I will seek legal action as they are falsely sharing information on my consumer report thus defaming my character.

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 2024-03-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I affirm, under the threat of perjury ( as per the laws of the United States, if executed outside of the United States ), that the aforementioned statements are true and accurate to the best of my understanding. Furthermore, I attest that I am legally permitted by both FEDERAL and STATE LAW to initiate this dispute. I am also aware that any intentional and knowing misrepresentation or omission of significant facts constitutes a FEDERAL CRIMINAL VIOLATION as per 18 U.S.C. 1001. Moreover, such misrepresentations are punishable as perjury under 18 U.S.C. 1621. The entries identified within my credit report are not associated with any transactions conducted by me. I assert that an individual or entity, without my consent, has utilized my personal identifying information to apply for goods, services, or financial resources, and has successfully opened certain accounts. These matters are presently under investigation by the FTC.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I went to the dentist at XXXX in which they financed my mouth partial I realized after some time when first wearing that teeth were missing and a bad fit, In any case the loan was already signed, I refused to pay some much money. The company did offer some relief and I am was willing to pay after getting into to my email. When I finally get in touch with the company, I wanted to negotaite a lower rate and The form offered a lower rate and also a chance to click other. I click other on the online form to tell my story to get a little more off in which this was a resolution on the form. The advocate skipped over my request for a fair resolution and submitted me to collections and charged me the original loan amount without any of the intial resolutions their company presented. She emailed me that it was in collections and never gave me my other chance for resolution. I don't see where this she did her job as a resolution specialist with making whatever decision she wanted.

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