vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act, I have right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a verification or proof of my mailing address but for VALIDATION made Pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, Experian ) this action might constitute fraud under both federal and state laws.

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 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act, I have right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a verification or proof of my mailing address but for VALIDATION made Pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus XXXX XXXX XXXX XXXX XXXX  this action might constitute fraud under both federal and state laws.

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 2020-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I purchased an electric bike from XXXX 's Bikes, using my XXXX XXXX Credit Card. Immediately upon arrival after charging up the battery, the electric bike would not work or function. It would turn off by itself. I notified the owner of XXXX 's Bikes, and he sent me out a replacement for the user 's screen or control panel, thinking that that was the problem. I immediately started looking for a repair shop to replace the part. After an exhausting search, I was unable to find anyone that was willing to work on the electric bike. I then took it upon myself to find an online site to attempt to change out the battery and controller, which could have been the problem. I paid for the parts myself, had them shipped to me, and attempted to try replacing the battery. I thought that I had got it to work for at first, but I was very disappointed to see that the electric bike still would not work or function. The owner of the bike store began being very rude and disrespectful to me over the phone. I then decided to dispute the purchase. My credit card company didn't provide me any information throughout the dispute, nor after I was told that I would receive a letter of the results. XXXX XXXX Credit Card XXXX now decided in XXXX 's Bikes ' favor, and I have to dispute it again. How is it that a company can expect you to pay for something hasn't ever worked nor functioned as it was suppose to? In addition to that, XXXX 's Bikes inflated the charges for the electric bike being disputed. I have included both the original receipt of purchase, along with the receipt for the parts that I paid for. Please, advise and assist me on this matter, if 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 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
on 3 different occasion i have sent depute letters to XXXX, TransUnion and XXXX about 2 collection accounts on my credit report and ask that an invention be done According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). the first letter was sent on XX/XX/2020 .and it came back as validated and verified, so i sent a second letter on XX/XX/2020 asking for proof of the investigation and a copy of the original creditors documentation on file to verify that this information is mine and is correct. And there response was to up date my credit report with validated and verified with no feather information on there investigation or how it was performed. My credit report shows that the investigation was opend and closed, so i'm sending a third letter asking that these 2 accounts be removed off of my report pursuant to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .of the FCRA.i am filing a complaint with  you and asking that an investigation be done on my behave to have these accounts removed for they are hurting my credit score and preventing me from obtaining funding that i need to fund my business.

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 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
on 3 different occasion i have sent depute letters to XXXX, XXXX and Equifax about 2 collection accounts on my credit report and ask that an invention be done According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). the first letter was sent on XX/XX/2020 .and it came back as validated and verified, so i sent a second letter on XX/XX/2020 asking for proof of the investigation and a copy of the original creditors documentation on file to verify that this information is mine and is correct. And there response was to up date my credit report with validated and verified with no feather information on there investigation or how it was performed. My credit report shows that the investigation was opend and closed, so i'm sending a third letter asking that these 2 accounts be removed off of my report pursuant to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .of the FCRA.i am filing a complaint with  you and asking that an investigation be done on my behave to have these accounts removed for they are hurting my credit score and preventing me from obtaining funding that i need to fund my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DEPT OF ED/XXXX shows XXXX XXXX and XX/XX/2019 not current. {$37000.00} this info is incorrect, I was in forberance during this time. 



DEPT OF EDXXXX shows XXXX XXXX and XX/XX/2019 not current {$31000.00} this info is incorrect, I was in forberance during this time. 

I am trying toi purchase a home and this is affecting my options. Can you please correct this information please?

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 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts.This is a false and misleading tactic used by the creditor and is it illegal.Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and Trans Union.As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.

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 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
DEPT OF ED/NELNET shows XXXX XXXX and XX/XX/2019 not current. {$37000.00} this info is incorrect, I was in forberance during this time. 



DEPT OF ED/NELNET shows XXXX XXXX and XX/XX/2019 not current {$31000.00} this info is incorrect, I was in forberance during this time. 

I am trying toi purchase a home and this is affecting my options. Can you please correct this information please?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
I filed report number XXXX. Agency responded within one day stating that my account does not belong to them but they are reporting a collection for two years on a capital one card that I never opened or authorized to be opened and used in my name and is no reflection of accounts openly legitimately or used legitimately by me. The name of the agency is confusing, one report says professional Recov and the other says portfolio. Please just review identity theft notification to remove collection. 

I have called, written letters, filed theft reports and sent them to this agency. Even to this consumer complaint they are dodging this to be removed and falsely claim they verify my debt when disputed but even here claim its not my account. I am a victim of identity theft and it needs to be removed from collections and my credit report immediately. 

Please see first attachment of account listed under their name on my report for the amount listed as a collection, reported every single month and opened in XX/XX/2018. My last name has been XXXX since XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts.This is a false and misleading tactic used by the creditor and is it illegal.Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : Equifax, XXXX, and XXXX XXXX.As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My Wells Fargo Auto Loan was reported late payment on my credit report for the months of XXXX and XX/XX/2020, Which is a mistake. because of that my family life is about to fall apart, I am in the process of buying the house because of that we got stuck, i keep calling to Wells Fargo at least to email me the letter as the account wasn't late they keep promising to email me but nothing happened over two weeks. it's very unfortunate now I am suspecting because of my accent as an immigrant they thought I can't do anything or I don't know. 
Please help me and my family before things get worse, i already give notice to my apartment and get stuck. if you want to get the proof i can email you all the mortgage documents. 
Thank you and Looking forward to see you Help! 
XXXX XXXX Wells Fargo Auto Account # 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 2020-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I was notified by XXXX that the auto loan account with Wells Fargo was 30 days late. A check of the payment history shows that a partial payment of {$120.00} was made on XX/XX/XXXX and XX/XX/XXXX. A payment of {$700.00} was made on XX/XX/XXXX, just one day beyond the due date for XXXX. I never received any communication from Wells Fargo that the account was delinquent. I had email alerts set up but they moved everything over from Wells Fargo Auto Finance to their main website without notifying me. I didn't even have this information until today. In looking at the account I saw that a late charge of {$18.00} was added on XX/XX/XXXX and a late charge of {$6.00} was added on XX/XX/XXXX. There was no past due amount other than the payment for XXXX which was {$370.00}. With the late charges added the total amount due should have been {$400.00}. With the payment of {$700.00} made on XX/XX/XXXX the account should have shown a balance owed for the XXXX payment of {$82.00}. The payment showing due as of XX/XX/XXXX is {$220.00}. How can this be? The numbers are not adding up. I request a full investigation. Due to this I can no longer close on financing for a home that I was about to close on very soon and my family and I are going to be homeless. I was treated with complete contempt by the call takers of Wells Fargo when I inquired about the situation and was even told there was nothing they could do and that the information would remain on my credit report as they were showing it was accurate and met the standards of the Fair Credit Reporting Act. Based on the information I have provided with this complaint you can clearly see that their reporting to the credit bureaus was false according to their own records.

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 2020-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I filed report number XXXX. Agency responded within one day stating that my account does not belong to them but they are reporting a collection for two years on a capital one card that I never opened or authorized to be opened and used in my name and is no reflection of accounts openly legitimately or used legitimately by me. The name of the agency is confusing, one report says XXXX XXXX and the other says XXXX. Please just review identity theft notification to remove collection. 

I have called, written letters, filed theft reports and sent them to this agency. Even to this consumer complaint they are dodging this to be removed and falsely claim they verify my debt when disputed but even here claim its not my account. I am a victim of identity theft and it needs to be removed from collections and my credit report immediately. 

Please see first attachment of account listed under their name on my report for the amount listed as a collection, reported every single month and opened in XX/XX/2018. My last name has been XXXX since XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: GA

Complaint narrative:
My go program card for my georgia unemployment was used without my knowledge or permission by someone to purchase a hotel in XXXX company name XXXX XXXX XXXX for {$180.00} on XX/XX/2020. I filled a claim with the card issuing company for the go program minutes after I received the alert. I filled out all the paper work they needed and requested and faxed it back to them in the time frame they wanted I was suppose to have gotten a credit on the 10th day for the stolen money on my government issued card. That was 3 weeks ago I have called them numerous times I will include all the papers and phone records later if I can. But I have received the run-around since filing the claim I have been hung up on twice after sitting on hold for over an hour each time. I have set on hold a total now of 16 hours since the claim was filed. And still can not get any information. I received a letter from go program today stating the merchant had refunded the money on XX/XX/2020 I don't know what that was but I didn't file the claim nor was the purchase made untill XX/XX/2020 and I definitely did not receive any refund. I believe the card company has made this fraudulent charge to keep the money I have researched cases like mine occuring numerous times with this card/bank issuer.I want to know what I can do to get the money back that was stolen from my account via this {$180.00} fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is in violation of fcra rules section 1681 for reporting XXXX XXXX XXXX XXXX to my credit report without notification 5 business days as required by federal law.

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 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My XXXX XXXX XXXX XXXX was reported late payment on my credit report for the months of XXXX and XX/XX/2020, Which is a mistake. because of that my family life is about to fall apart, I am in the process of buying the house because of that we got stuck, i keep calling to XXXX XXXX at least to email me the letter as the account wasn't late they keep promising to email me but nothing happened over two weeks. it's very unfortunate now I am suspecting because of my accent as an immigrant they thought I can't do anything or I don't know. 
Please help me and my family before things get worse, i already give notice to my apartment and get stuck. if you want to get the proof i can email you all the mortgage documents. 
Thank you and Looking forward to see you Help! 
XXXX XXXX XXXX XXXX XXXX Account # 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 2020-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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