vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 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: A & O Recovery Solutions, LLC
State: GA

Complaint narrative:
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. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action Have a blessed day!

Company response to consumer: Untimely response
Consumer complaint received 2024-04-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I was not going to complain about this but it irritates me because we were told what document we need to bring the first time we went to this Citibank XXXX in XXXX. We were trying to get a XXXX card for my XXXX  and we were told that the only thing the bank need is a passport. So we drove back to this branch and brought my daughter passport. A new bank personnel helped us the second time and we were told that we need passport, birth certificate and SS #. This bank personnel didn't even asked or offered what other solution can be provided, didn't asked if my daughter has an account or what account we have with them. We were a Citibank customer since XXXX. XXXX XXXX who I believed is the XXXX in that branch the first time was really helpful and he told us just to bring the passport so he can process the XXXX  card for my daughter. This new bank personnel that helped us is horrible, she is a reason why Citibank have a lot of complaints. I just hope the bank personnel should asked, find alternative solution first before telling the client I can't process your request because you are missing some documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have requested that these late payments to be removed because I was never late on paying off these accounts.

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 2024-04-15 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: GA

Complaint narrative:
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. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Have a blessed day!

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 2024-04-15 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: PA

Complaint narrative:
There are inaccurate accounts on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: TX

Complaint narrative:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 
I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES. 
SOMEONE HAS USED MY IDENTITY TO ENGAGE IN THE FOLLOWING TRANSACTIONS. SEE ATTACHED DOCUMENTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: TX

Complaint narrative:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 
I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.

SOMEONE HAS USED MY IDENTITY TO ENGAGE IN THE FOLLOWING TRANSACTIONS. SEE ATTACHED DOCUMENTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
I have received XXXX phone calls from XXXX XXXX at Wakefield & Associates this month on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not answer any of these calls as I have previously signed up for the National Do Not Call Registry and these calls only ring once before going to voicemail, which is what all spam calls do. I have not received any written or email communication about debt and do not owe any medical or other type of debt that I have not paid or that would be sold to collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
My 2022 federal and state return was deposited into a USAA account. I did not provide that account information nor do I have any connection to USAA or have ever had an account at USAA. I filed multiple XXXX traces and USAA has refused to respond to all of them. I asked a different accounting firm for help wit
h recovering my stolen refunds and he began working with our senators office who contacted the XXXX. 
The XXXX suspects that the prior accountant had changed the account information on my return ( I had esigned it, so this is possible to do after I had signed ) into his account at USAA. 
XXXX has not been able to recover the funds to this date. 
I was referred to the XXXX around the end of XXXX. I was told needed to contact XXXX and find out what the results of the refund trace are. This is when I found out that USAA has refused to respond the the trace. 
From the information Ive received from XXXX and XXXX it is reasonable to think that the account information on my return was altered, it was deposited ( likely into the accountants account, or someone linked to him ). How USAA accepted a wire that didnt have my name on the account is beyond me, the firm I have helping me recover the funds and my banker.

I believe that USAA is allowing criminal activity by not responding to the XXXX trace. I believe the person who stole my refund is the owner of the account the refunds were deposited to and they are not allowing USAA to return the money to the XXXX so it can be returned to me.

I feel I have the right to know why USAA wont respond, who owns the account my money was deposited into, why USAA accepted a deposit that would have had my name and SSN on it and deposit it to an account that has no connection to me at all.

I have the dates of all the major events and the account numbers used.

I also have the original copy of my return with my correct account information on it along with the copy of the return that has the amendments needed ( I forgot to file a 1099 ) with the wrong account information.

I can provide all of this, along with contacts from the different agencies I have been working with.

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: PA

Complaint narrative:
There are inaccurate accounts on my 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 2024-04-15 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: PR

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX # XXXX # XXXX # XXXX # XXXX XXXX XXXX almost XXXX  years # XXXX has violaded 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 stades a consumer reporting agency can not furrish a account without written instruction.

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 2024-04-15 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: EQUIFAX, INC.
State: PR

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX # XXXX # XXXX # XXXX # XXXX XXXX XXXX almost XXXX  years # XXXX has violaded 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 stades a consumer reporting agency can not furrish a account without written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Halsted Financial Services, LLC.
State: MI

Complaint narrative:
At XXXX XXXX XXXX XXXX XXXX called me. They told me I was on a recorded line and asked me if I was XXXX XXXX and I said I was. Then they quoted to me what they thought was my last 4 social security ( ss ) numbers were. At this point I refused to confirm information as it felt very much like a phishing scam. It seems it would be unlawful to call some and quote a name and last 4 of ss numbers due to privacy breach laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
On XX/XX/2024, I called Care Credit to find out why, despite paying {$100.00} every month when the minimum payment was only {$62.00}, my balance was not going down. The representative went through my bill and told me that the interest was {$38.00}, and the 'credit card insurance ' was {$30.00} per month. I asked him what was the 'credit card insurance ' fee as I was never aware of this monthly charge. He said when you get a Care Credit credit card, that is automatically added and that I would have to 'opt out ' to get it removed. This was news to me and I was shocked. I had not idea as this was never told to me at all. I would NEVER have agreed to an additional {$30.00} per month for credit card insurance. I thought that was outrageous that they did that. He mentioned he would remove that charge but I should call the company who provides that service and he gave me their number. I then called the company and asked what was the name of this company and she said the company name is XXXX XXXX. The rep there mentioned that I 'opted in " for this additional charge and service. I told her that is not what Care Credit just told me as they told me I was automatically enrolled in this and I was to 'opt out ' if I did not want it. I said, " how would I know to opt out of this if I had no clue about it in the first place ''. So XXXX different stories from each company as to how I was 'enrolled ' in this nonsense credit card insurance. I told in NO WAY would I have ever agreed to opt in for type of additional service. Never would I agree to have a {$30.00} dollar per month charge added to my bill which also, drives my interest rate up further. I struggle to pay my monthly bills as it is and in no way would I ever agree to such a charge. She then mentioned I 'checked the box ' on the application. I asked for that proof as I know I would have never opted for that. She told me she would be willing to give me a {$390.00} credit back. I initially said yes and we hung up. I immediately called back and asked for a full refund as I know I did not 'check that box '. 

I have requested proof of my application and where I opted for this service. The company stated I can not get that proof and they had mailed me some sort of package. 
I did not receive that package they are referencing. When I speak to the reps there, according to them, they can see where I 'checked the box '. If they can see it then they can send me that proof which they refuse to send me after several attempts to get this. 

They say I check the box and I say I DID NOT. Send me the proof. 

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 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: TX

Complaint narrative:
I moved from a house and had a bill. The bill was paid and it was placed on my credit from 2021. A bill collector contacted me stating I owed the bill. I showed my proof of paying the bill and it was placed off of my credit. This year, Bull City contacted me stating it is back on my credit for non payment. This is the second company to come for me about the same bill that was paid. I contacted XXXX XXXX and they have nothing in their system anymore so Im not understanding how its placed on my credit a second time after already removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-15 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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