vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
To whom this may concern I am writing because the 3 major bureaus on several occasions have yet to properly investigate the negative and inaccurate information on my credit report. By law the bureaus must adhere to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Be mindful that the collection agency has yet to provide A LEGAL BINDING CONTRACT WITH A BEARING SIGNATURE SHOWING PROOF OF DEBT AND OR LEGAL OBLIGATION TO PAY THE DEBT WITH THE ALLEGED DEBT COLLECTOR. UNTIL THE AGENCY COLLECTING THE DEBT CAN PROVIDE A CONTRACT BINDING THE DEBTOR TO THE DEBT THE DEBT MUST BE REMOVED. 

The major bureaus have continued to report negative information, addresses, and accounts without providing legal proof that the debt is valid. I am requesting a investigation by the CFPB to remove all inaccurate information. 

Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX5 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus XXXX XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
in accordance to the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
in accordance to the Fair Credit Reporting Act and XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was having trouble making a payment to my capital one credit card. I called them to defer my payment and the lady explained that if I could make it in a certain time frame I will be fine. When they took the payment it returned and reported it to my credit report. I asked them for a good will removal since this is my first payment late and they are giving me a hard time. I am trying to buy a house next year and can not afford this late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
in accordance to the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I purchased a supposed patio set from someone on XXXX using XXXX on XX/XX/2022. The person used a fake profile under the name of XXXX XXXX. Offered patio furniture at a house that wasnt theirs. I asked for the money back and they blocked me and declined my request. Same scam used in XXXX. Contacted the police, FBI, XXXX, and my bank.

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 2022-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
This was paid off in a settlement through Pollack & Rosen for XXXX XXXX XXXX. I have a letter stating the account is paid in full. However, it is now XX/XX/2022 and XXXX has created a new account number for the {$2900.00} which was forgiven in the settlement, put it back on my credit report as being owed and reporting late payments. I have reached out to them multiple times and they say it is in the process of being closed but it is taking time. We believe they are stalling in hopes to collect the balance they agreed to forgive. We have disputed it on our credit report and XXXX came back verifying the information is correct and states it is still owed. We have had our lawyer contact the credit bureaus telling them to remove it off my report based on the letter stating paid in full. However the credit bureaus have listened to the debtor vs using the letter from there lawyer representation stating the account is paid in full. This refusal of XXXX to correct and honor their settlement has caused issue on my credit report and is a true violation of 15-U.S.C.A. Sec. 1681i. We can provide the documentation from all lawyers to show this account is paid in full and should be removed with no late payments reported. Since they notified the credit bureau when we disputed the account on our credit report they returned it to them as valid an still owed. This shows additional continuation of deceptive practices on their side. Our next step is to sue them with our lawyer charging them for the legal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2022, my wallet containing my debit card and bank information was lost and I received an unauthorized charge of {$540.00} on my debit card. My bank is refusing to dispute the transaction and refund me because they claim my pin the chip were used. However I did not make this transaction. I attempted to contact the merchant but they stated they were only able to refund fraudulent online purchases and this purchase was made in-store.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-13 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Noticed an account was opened in my name on my credit report from XXXX XXXX XXXX. Was not me and a new inquiry from TD bank XXXX XXXX credit was not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
ON XX/XX/XXXX, I recd a msg supposedly from XXXX, who I have never used or signed up for that they dectected unauthorized activity. they wanted me to use http : XXXX to contact them. I did not respond. 

On XX/XX/XXXX I recd another msg from pay-pal, same msg, same email address. 

Today, I recd a msg. from paypal.com same msg and telling me to take the steps requested. this address is XXXX. 

As I stated, I dont use paypal but the last four digits are part of my Social Security #/ I am sure this is another scam and haven't responded to it. 

I have also in the past reported false claims of the same nature supposedly from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was suppose to transfer money from my capital one account ( ending in XXXX ) to XXXX XXXX account ( ending in XXXX ) worth {$1500.00} but somehow it went the other way around and money transfer got initiated from my chase account to capital one bank. I had XXXX dollars in chase account so the XXXXXXXX XXXX rejected the transfer which is understandable so me not having enough money, the transfer should not happen. But, capital one bank turned it into a reversal charge and they charged my account {$1500.00} for the transfer not going through so I lost {$1500.00} from my capital one account and now I talked with capital one customer service and the lady said they can not give me my money back and XXXX XXXX can not help me either so I am losing {$1500.00} but none of the banks are willing to help get my money back. 

I initiated the transfer on XX/XX/XXXX but it was rejected and I received a letter about that from XXXX XXXX but the capital one charged me {$1500.00} reversal fee on XX/XX/XXXX and now they are denying from giving the money back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control Company, Inc.
State: AR

Complaint narrative:
The company in question is located in XXXX XXXX arkansas and the the company is Credit Control!! I have given them many times to sent me the right to dispute letter but they have failed!! d They have tried several times to put this on my credit report and I have disputed and was removed but they continue to put this on my XXXX report!! I am tired of this and need a right to dispute letter by law!! I have lived in the same address and they know this XXXX XXXX XXXX XXXX XXXX XXXX arkansas XXXX! Please help resolve this thanks!! 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX arkansas XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
in accordance to the Fair Credit Reporting Act and XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
in accordance to the Fair Credit Reporting Act and XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: UT

Complaint narrative:
I have never had an account with XXXX XXXX. I called the company and they told me that they show no record that an account had ever been sent to collections by XXXX XXXX. Even then, I have never had an account or requested service from XXXX XXXX. I called and they could not even provide me with my social security number. When I contacted Credit Collection Services, the collection agency that is reporting the item under my name, confirm that they have no social security number on file. 
Someone that knows me, may have used my information, or it may be an account for someone that may have a similar name. I am not sure. 
I am requesting your help and have Credit Collection Services remove this inaccurate tradeline immediately. I understand that by law the account would be removed from credit regardless by XX/XX/2022, nevertheless, it is not fear that I need to wait on this inaccuracy to be deleted from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, 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:
Updated information on CFPB complaint # XXXX In accordance with the Fair Credit Reporting Act Transunion, has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.15 USC 1681 Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. Also 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


Attached is the dispute letter along with my identification to verify my identity.

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 2022-05-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-05-13 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
To whom this may concern I am writing because the 3 major bureaus on several occasions have yet to properly investigate the negative and inaccurate information on my credit report. By law the bureaus must adhere to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) The major bureaus have continued to report negative information, addresses, and accounts without providing legal proof that the debt is valid. I am requesting a investigation by the CFPB to remove all inaccurate information.

Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus XXXX XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Be mindful that the collection agency has yet to provide A LEGAL BINDING CONTRACT WITH A BEARING SIGNATURE SHOWING PROOF OF DEBT AND OR LEGAL OBLIGATION TO PAY THE DEBT WITH THE ALLEGED DEBT COLLECTOR. UNTIL THE AGENCY COLLECTING THE DEBT CAN PROVIDE A CONTRACT BINDING THE DEBTOR TO THE DEBT THE DEBT MUST BE REMOVED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation