vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: AR

Complaint narrative:
I was not made aware of the transfer/sell of the debt. The response is false information and the copy you sent did not provide any justification. The collectors did not send anything to me prior to CFPB complaint. The original old debt was written off by a different company. The amount is incorrect and there is no legal right to sue in the state of Arkansas because I do not have a contractual agreement with this junk debt collecting agency. I did not receive a written notice/debt validation letter within five days of the collector 's initial attempt to contact you. I was only notified by advertised attorney mail indicating I was being sued. This debt collector did not follow the law. The debt agency did not send actual proof of notifying me of the debt validation. They mailed copies of irrelevant information to my complaint.

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 2023-03-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc
State: OR

Complaint narrative:
Fraudulent account activity A virtual card was fraudently used. Tried to cancel this within 24 hours and was told they could't cancel it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My wife and I share a joint checking account. My wife 's XXXX  XXXX debit card was charged for three fraudulent charges on XX/XX/XXXX, all of which hit our account while my wife 's debit card was not in her possession ( she realized she did not have the card when alerted of the charges and all purchases made on the same card within minutes of each other ). One charge was for {$45.00} from XXXX XXXX, XXXX was for {$17.00} from XXXX, and one was for {$210.00} from XXXX. XXXX XXXX emailed and texted my wife about the XXXX charge, and they promptly cancelled her card. This occurred after midnight. Because the bank was closed at this time, she called the bank the next day concerning the XXXX XXXX and XXXX charges. They gave her provisional credit and she submitted a claim. Weeks later, they denied her claim because " the card purchase was authorized with a chip ''. My wife and I have never visited the XXXX XXXX and XXXX that the card purchases took place at. In addition, XXXX XXXX failed to inform my wife of the two of the three fraudulent charges that all took place on the same date. They have not kept our money and account secure and are refusing to take responsibility for their lack of security. You'll see in the attached photos that all of the purchases were made around the same time and on the same card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: GAMACHE & MYERS, PC
State: AR

Complaint narrative:
I was not made aware of the transfer/sell of the debt. The response is false information and the copy you sent did not provide any justification. The collectors did not send anything to me prior to CFPB complaint. The original old debt was written off by a different company. The amount is incorrect and there is no legal right to sue in the state of Arkansas because I do not have a contractual agreement with this junk debt collecting agency. I did not receive a written notice/debt validation letter within five days of the collector 's initial attempt to contact you. I was only notified by advertised attorney mail indicating I was being sued. This debt collector did not follow the law. The debt agency did not send actual proof of notifying me of the debt validation. They mailed copies of irrelevant information to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am interested in processing disputes with all invalid information on my credit report with experian. please review all information listed to correct my credit report 100 %. review an remove all listed information asap.

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 2023-03-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been found on my credit report. I have identified several issues with the information that has been reported and I am requesting your assistance in correcting these errors. 

Firstly, there are several unauthorized inquiries on my credit report. These inquiries from XXXX XXXX and XXXX XXXX were not authorized by me and I suspect they may be fraudulent. I am requesting that these inquiries be removed from my credit report immediately. 

Additionally, there are several inquiries that I do not recall authorizing. These inquiries from XXXX XXXX XXXX  XXXX and XXXX XXXX, XXXX  are unfamiliar to me and I request that they be removed from my credit report. 

Furthermore, there are several accounts on my credit report that have questionable information associated with them. The account with XXXX  XXXX XXXX with the account number XXXX and XXXX, as well as the account with XXXX  XXXX XXXX with the account number XXXX, all have questionable names and numbers. I am requesting that either the information be clarified or the accounts be deleted from my credit report. 

In addition, the account with XXXX XXXX with the account number XXXX has a payment history despite being listed as a charge off. This is inaccurate information and I am requesting that this account be removed from my credit report. 

Lastly, the account with XXXX with the account number XXXX and the account with XXXX  XXXX with the account number XXXX both have incorrect information associated with them. I do not recall ever being late with my payments and I request that this inaccurate information be removed from my credit report immediately. 

I appreciate your attention to this matter and I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: NJ

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 without 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 2023-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
I am writing this complaint because I previously had an comenity bank/express credit card. I mailed in my payment in full to comenity bank/express in 2017 and a week later I received a letter from XXXX XXXX  saying I owe the debt but I informed them that I had mailed the amount owed to comenity/express. They told me I needed to call them because XXXX  never received a payment from them. I immediately called comenity/express and they stated they had not received a payment from me. I had sent them two payments on the same day. So I called XXXX  back and we agreed to wait awhile but and almost two months later of going back and forth they stated they just received a partial payment from them. I then called comenity/express again to inquire about the other half of the payment and they said they had no record that they received any payment for me ( which was crazy because XXXX  had gotten a partial payment from them ). Comenity said they would look into the matter but no one ever called me back. After going back and forth with XXXX  I just paid the remaining balance and filed a complaint with CFPB to have XXXX  removed from my credit report because it should have never been put on there. They responded that they would remove it from my report and that comenity/express was working to recall it from my credit. This debt has been paid in full and I would like comenity/express removed from my credit report because they stated they were going to recall it to XXXX XXXX and because they state they never received a payment from me but they sent XXXX a partial payment. I dont know what they did with other payment I made to them since they quote had no record that I sent in a payment. 

I havent heard anything else from them to this day. I also have not received a refund of the remaining payment I made. I would like this resolved as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: TX

Complaint narrative:
In XXXX of 2022 I cancelled an internet service with XXXX XXXX ( I was not on any sort of contract at the time ) and switched my internet service to XXXX XXXX. I was instructed by XXXX XXXX to place my hardware that belonged to the company into a self addressed, postage paid box which would be mailed to me. Once the XXXX XXXX received the equipment from me then my service would be closed. I mailed the equipment off as instructed. 

In XXXX of 2022 I was surprised to find I was charged another full-month from XXXX XXXX for service that I had cancelled over a month prior. I contacted XXXX XXXX via phone and inquired about the charge of {$82.00} on XX/XX/2022 to my credit card. The customer service rep indicated that the equipment likely hadn't been processed yet and once the equipment is processed then the account would be updated and credited based on the cancellation effective date. I acknowledged that I understood and waited a few weeks for the credit to apply to my credit card but it never came. So I disputed the charge on my credit card and the credit card company conduced their own investigation and ruled in my favor and reversed the charge. 

XXXX XXXX XXXX again sent me a invoice for the {$82.00} and I again reached out to the company explaining what happened but the customer service basically said " the system says you owe charge so there isn't much I can do ''. 

This charge has been sent to XXXX and it is affecting my credit, which is otherwise stellar. I am disputing the validity of this charge and I'm seeking the assistance of CFPB to have this derogatory mark removed from my credit report. I have attempted to dispute this charge directly with XXXX XXXX and directly with XXXX to no avail. 

I will attempt to send a pdf file of my credit card statement from XXXX 2022 showing a charge for Spectrum Cable on XX/XX/2022 and a charge from XXXX XXXX  in XX/XX/2022. I wouldn't not have kept of paid for both services at the same time because once I had the Spectrum service installed. I called and cancelled the XXXX XXXX. I have no documentation of the cancellation because it was done via phone. I was unable to locate the UPS receipt I received from mailing the XXXX  equipment back but it was definitely sent back in a prompt manner.

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 2023-03-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been found on my credit report. I have identified several issues with the information that has been reported and I am requesting your assistance in correcting these errors. 

Firstly, there are several unauthorized inquiries on my credit report. These inquiries from XXXX XXXX and XXXX XXXX were not authorized by me and I suspect they may be fraudulent. I am requesting that these inquiries be removed from my credit report immediately.

Additionally, there are several inquiries that I do not recall authorizing. These inquiries from XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX  are unfamiliar to me and I request that they be removed from my credit report. 

Furthermore, there are several accounts on my credit report that have questionable information associated with them. The account with XXXX XXXX XXXX with the account number XXXX and XXXX, as well as the account with XXXX XXXX XXXX with the account number XXXX, all have questionable names and numbers. I am requesting that either the information be clarified or the accounts be deleted from my credit report. 

In addition, the account with XXXX XXXX with the account number XXXX has a payment history despite being listed as a charge off. This is inaccurate information and I am requesting that this account be removed from my credit report. 

Lastly, the account with XXXX with the account number XXXX and the account with XXXX XXXXXXXX with the account number XXXX both have incorrect information associated with them. I do not recall ever being late with my payments and I request that this inaccurate information be removed from my credit report immediately. 

I appreciate your attention to this matter and I look forward to your prompt response. 

Sincerely, 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 2023-03-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been found on my credit report. I have identified several issues with the information that has been reported and I am requesting your assistance in correcting these errors. 

Firstly, there are several unauthorized inquiries on my credit report. These inquiries from XXXX XXXX and XXXX XXXX were not authorized by me and I suspect they may be fraudulent. I am requesting that these inquiries be removed from my credit report immediately. 

Additionally, there are several inquiries that I do not recall authorizing. These inquiries from XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX are unfamiliar to me and I request that they be removed from my credit report. 

Furthermore, there are several accounts on my credit report that have questionable information associated with them. The account with XXXX XXXX XXXX with the account number XXXX and XXXX, as well as the account with XXXX XXXX XXXX with the account number XXXX, all have questionable names and numbers. I am requesting that either the information be clarified or the accounts be deleted from my credit report. 

In addition, the account with XXXX XXXX with the account number XXXX has a payment history despite being listed as a charge off. This is inaccurate information and I am requesting that this account be removed from my credit report. 

Lastly, the account with XXXX with the account number XXXX and the account with XXXX XXXX with the account number XXXX both have incorrect information associated with them. I do not recall ever being late with my payments and I request that this inaccurate information be removed from my credit report immediately. 

I appreciate your attention to this matter and I look forward to your prompt response. 

Sincerely, 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 2023-03-18 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: Army and Air Force Exchange Service
State: IL

Complaint narrative:
I consolidated three credit cards XXXX, Military Star, and XXXX XXXX, thru the Consumer alliance processing corporation two of my cards were paid with no problems but the Military star card was for some unknown reason was transferred to collections after the account was paid off in XXXXXXXX XXXX XXXXXXXX. The account was transferred after the account was paid off. The confusion starts with Military star they cant answer a simple question as to why the card went to collections especially since they had been receiving XXXX dollar payments from XXXX XXXX which was agreed on by a XXXX XXXX XXXX at Military star, on XX/XX/XXXX why my original account ending in XXXX went to collections is the problem. I have been given several different answers by several different associates at Military star and as I have stated nobody has wanted to answer why the account was transferred to collections. Im asking that Military star remove this error from my credit and or send a letter to the credit bureaus stating that their late and missed payments were in error on their part and that they make me whole for causing me to not get a car and a home which due their negative reporting for the last two years I have been being denied credit cards and I have been being denied credit period! I sent all documents, I had consumer alliance call them while I was on the phone as well two different associates stated that the account ending in XXXX was paid in full in XXXXXXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXXXXXX and yet Im receiving negative letters stating I was delinquent in payments which were being sent since XXXXXXXX XXXX XXXXXXXX. As I stated the question to Military star is who and why did my account go to collections thats where you will find the problem. Im currently trying to purchase a house and I need this corrected and removed immediately. I have refrained from bashing this inept company Military star I just want this corrected. 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