vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Galaxy Capital Acquisitions, LLC
State: FL

Complaint narrative:
Galaxy international claims that i owe them money in which case i do not. I have never signed an agreement with them and have asked them how, when and where did they receive my personal information. Galaxy International has now threatened to to take me to court for an outstanding balance or {$2500.00}. You will notice on line 8 that account was charged off by original creditor XXXX XXXX XXXX  on XXXX XXXX. They should have sent 1099-cC to IRS and my self in which case they didn't now making this case a violation of law under. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: CA

Complaint narrative:
I am writing to formally dispute and request the blocking and deletion of multiple fraudulent accounts that have appeared on my credit report. I am a victim of a data breach, and the following accounts were reported without my authorization. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate removal of the following fraudulent items from my credit file : Fraudulent Accounts : 1. Bankruptcy Chapter 7 o Case Number : XXXXXXXX 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 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 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 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 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 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 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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: MD

Complaint narrative:
According to the FCRA the account named, TRUEACCORD CORPORATION has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of accurate debt if valid ; ( 2 ) the debt owed is a culmination of what alleges to be fraudulent charges ; retained deposits, were not returned, were undisclosed and unaccounted for. Name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a
statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I looked at a copy if my credit report and notice several Inaccuracies on my account, this account is hurting my ability to obtain credit. It is my understanding that the credit bureau will investigate this account for me to ensure accuracy. The account i m asking you to verify is XXXX XXXX, the account number is XXXX. The balance is {$2900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: BILL.COM, LLC
State: CO

Complaint narrative:
I was laid off in XXXX and have been freelancing since. My freelance clients requested that we use Bill.com for payments, so I signed up for an account. I actually had a lot of trouble even using the service for a basic acceptance of payment, with a lot of back and forth with my clients billing dept, to complete the first payment. It was a stressful and embarrassing experience, and I was eager to get on with my actual work. 

After a month, it automatically enrolled me in the AP / AR paid subscription for $ XXXX/month, when I had no need for the services. After six months of payments, I couldn't fathom why I needed to pay {$50.00} even in months that I did not have work lined up to receive payments. 

I believe I spoke to someone on the phone, who confirmed that I was enrolled in the AP / AR, as opposed to a Spend & Expense account. 

Later, when I filed a complaint with the XXXX, I got a call back, and they said they would refund two months of payments. They confirmed I had been billed for XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. They refunded two months, though I requested at least a 50 % refund. 

Refund request aside, I think its predatory that I was targeted as a single, struggling small business / individual, and automatically charged fees when all I wanted to do was accept the money I earned. They should not be allowed to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: IL

Complaint narrative:
My mortgage is held by XXXX XXXX XXXX XXXX in XXXX Illinois, but is serviced by LoanCare of XXXX  XXXX, VA. I scheduled a payment through the mortgage servicing company 's online portal for {$2400.00} to buy paid on XX/XX/XXXX. On XX/XX/XXXX, I cancelled that payment online and received an email confirming that the payment was cancelled. Believing that payment was cancelled, I scheduled a new one for XX/XX/XXXX for {$1200.00}. I had a change in circumstance and cancelled that payment on XX/XX/XXXX. Again, I received an email confirming that my payment was cancelled. On XX/XX/XXXX, the {$1200.00} was withdrawn from my account. On XX/XX/XXXX, {$2400.00} was withdrawn from my account. Now, my account is overdrawn. I still have a payment scheduled for XX/XX/XXXX for {$1200.00} that I also cancelled on XX/XX/XXXX. They are telling me that payment will be processed also. 

I reached out to the company on XX/XX/XXXX to have the funds returned to me since they are needed to pay other bills. At that time I was told that online payments have to be cancelled 3 full business days before their scheduled payment date or they will be processed despite the confirmed cancellation. I asked where this information was available to the public and was told that it is internal information that is not shared with the consumer. This is clearly a deceptive practice meant to materially harm the consumer and mislead them about the ability to cancel a payment. 

Their policy is that I must show them proof that the funds were withdrawn from my account ( even though they know they have the funds ). Once I provide the proof, then they will take 5 business days to process my request. At the time, they will mail me a check for the funds that they illegally withdrew from my account. This is a stalling tactic that again is intended to materially harm the consumer and deprive them access to their own assets.

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 2024-11-17 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: NC

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2024-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stone Creek Financial, Inc
State: OH

Complaint narrative:
In XXXX, I became aware of attempts by Stone Creek Financ

ial Inc. to collect a debt and initiate wage garnishment without proper notification or documentation. I was never served any certified letters or written notices, and any correspondence sent to outdated addresses years ago was marked undeliverable, leaving me unaware of any court proceedings or obligations related to this alleged debt. Since becoming aware of the situation, I have been unable to obtain any verifiable documentation of the debt, such as the original judgment or creditor details. Additionally, Stone Creek Financial has contacted employers I have never worked for, raising serious concerns about their practices and how they gather information. This is unacceptable and constitutes harassment. 

I demand immediate proof of this alleged debt, including the original judgment and all relevant documentation supporting their claim. I will not tolerate any further attempts at garnishment or collection without clear, verifiable evidence. Until such proof is provided, all collection activities, including wage garnishment attempts, must cease. Failure to respond with this documentation will leave me no choice but to take further legal action to address these unlawful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sezzle Inc.
State: DE

Complaint narrative:
They published Sezzle on my credit report and it reported late payments when they said it never will. They removed it off my XXXX and XXXX but left it on my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I DISPUTE THE FOLLOWING HARD INQUIRIES ON MY CREDIT REPORT * XXXX XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX * XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX * XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 16811 ), unverified inquiries must be removed. I DID AUTHORIZE ANY OF THESE COMPANIES TO RUN MY CREDIT. Please investigate and remove any unverifiable inquiries.

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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I DISPUTE THE FOLLOWING HARD INQUIRIES ON MY CREDIT REPORT * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 16811 ), unverified inquiries must be removed. I DID AUTHORIZE ANY OF THESE COMPANIES TO RUN MY CREDIT. Please investigate and remove any unverifiable inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
LOAN TRANSFERRED FROM XXXX XXXX XXXX XXXX XXXX XXXX BOTH WERE FAXED MULTIPLE TIMES AND ALWAYS EXCUSES MISSING PAPERWORK, XXXX APPROVED BUT NOT XXXX, THERE IS NO REASON FOR XXXX NOT BEING MODIFIED, ALONG WITH MISSED PAYMENT SPS DIDNT PAY THE HOMEINSURANCE THAT WAS IMPOUNDED WITH XXXX XXXX FROM LOAN! YOUR ERROR AND YOU SAY DIDNT GET IT PULL XXXX XXXX XXXX XXXX PAPERWORK I HAVE IT AND HAS BEEN IMPOUNDED SINCE, ALREADY FILED COMPLAINT WITH CALIFORNIA DEPARTMENT OF INSURANCE XXXX WILL JUST FILE IN FEDERAL COURT THIS WEEK

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are inaccuracies on my rental credit report. I have never been evicted and I dont have any judgements.

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 2024-11-17 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX XXXX XXXX # : XXXX XX/XX/year> XXXX central time 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 XXXXXXXX, And all hard and soft pulls as well as regular inquiries I looked at my Experian credit report on XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
The account was NOT opened. I received a letter in the mail from Wells Fargo that they received an online application to open a new deposit account using my personal information. They were unable to successfully verify my identity, therefore, the application was denied and the account was not opened. I am concerned that this is related to the investigation into Wells Fargo employees opening fraudulent accounts to meet quotas.

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