vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: KY

Complaint narrative:
In XXXX of XXXX XXXX ported my numbers over to XXXX for better service in our contract area. I left XXXX. In order for XXXX to allow this I had to pay my bill in full and finish paying off 2 phones, which I did to the tune of about {$1400.00}. XXXX promised me {$1500.00} in rebates which I never received ( another dispute ). In XX/XX/XXXX I received a call from XXXX saying I still owed {$170.00}. I disputed it explaining that I would not have been able to port numbers to XXXX if I had a balance. We argued, I hung up on him. Then on XX/XX/XXXX I got a call from AFNI Collections stating that they were trying to collect a debt from XXXX. I politely explained the situation. He was very rude and condescending, we had a heated conversation at which point I hung up on him. That very day I received an email from my credit monitoring company that my credit had been dinged XXXX points. I called AFNI and demanded to know how 1 if theyre employees could possess the power to do that to someone when I clearly had disputed it. She said she would look into it and contact me back. They never called back but on XX/XX/XXXX the collection was removed and my score increased by XXXX points. At the time I was trying to purchase a vehicle and I was furious that they had been able to do that. I contacted a lawyer who said he could send them a demand letter for {$1000.00} for damages. I disagreed with that amount so never pursued it. Well now you can see by attached documentation that the debt has been sold to another collector and with out notice, proof or cause, they have place a derogatory mark on my credit causing my score to drop again and affecting my ability to get a good rate on a car for my daughter. I intend now to pursue it to full extent possible. This has to stop. These agencies should not possess such power!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: LA

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: Kriya Capital, LLC
State: FL

Complaint narrative:
I need help with this company. They are not responding to any of my request and there is no proof of knowledge of this account being mine and I have asked the credit bureaus for assistance to no avail. I have requested debt validations and sent it certified mail return receipt with signature required and they have violated all consumer laws by reporting this account. I would like them to provide proof of this debt and want the name and address and phone number and email of whoever allegedly validated this account. Thank you in advance for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
ON XX/XX/XXXX A NEW COLLECTION CAME ONTO MY REPORT UNDER THE NAME TRANSWORLD SYSTEMS STATING ACCOUNT WAS OPEN ON XX/XX/XXXX FOR ORIGNAL CREDITOR NATIONAL GRID. I HAVE NEVER RECEIVED ANY TYPE OF COMMUNICATION FROM THIS COMPANY NOR HAVE I RECEIVED COMMUNICATION FROM NATIONAL XXXX. IN RECENT MONTHS NATIONAL XXXX WAS DELETED OFF MY CREDIT REPORT AS THIS IS NOT MY DEBT I HAVE NOT LIVED IN NEW YORK FOR YEARS AND I WAS NEVER CONTRACTED WITH NATIONAL XXXX  NOR WAS I CONTRACTED WITH TRANSWORLD SYSTEMS THIS COMPANY NEVER SENT ME ANY PAPERWORK NO PHONE CALLS NOTHING I WASNT EVEN GIVEN TIME TO DISPUTE THIS DEBT WHICH I WOULD HAVE DONE SINCE THIS ISNT MY DEBT. THIS ACCOUNT POPPED UP OUT OF NOWHERE IM NOT SURE HOW THIS IS EVEN LEGAL TO SAY AN ACCOUNT WAS OPENED 3 MONTHS AGO BUT IVE NEVER ONCE HEARD OF IT UNTIL IT NEGATIVELY RUINED MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 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 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Re : Capital One preventing cardholders from transferring Venture X Rewards Card miles to affiliated partners with two-factor authentication error. According to threads on reddit.com, I am not alone and it has been happening for at least 6 months to multiple card holders. 

Capital One is preventing me from transferring earned miles to their affiliated travel partners. This is a clear violation of their obligation to card holders. 

*Two-Factor Authentication Error Loop* I am experiencing a two factor authentication " error loop '' that only accepts a mobile phone number as a way to authenticate. When I enter this information, it fails to perform the transfer every single time. I have been trying to do it for approximately 10 days now. 

*I Am Not Alone- This Is a Known Issue* My wife just obtained the same card and the same thing is happening to her account. 

I have called customer service. They assigned a case # a week ago. No resolution has taken place as of today 's date and based on postings to reddit.com this is happening frequently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: OK

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-03-18 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: OK

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-03-18 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: FL

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated 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 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-03-18 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: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I received an {$220.00} " American Express Virtual Reward Card '' and it said I could use it online or in store. I've tried XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX. It's either been declined ( I've tried significantly less charges than funds available ) or the stores have rejected it because it's not a physical card. I am completely unable to spend the funds on the card. I am beyond frustrated at the lies, it's basically been worthless to me. When I tried calling, I couldn't get anyone to pick up

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX {$680.00} The debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA, which it prohibits. They furnished this account we did not agree upon, and I did not sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so, they did not follow the XXXX step validation procedure, which makes these unfair practices. According to the FDCPA, I'm entitled to {$1000.00} dollars per violation, and they clearly violated my right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My company uses American Express gift cards as holiday prizes, and I have a few at varying amounts. Despite their website advertising " Use online and in-store '' ( XXXX XXXX XXXX  ) I am constantly denied from using the card at websites that do support Amex cards. They have no method of " registering '' the card to set my name or zip code, and so there is effectively no way to use the card online at most locations. This to me is fraudulent advertising, if known by the company and not disclosed. They should know how many times a card is attempted to be used online and denied, and I would suspect this is over 90 % of the time. I think CFPB is empowered to ask that question to determine how frequently this is happening. The answer " try somewhere else '' is not reasonable when they advertise " ... gift Cards XXXX be used virtually anywhere in the XXXX that accept American Express Cards ''. I have tried various online retailers and have failed nearly every time. I think I found XXXX retailer who allowed use, but it was by far the odd one out. Online discussion forums recommend using for bill pay, so I set it to pay my XXXX XXXX XXXX. It was declined. I set it for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, declined. My local refuse collection, declined. To me this is well beyond what is reasonable to expect from a service that markets as " XXXX online and in-store ''. They must know that this is a problem, but are clearly uninterested in making it better. 

I have XXXX cards currently totaling the following : {$700.00} {$50.00} {$25.00} {$200.00} that I was able to use some and now has {$82.00} remaining I have had these cards for over a year, effectively losing value in record inflation while they withhold my ability to use them. I should have the option to request a check or they should be required to offer registration of cards so they are usable online as they advertise. They note on their website : " To avoid your Card being declined when shopping online, please use at online merchants that require the Card number, expiration and security code '' All sites that I referenced requested all information mentioned and were still declined. So clearly something is off and I think asking American Express about the frequency of declined purchases and the amount held in their account because of these declinations would be interesting. As I see it, they have a vested interest in declining valid purchases as long as possible, and other than public pressure and ridicule, they have no reason to make it better. Federal pressure could help make them do better.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-18 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I have disputed these fraudulent inquiries multiple times with EQUIFAX and they kept ignoring my request. So, I'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately. 

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 explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a chase business card holder. I spend about XXXX a month on the card. Some months its paid off and then some, other months I dont quite pay it all off ( about 90 % ) however they charge interest on the entire XXXX when the only outstanding balance is about XXXX. They are charging me interest on XXXX when I only have a XXXX remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harley Davidson Financial Services Inc
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint against Harley Davidson Financial Services Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Harley Davidson Financial Services for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ).

1. **Failure to Provide Validation Information : ** Harley Davidson Financial Services has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question.

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account.

3. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that Harley Davidson Financial Services cease such practices immediately.

4. **Failure to Provide Disclosures : ** Harley Davidson Financial Services has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

5. **Cease and Desist Order : ** I dispute all debts claimed by Harley Davidson Financial Services , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation.

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement between Harley Davidson Financial Services and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt.

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of Harley Davidson Financial Services. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
Fraudulent account details : XXXX number : XXXX dates of service : XX/XX/XXXX XXXX XXXX XXXX address XXXX XXXX XXXX number : XXXX Waypoint has been harassing me for over a year. I have repeatedly told them to not contact me. I finally called in and confronted them and told them to provide me with all of the available information. I am not associated with any of the above information. The fraud has hit my credit. I have issued a fraud alert with XXXX and reported the fraud. Waypoint said they would send me an affidavit and never did. Instead they sent me a bill asking me to pay for half of the debt. I've repeatedly informed them that I do not recognize this debt. Today they suddenly told me to contact XXXX, which contrasts the previous times when they told me they would mail me an affidavit. When I confronted them about the lack of an affidavit they informed me that the bill were actually account details. Thinking that the whole thing was a scam I threw the bill away since the agent promised it would be an affidavit. This is completely untrue. I never received any information regarding an account in the mail. I had to demand the above information over the phone. I had them resend the actual account details in an email and have not received it. When I called again they then said it would take XXXX business days to send the email. For an email that is a ridiculous amount of time. I have since filled out an affidavit with XXXX despite not having an account with them. The lack of communication and honesty with both of these companies has been horrendous and I am completely engaged that I must now spend the next days trying to prove something that I didn't do and over something that I don't owe.

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 2024-03-18 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: CA

Complaint narrative:
I reviewed my recent credit reports on XX/XX/2024 and observed an open credit card from XXXX XXXX that I did not authorize to open. I sent a letter to XXXX XXXX telling them that this credit card was opened fraudulently, but they refused to investigate the matter. They said, " Looks like this letter came from a credit repair and won't investigate. '' I requested the investigation, but they are not removing this fraudulent account. 

I need your assistance in getting this XXXX XXXX  credit card removed from my XXXX credit bureaus.

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 2024-03-18 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: Open Dealer Exchange, LLC
State: MD

Complaint narrative:
noticed unknown and unauthorized credit inquiries.

Company response to consumer: Closed with explanation