vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maury Cobb, Attorney at Law, LLC
State: CO

Complaint narrative:
I got our phone from XXXX XXXX on a promotion its a XXXX XXXX XXXXXXXX XXXX the promotion was I trade in my phone, which is a XXXX XXXX XXXX XXXX XXXX and they gave me a brand new phone XXXX  half of the bill and XXXX pay the other half. I was paying for some time because I have a line as my phone was with them until I was tired of the padding of bills etc. so I left the company and go to another phone provider but before I did that I call XXXX XXXX and let them know that I will be removing my phone line from them, but I will keep paying my other off until the phone is completely paid off, they told me yes just keep one of my line open so I can make payments. I keep making payments until one a couple months. I was at the roof edge and I couldnt make any payments for that couple months. I think it was two months they send me a bill saying that I need to pay {$830.00} for the phone which this phone the original price is {$750.00} at the time when I got this bill I only had {$290.00}. I called the XXXX  when I got the letter and ask them whats going on because Ive been paying and I do not hold you {$830.00}. The gentleman told me that he couldnt he couldnt say anything about it and ask him can you like send it back on track because that was in the country of agreement he said he doesnt have any paperwork. He doesnt have any paperwork for the phone and I have to call the debt collector people after I called them and let them know what I was going to. Do they still say that I need to pay the full amount so all the bat money that I was paying the erase it and I have to pay it online {$30.00} for the phone and thats not correct the car so if I could get some help on this matter, I would appreciate it. I just wan na pay what I owe

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC
State: LA

Complaint narrative:
Late 2021 I ordered two cellphones from XXXX that were to be delivered to the XXXX store from where I ordered the phones. I received word that the phones were delivered to the XXXX store and ready to be picked up. When I arrived at the XXXX store to pick up and activate the phones the personnel at the XXXX  store could not find the phones. 

I asked if they could order two other phones since they lost the two we had ordered. The store representative said they would look into this but may take a few days. I told them to then cancel everything since I have not received the phones and when they sort out what happen i will come back in and try again. As I heard nothing for several days I decided to go with another cellular company for my cellphone needs. 

Within a few weeks I started receiving letters from XXXX stating I owed XXXX money. That letter, and the 3-4 others that I received after with increasing amounts, did not state what specifically they were trying to charge me for, just giving an amount owed. 

Each time I received a letter I called XXXX to explain what happened. Each time i called they could see in the report that I did not receive the phones and said they would take care of this. However, within a few weeks I would receive another letter from XXXX sating I owed even more now. 

Then I stated getting phone calls from Frontline Asset Strategies saying they were trying to collect the debt. I explained the situation to them and also sent Frontline Strategies a certified letter explaining the situation, and stating I would never pay a cent for products and services I never received from XXXX. 

Now appears Frontline Asset Strategies has put this through as a collections on my credit report, thus damaging my credit for something I never received and should not be held responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I filed a complaint with a representative over the phone regarding this matter already. Due to a mobile deposit back on XX/XX/2022, did not clear after 3-5 business ( not including weekends ) having many transactions being declined. Also, charging {$30.00} stop payment fees for every merchant knowing that I have overdraft protection ( not allowing for transactions if there's no available money in the account. I decided to close my account due to many discrepancies as when clearing in the account.

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 monetary relief
Consumer complaint received 2023-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I received an email from Capital One falsely stating a payment I made of {$3100.00} paid in XXXX XXXX had been returned on XX/XX/XXXX, due to a " Payment Account '' issue. 
I made a call to Capital One and got no where. I made a second call to Capital and got to a supervisor, with a XXXX XXXX representative on the line, who showed the check had been deposited and cleared by Capital One. I received images and a check number which was provided to the Capital One representative on the phone. She put me on hold 10+ minutes, came back on the line, said an investigation was initiated... but she had no case number to provide to me. 
I subsequently received two letters from Capital One denying my " request regarding a returned payment ... '' The latest letter dated XXXX XXXX, XXXX, was received today XXXX XXXX, XXXX after I sent two faxes, XXXX on XX/XX/XXXX and XXXX own XX/XX/XXXX. I provided copies of the front and back of the check showing it was deposited and cleared by Capital One. 
Capital One after all this refuses to acknowledge met payment cleared and has effectively stolen {$3100.00} I paid from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am having a difficult time getting XXXX, Transunion, and XXXX to remove an account that they are inaccurately reporting. I have sent many dispute letters to XXXX XXXX of no avail. They are reporting that the account XXXX XXXXXXXX XXXX  XXXX was late 2 times and eventually charged off. This is not true. During 2020, I was on deferment due to covid so there should be no late payments according to the FCRA. I am asking that the credit reporting agencies remove the account from my credit report or update the account to paid as agreed never late, removing all late payments for their negligence. I am aware that I can be compensated up to {$1000.00} per violation, but at this time I am only interested in the deletion of the inaccurate information to reflect my true credit profile as this is causing me extreme distress. I do look forward to a response within 15 days.

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 2023-02-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am having a difficult time getting XXXX, XXXX, and Equifax to remove an account that they are inaccurately reporting. I have sent many dispute letters to the point of no avail. They are reporting that the account XXXX XXXXXXXX XXXX  XXXX was late 2 times and eventually charged off. This is not true. During 2020, I was on deferment due to covid so there should be no late payments according to the FCRA. I am asking that the credit reporting agencies remove the account from my credit report or update the account to paid as agreed never late, removing all late payments for their negligence. I am aware that I can be compensated up to {$1000.00} per violation, but at this time I am only interested in the deletion of the inaccurate information to reflect my true credit profile as this is causing me extreme distress. I do look forward to a response within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear Wells Fargo Bank, I am writing to inform you that I am a victim of fraud. I have not deposited any checks into my account in the last 30 days. I was made aware of the fraud when your bank called me to confirm the deposits. 

I understand that under the Fair Credit Billing Act, I have the right to dispute any unauthorized charges or credits made to my account. I am asking that you take immediate action to investigate and reverse any fraudulent charges made to my account. 

I am also requesting that you place a fraud alert on my account to prevent any further fraud. I would also like to be informed of any other measures you can take to ensure that my account is secure. 

I appreciate your prompt attention to this matter.

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 2023-02-13 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: TN

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. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-02-13 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: TN

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXC Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fairway Capital Recovery, LLC
State: OH

Complaint narrative:
Was not aware of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
My identity was stolen to open Utility accounts in XXXX TX at addresses I do not recognize. 

XX/XX/2023 - I received mail about collections accounts that were open fraudulently XX/XX/XXXX XXXX called Online Information Services XXXX report the fraud. 
XX/XX/XXXX XXXX called again, but they said that there is nothing they can do, that I have to prove my case. They said that it will not be removed from my credit report until I pay it. They asked me to return forms that would provide them all of my personal information which I do not wish to share with them. I reserve the right to protect my personal information from creditors I have never heard of. 

Debt Collector : Online Information Services, reference number : XXXX and XXXX Creditor : XXXX XXXX XXXX, amounts {$250.00} and XXXX XXXX {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have no knowledge of this alleged debt and request extensive proof of debt. This is an XXXX 15 U.S.C 1681 602A, 604A, 166bA, 1692C, and 1692G violation. There is no written communication received regarding this debt. Please REMOVE immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: AL

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. 

Account name : XXXX XXXX Account XXXX Account name : XXXX  Account XXXX Account name : XXXX Account XXXX Account name : KXXXX XXXX XXXX Account number : N/A Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXXXXXX XXXX  Account XXXX Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: AL

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. 

Account name : XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX XXXX Account number : N/A Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX  Account number:XXXX Account name : XXXX Account number:1XXXX has violated my rights. Or list of inquiries 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 2023-02-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2023, and XX/XX/2023, I disputed medical debt of {$100.00} by XXXX XXXX XXXX Acct # XXXX. Both disputes did not resolve to have the XXXX XXXX under {$500.00} XXXX XXXX XXXX XXXX XXXX ). 

On XX/XX/2023, I called Equifax to ask that the dispute be resolved under the law. The Equifax representative stated that the law isn't enforceable because it doesn't have a " start date ''. I asked that she find further clarification on this point. She returned and stated that she could only file another dispute, but not resolve any dispute under XXXX XXXXXXXX because it doesn't have a " start date. '' XXXX  XXXX is in full effect. I want XXXX XXXX Systems Acct. XXXX medical debt of {$100.00} removed. I also want Equifax to follow the law at all times without months of consumer time to correct what this company should have already implemented.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent account ( XXXX XXXX XXXX XXXX ) Fraudulent inquiry XXXX XXXX XXXX date of inquiry ( XX/XX/ )

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 2023-02-13 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: TX

Complaint narrative:
The company XXXX XXXX XXXX XXXX XXXX ) has accessed and misused personal information and attempted to collect a debt. Upon my research I have found that this company is not licensed in the state of Texas. 

In accordance with The Fair credit reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is therefore fraud. 


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 XXXX 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 response to consumer: Closed with explanation