vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Roosen, Varchetti & Olivier, PLLC
State: GA

Complaint narrative:
This complaint is regarding Roosen, Varchetti and Oliver-GA PLLC . Hereafter referred to as RVO-GA PLLC . RVO-GA PLLC is attempting to collect a debt in which they say I, XXXX XXXX XXXX XXXX , owe RVO-GA PLLC and their XXXX  XXXX XXXX a total amount of {$2600.00}. 
On XX/XX/year> I, XXXX XXXX XXXX wrote a letter, sent via certified mail in response to the notice received via mail to my home address from RVO-GA PLLC on XX/XX/year> stating that I must respond in writing or via phone call requesting me to validate the debt thats owed and to provide them with a response by XX/XX/year>, and I did. I, XXXX XXXX XXXX requested RVO-GA PLLC to provide me with competent evidence bearing my actual wet signature, showing that I, XXXX XXXX XXXX have or ever had a contractual agreement with RVO-GA PLLC, and their client XXXX XXXX XXXX as an obligation to pay their client . This is not sufficient and compliant of federal laws under the Fair Credit Reporting Act in the corresponding local state laws. 
Once again, XXXX XXXX XXXX, XXXX hired yet another contracted law firm previously here in the State of Georgia after deceptively e-filing a garnishment on XXXX ( Case : XXXX ) XXXX taking {$2600.00} from my XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
And now, they are at it again with a new Law Firm RVO-GA PLLC two weeks later continuing to utilize deceptive unfair practices to continue to extort. RVO-GA PLLC and their client XXXX XXXX XXXX is continuing to violate my consumer right once again according to FDCPA ( Section 807-8 ), FCRA ( Section 623-b ), Negligent Enablement of Identity Fraud, Defamation of Character and my 14th Amendment Rights violating the Due Process Clause which provides that no state may deprive any person of life, liberty, or property, without due process of law. The 14th Amendments Due Process Clause guarantees procedural due process, meaning that government actors must follow certain procedures before they may deprive a person of a protected life, liberty, or property interest. RVO-GA PLLC and their client XXXX XXXX XXXX is continuing utilize unfair deceptive illegally practices by continuing to garnish my XXXX XXXX XXXX XXXX XXXX without any formal or legal notice prior to their requested response deadlines. 
XXXX XXXX XXXX, XXXX already fraudulently took {$2600.00} on XXXX and now they attempting to deceptively file an additional garnishment with RVO-GA PLLC to take {$2600.00} from me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern : Dear Sir/Madam, I am writing to you to dispute several items on my credit report that were verified by XXXX. On XX/XX/year>, I requested evidence detailing how the information was verified via certified mail Track # XXXX XXXX XXXX XXXX XXXX XXXX. Despite the passage of 38 days since my initial request, I have not received any response or evidence regarding the verification process. 

The disputed accounts are as follows : XXXX XXXX XXXX : {$13000.00} STATUS : CLOSED ACCOUNT # XXXX XXXX XXXX XXXX : {$53000.00} Status : Closed Account # : XXXX XXXX XXXX XXXX : {$13000.00} Status : Closed Account # : XXXX XXXX XXXX XXXX XXXX : {$37000.00} Status : Closed Account # : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$12000.00} Status : Closed Account # : XXXX XXXX XXXX Balance : {$0.00} Status : Transferred Account # : XXXX XXXX  XXXX XXXX : {$0.00} Status : Closed Account # : XXXX XXXX  XXXX XXXX : {$0.00} XXXX : OPEN ACCOUNT # XXXX I request that XXXX provides me with documentation detailing how each of these items was verified. This documentation should include the method of verification, the date of verification, and any correspondence exchanged with the creditors or data furnishers. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to request this information and to ensure the accuracy of the items on my credit report. Failure to provide this information within a reasonable time frame will necessitate further action on my part, which may include seeking legal counsel. 

Please treat this matter with urgency and provide the requested documentation at your earliest convenience. You can send the documentation to the address listed above. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: IL

Complaint narrative:
This grumbling to EXPERIAN was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the XXXX XXXX XXXX XXXX, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number 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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
So I have made numerous attempts regarding this account they closed it. He charged it off without telling me and you guys kept saying it is verified blah blah blah. Its legit when it wasnt now after they closed it off, collected their money from the government or their insurance if not both now they reopened it Illegal so Id like to be taken care of now Id like to have a remedy and you know what those remedies are because what they are doing is illegal and Im gon na go to the attorney general too because numerous times complaints with you guys and you dont do nothing Going back all alone with the fraud. Both these credit cards now only ones charged off this one that was charged off months ago is not back open, but I cant go any further back to XXXX and theyre still charging me interest because they reopened it and Ive even showed documents to consumers to protect us from these kind of fraud XXXX to report XXXX XXXXXXXX to XXXX XXXX numerous complaints about you dont do nothing you say its all right

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AR

Complaint narrative:
In a 2nd attempt in trying to resolve this matter with Jefferson Capital. On XXXX I recenlty requested information with my signature obligating me to the alleged debt they claim belongs to me and that i owe. Jefferson Capital has failed to provide the requested information and therefore continues to collect and credit report which now is false misrepresentation under the FDCPA and a violation of Arkansas 4-59-101 ( a ) ( 2 ) making there collection attempt unenforceable. I did not request verification or validation of debt from Jefferson Capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Credit Corp Solutions Inc.
State: PA

Complaint narrative:
XXXX. 

I am writing to inform you that I have detected a newly surfaced collection account in my credit history. I am entirely unfamiliar with the subject, holding no responsibilities towards the reported debt charges. It's not clear where these accusations are coming from, I'm asking you nicely to get rid of them right away. 

Account Name : CREDIT CORP SOLUTIONS ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Accurate recording and retrieval of financial transactions are crucial for building trust among stakeholders. Making sure everything works smoothly together boosts credibility, making the credit system run well and fair. 

Thank you for looking into this quickly and hope to hear back soon from your organization with positive results. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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 did not authorize these inquiries reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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 did not authorize these inquiries reporting on my credit report

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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I've consistently maintained timely payments on this account, ensuring they're never overdue. I'm uncertain why there are late payment remarks on my accounts. Under 15 USC 1666b, billing errors should be rectified.

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 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
My account at navy federal Credit Union is being blocked. They said they received an order from child support to do so. I informed them that my daughter was deceased and I have a court order of the case termination. I also informed them that I have a satisfaction of judgement from the deputy commissioner. They told me I have to work it out with child support. This has placed me in a hardship not having access to my funds. I am retired and live alone. I am contacting the CFPB to request my account be released. If proof of the court order and satisfaction of judgement is needed I can provide that. It has been over 2 weeks and my bills as well as my accounts are being delinquent and the gas to my home was recently shut off for a week now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This Complaint is against Wells Fargo, let and the method they utilize when they answer complaints. Wells Fargo responds in a general way, with several pages of the same details, as they respond, with the same general published declaratory language used in every response. The response and reply of Wells Fargo is not specific. very limited, and needs to be more precise to the complaint at hand. Basically the goal is an agreeable resolution by both parties. The methods used by Wells Fargo only further validate why Wells Fargo has been voted the most  XXXX  bank in XXXX on many online surveys.

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 2024-04-15 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: IL

Complaint narrative:
I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

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 2024-04-15 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: AZ

Complaint narrative:
Compliance with FCRA 605B requires the eradication of inaccurate accounts from my credit report. Could you please examine the documents? Certain listed accounts demonstrate reporting inaccuracies and must be eliminated without delay.

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 2024-04-15 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: CA

Complaint narrative:
I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BE REMINDED BY THIS VIOLATIONS/LAW ALSO : According to 15 U.S.C 1681 section 602 A , I'm entitled to privacy rights. Additionally, 15 U.S.C 1681 Section 604 A Section 2 prohibits a consumer reporting agency from providing an account without my written consent. Furthermore, 15 U.S.C 1681c. ( a ) ( 5 ) stipulates that consumer reports can not include certain adverse information beyond a seven-year period from the date of the report, except for crime convictions. Lastly, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it's prohibited to provide inaccurate consumer information to any consumer reporting agency knowingly or with reasonable cause to believe it's inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: CA

Complaint narrative:
I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BE REMINDED BY THIS VIOLATIONS/LAW ALSO : According to 15 U.S.C 1681 section 602 A , I'm entitled to privacy rights. Additionally, 15 U.S.C 1681 Section 604 A Section 2 prohibits a consumer reporting agency from providing an account without my written consent. Furthermore, 15 U.S.C 1681c. ( a ) ( 5 ) stipulates that consumer reports can not include certain adverse information beyond a seven-year period from the date of the report, except for crime convictions. Lastly, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it's prohibited to provide inaccurate consumer information to any consumer reporting agency knowingly or with reasonable cause to believe it's 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 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
Ive been using US bank for over a year now and they were a good bank or so I thought for awhile then recently I got a large check plus my paycheck and it was an anniversary and my account said I had this amount of money and apparently I did not. It takes a few days for charges to go from pending to completed and about the 3rd from the last charge I got hit with an overdraft fee saying my account had gone negative which confused me from what my balance previously said and then another transaction cleared and another overdraft charge and finally a third one thats been pending for four days is about to clear which will make a third overdraft charge totaling {$100.00}. I called the bank and tried to talk with them about it and they said there was nothing they could do and I would receive a {$36.00} charge for any all pending transactions still on there. Im in astonishment a bank can charge you three overdraft fees in essentially two days for charges made with the account balance seemingly fine during purchasing.

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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
According to the IRS, an unpaid charge-off is income and according to the FCRA income can not be reported on a credit report. I am requesting a 1099-C ( Cancellation of Debt ) from the below charged-off accounts. Please send the 1099-C form. 

XXXX - Account number XXXX Amount {$2600.00} XXXX - Account number XXXX Amount {$4400.00}

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