vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
Dispute Letter to Amsher Collection Services XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX 

XXXX MI, XXXX XX/XX/year> Amsher Collection Services , Inc . 

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX NMLS # XXXX RE : Account Dispute and Request for Validation Dear Amsher Collection Services, This letter is to formally dispute any and all debts you claim I owe. I am writing in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1681-S 2 ( 7 ) ( a ), and Regulation E, 12 CFR 1006.34.

Request for Debt Validation Pursuant to 15 U.S.C. 1692g ( a ) ( 1 ), I demand written verification of this alleged debt. This verification must include the following information : The name and address of the original creditor. 

The amount of the debt. 

The date the debt was incurred. 

A clear explanation of the charges. 

Verification that Amsher Collection Services is the current legal owner of the debt. 

Request for Purchase Agreement If Amsher Collection Services has purchased this debt from the original creditor, I request a copy of the purchase agreement under 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Proof of Licensure and Bond Before I can further discuss this matter, I require proof that Amsher Collection Services is licensed and bonded to collect debts in the state of Michigan, as mandated by state law. 

Cease Communication Furthermore, I revoke all prior consent given to Amsher Collection Services to communicate with me via phone calls, text messages, or email. All future communication must be done in writing through certified mail, return receipt requested, to the address provided above. 

I expect a response to this letter within 30 days of receipt, which should include the requested documentation and confirmation of my communication preference. Failure to comply with these requests or any violation of the FDCPA will be reported to the Federal Trade Commission ( FTC ) and the Michigan Attorney General 's office. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-07 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: NJ

Complaint narrative:
Ive recently checked my credit report and noticed an inaccurate account reporting

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
Subject : Disputing Debt owed to XXXX XXXX Account XXXX XXXX claims I owe - {$180.00} Attached : Mailed XXXX Doc.pdf- copy of letter mailed to XXXX XXXX text document of email communications XXXX has engaged a debt collector for a debt that is not owed by me. The company claims the account was closed on XXXX and not XX/XX/XXXX. Requested proof of the phone call I made on XX/XX/XXXX, will all notes have not been provided after multiple requests. 


XXXX claim that I owe a debt to XXXX is inaccurate : - On XX/XX/XXXX I signed up for the XXXX program Try it worry-free for 15 days. Test drive XXXX Home Internet for 15 days to see how great it works for you - On XX/XX/XXXX I called XXXX to cancel my account/Service. I spoke with a representative who identified himself as XXXX who stated : The account would be closed and no payment would come out of my account - The account was opened and closed in the program worry-free 15-day period. XX/XX/XXXX XX/XX/XXXX = 15 days - All equipment was returned via XXXX  XXXX  Tracking # XXXX - I complied with all terms of the plan

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$66.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : 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 2024-03-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$66.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

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 2024-03-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep frustration and dissatisfaction regarding the persistent presence of unauthorized inquiries on my credit file. Despite multiple attempts to rectify this issue, the unauthorized inquiries continue to negatively impact my credit score and financial reputation.

I discovered several inquiries that I did not authorize or recognize. Since then, I have made numerous attempts to have these unauthorized inquiries removed from my credit file. I have submitted formal disputes, provided supporting documentation, and followed all prescribed procedures outlined by your agency. However, despite my diligent efforts, the unauthorized inquiries remain unresolved. 

The presence of these unauthorized inquiries not only undermines the accuracy and integrity of my credit report but also raises serious concerns about the security of my personal information. As a responsible consumer who diligently monitors their credit report, I find it unacceptable to be unfairly penalized for inquiries that I did not initiate or authorize. 

Furthermore, the lack of progress and communication regarding the status of my dispute only adds to my frustration and erodes my trust in your agency. I have not received any updates or explanations regarding the reasons for the delay in resolving this matter, leaving me feeling disregarded and powerless in protecting my financial interests. 

I demand immediate action to investigate and rectify this situation by removing the unauthorized inquiries from my credit file without further delay. Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. With this, I am asking for your assisstance to remove these unknown inquiries in my credit file : XXXX XX/XX/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

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 2024-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
First and foremost, I want to make it clear that I did not request information from Department of Education/Nelnet because my accounts information clearly states on their website and displays that I do not owe any balances and that they are {$0.00} paid in full. This information is also read to me when I call in over the phone by the automated system and confirmed by Department of Education/Nelnet staff .

My Department of Education/Nelnet loan accounts were transitioned to XXXX effective XX/XX/XXXX. However, the Department of Education/Nelnet has not updated the loan balances to reflect that the information they have and that is currently own their website {$0.00} paid in full/closed. As a result, the loans are being double reported by both lenders Department of Education/Nelnet and XXXX for almost a year now. 

I started this dispute process on XX/XX/XXXX. I tried to see if the loans would update on their own, but they haven't. I have made numerous calls to Department of Education/Nelnet and XXXX. I even submitted disputed the inaccurate information through the credit bureaus dispute process and uploaded supporting documentation as evidence. 

I still have not been completely successful. When I call into Department of Education/Nelnet I am given conflicting information. One individual advised it should be corrected with an updated file to the bureaus. A supervisor advised they are aware of this problem and that this is impacting other borrowers. The supervisor also advised the Department of Education advised Nelnet not to report on an old loans ( meaning they longer have the ability to make the updates ) and that XXXX was responsible for making the changes. I called XXXX and they advised It's Department of Education/Nelnet 's responsibility. 

I am continuously getting the runaround and this is impacting affecting my credit and scores. I have absolutely no late payments of balances. When trying to apply for a new loan we are being questioned about the student loans that are being double reported. This is ridiculous. The Department of Education/Nelnet has been violating the Fair Credit Reporting Act for almost a year with no consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
( See attached PDF for details ) Wells Fargos credit card division has created an online account summary and payment system that reflects Payment Due Dates and Past Due periods that differ significantly from consumers original credit card agreements. 

Furthermore, Wells Fargo customer service employees often reference the dates associated with this online system while communicating with customers, reinforcing the misaligned information noted above. 

This serious discrepancy results in derogatory credit reporting and unnecessary late fees, potentially impacting thousands of Americans who utilize Wells Fargo credit cards.

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 2024-03-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The account that was charged off is being inaccurately reported on my credit report. After multiple tries to dispute there were no changes made to the accuracy of the information. I settled the account on XX/XX/2024. The information being reported is stating I owe a balance. The original Lender has sent me a letter stating the account was settled and there is no balance owed. I provided that information to the credit reporting companies and the information is still inaccurate. That is a violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a fraudulent account, XXXX XXXX XXXX XXXX that has inaccurately appeared on my credit report. This inclusion is causing significant stress and negatively impacting my financial standing.

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 2024-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my deep frustration and dissatisfaction regarding the persistent presence of unauthorized inquiries on my credit file. Despite multiple attempts to rectify this issue, the unauthorized inquiries continue to negatively impact my credit score and financial reputation.

I discovered several inquiries that I did not authorize or recognize. Since then, I have made numerous attempts to have these unauthorized inquiries removed from my credit file. I have submitted formal disputes, provided supporting documentation, and followed all prescribed procedures outlined by your agency. However, despite my diligent efforts, the unauthorized inquiries remain unresolved. 

The presence of these unauthorized inquiries not only undermines the accuracy and integrity of my credit report but also raises serious concerns about the security of my personal information. As a responsible consumer who diligently monitors their credit report, I find it unacceptable to be unfairly penalized for inquiries that I did not initiate or authorize. 

Furthermore, the lack of progress and communication regarding the status of my dispute only adds to my frustration and erodes my trust in your agency. I have not received any updates or explanations regarding the reasons for the delay in resolving this matter, leaving me feeling disregarded and powerless in protecting my financial interests. 

I demand immediate action to investigate and rectify this situation by removing the unauthorized inquiries from my credit file without further delay. Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. With this, I am asking for your assisstance to remove these unknown inquiries in my credit file : XXXX XX/XX/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

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