vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Notice to Agent Is Notice to Principle Notice to Principle Is Notice to Agent To : CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. : XXXX XXXX XXXX XXXX XXXX First Notice Opportunity to Cure Validation of a Debt Request Pursuant to 15 USC 1692g To whom this may concern regarding said account XXXX BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that your offices have reported invalidated information to the 3 major credit bureaus ( XXXX, XXXX or XXXX ) and this action constitutes FRAUD under both Federal and State Laws. Due to this fact, with negative mark currently detected on my credit reports by your company or the company you represent, if not resolved and REMOVED IMMEDIATELY, I will not hesitate in bringing legal action against you and your client for the following : listed violations below carrying a {$1000.00} enforceable penalty for damages per violation. 
CREDENCE RESOURCE MANAGE has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet placed a collection on my consumer report.

According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) CREDENCE RESOURCE MANAGE never provided me the opportunity to dispute this account.

CREDENCE RESOURCE MANAGE has zero authority to furnish any amount to a consumer reporting agency without providing any and all disclosures required by law and is clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 

This includes any listing of information to a credit reporting repository/ agency that could be inaccurate or invalidated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
While I was in another state Someone made a fraudulent Charge using my debit card numbers. They made two identical purchases for {$140.00} before Wells Fargo declined them from making Three more purchases at the same gas station. I called and reported the fraudulent purchases two days later when they showed up on my account. The charges were even still pending for more than two days, and I reported them as fraudulent when they were still pending charges. I am still in possession of the card and have proof by multiple eyewitnesses that I was in another state. My bank determined that they were not fraudulent, even though they had proof and even the bank itself had denied those other attempts for the same amount. Wells Fargo is not willing to admit their failures and refund my stolen money.

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 2024-06-24 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: MO

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  15 u.s.c 1681 SECTION 602 a. States i have a 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 2024-06-24 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: MO

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 15 u.s.c 1681 SECTION 602 a. States i have a 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 2024-06-24 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: CA

Complaint narrative:
XXXX XXXX XX/XX/year> I am reporting a fraudulent inquiry found in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: GA

Complaint narrative:
Subject : Complaint against XXXX XXXX XXXX regarding misleading communication and improper debt collection practices Date of incident : XX/XX/XXXX - Present Complainant : Complaint Details : XXXX. On XX/XX/XXXX, my XXXX vehicle was totaled by a XXXX XXXX 

XXXX. In XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX ) instructed me via their online portal message to stop making payments on the vehicle, pending the conclusion of the insurance claims in-process at that time. 

XXXX. An XXXX representative verbally confirmed this instruction over the phone, stating they do not want me to overpay during the insurance claim process. 

XXXX. My last payment was made on XX/XX/XXXX. Subsequently, XXXX closed the payment portal for my account, making it impossible to access and make further payments. 

XXXX. The insurance company ( XXXX ) paid the fair market value for the vehicle, leaving a balance of {$11000.00}. 

XXXX. My XXXX insurance claim was denied on XX/XX/XXXX, due to circumstances beyond my control. 

XXXX. For XXXX months following the denial of the XXXX XXXX XXXX I received no communication from XXXX or any other entity regarding how to pay the remaining balance due to XXXX. During this time period I received regular communication with XXXX regarding my second vehicle. 

XXXX. On XX/XX/XXXX, I unexpectedly received a collections notice from ANFI , Inc., stating that the account was delinquent and had been placed with their office for collections. 

XXXX. I intend to dispute this debt and request validation from the collection agency. 

Requested Resolution from CFPB : XXXX. Investigate XXXX 's failure to provide clear instructions for handling the remaining balance after the insurance payout. 
XXXX Review the appropriateness of sending the account to collections without prior notice. 
XXXX. Require XXXX to improve their communication practices with customers in similar situations. 
XXXX. Assist in resolving the outstanding balance without negatively impacting my credit score, given the misleading instructions I received from XXXX. 

I can provide additional documentation to support this complaint if required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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:
According to 15USC 1681EB a consumer has a right to fair credit reporting. The account from XXXX XXXX XXXX violates the consumer protection act and FCRA. It has inconsistent data from account opening, to account numbers, to high credit and inconsistent dates. By law, the account must be removed otherwise the company is at fault and fines are punishable. I have attached a copy of the report and want the account removed.

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 2024-06-24 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: FL

Complaint narrative:
I have been trying and trying to get these fraudulent accounts removed from my credit report but i just cant seem to get the help i need. Please, this is identity theft. help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Im being denied credit due to my income coming from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I value my credit score a lot and the inaccuracies in my report has negatively affected my financial opportunities as well as my mental health, it is all down just like my credit score. It is really frustrating and disappointing to be consistently ignored with my requests to correct these inaccurate information 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 explanation
Consumer complaint received 2024-06-24 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: MA

Complaint narrative:
There is a collection account listed as XXXX XXXX on my credit report. This account does not belong to me, I have no knowledge of this account. This account needs to be removed from my credit report ASAP as it is hindering me from receiving accurate reporting, violating my consumer rights. FCRA Section 605B also requires by law to obtain consent before including information on my credit report. This is a violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: GA

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
It is very upsetting that my credit report contains inaccuracies and incomplete information. My request to correct this information keeps getting disregarded and my credit score is unfairly affected.

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 2024-06-24 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Earnest Inc.
State: OH

Complaint narrative:
Loans were issued through XXXX XXXX which were sold over to XXXX  to attend XXXX XXXX  which is now XXXX XXXX  XXXX. I attended from XXXX. This school is apart of the XXXXXXXX XXXX XXXXXXXX lawsuit. My interest rate went from 8 % to 15 % at the end of the year which I could not afford. Since I didn't think that private loans would have a chance of being forgiven, I refinanced them over to Earnest. Now XXXX has an application for private loan discharge and Earnest is saying I am not eligible to have these loans discharged since they were refinanced. The timing of this all is unfair because had I known, I would have never refinanced. I have been paying on these loans for over 10 years and have struggled to stay current. I only have an XXXX XXXX XXXX but still owe {$300000.00}. I don't even want to be refunded what I have paid. I just want these loans to go away. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
Around XX/XX/year>, we noticed that we were being charged extra for our mortgage insurance, resulting in an escrow shortage.

We contacted Shellpoint Mortgage Servicing ( Shellpoint ) on XX/XX/year>, and spoke with XXXX XXXX. She informed us that our insurance company, XXXX XXXX XXXX XXXX XXXX ( XXXX ), had captured those extra funds and that we would need to contact them for a refund. 

A call to XXXX XXXX, XXXX XXXX XXXX for XXXX, confirmed that they did receive overpayments from Shellpoint and that a refund was due to us. XXXX advised that they could not refund directly to Shellpoint ; instead, once we received the funds, we would need to send them directly to Shellpoint to replenish the escrow account. 

On XX/XX/year>, we received a refund check from XXXX in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We then forwarded those funds to Shellpoint to replenish our escrow shortage.

To date, Shellpoint has not adjusted our payment correctly, causing our company financial harm by overcharging us about XXXX XXXX dollars per month. There is still an overcharge of {$2100.00} for the insurance premium billed. We have made additional escrow payments totaling {$12000.00} and returned {$10000.00} from XXXX to Shellpoint. In total, {$22000.00} has been paid to escrow over the last XXXX months. Despite this, we continue to be overcharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
While I was in Texas again the vehicle listed on my credit during that time frame was opened in 2019. I got it for my birthday from a XXXX dealership and was feeling my hard work pay off. XXXX to reflect on the situation of XXXX once again those people played so many mind games and long story short I reused to pay the note due to all the " defects '' " malfunctions '' " issues '' with a brand new XXXX XXXXXXXX XXXX? Really? So they repossessed it and ruined my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
f there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: MI

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Back around XXXX of XXXX, again in XXXX of XXXX, and again today on XX/XX/XXXX, TransUnion has continued to block my access to my login- or ANY of my credit report information. When I called the tech support line, I was met with a total lockout even after completely changing my account. I can not update any information, see my credit report, or address anything that needs correction. I was asked if I used XXXX, as " safety lockouts '' are common in XXXX, but I use XXXX. It appears I'm not even allowed to check when my last freeze was, and I am in the dark about what has and hasn't been reported to my TransUnion 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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I value my credit score a lot and the inaccuracies in my report has negatively affected my financial opportunities as well as my XXXX XXXX, it is all down just like my credit score. It is really frustrating and disappointing to be consistently ignored with my requests to correct these inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief