vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 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: Nelnet, Inc.
State: PA

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 XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : DEPT OF ED / NELNET # XXXX, Account Name : US DEPT OF EDUCATION/GL # XXXX, Account Name : XXXX XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-06-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Associated Credit Services, Inc.
State: SC

Complaint narrative:
In mid XXXX  ( XXXX ) we moved into our apartment, got offered through the company XXXX XXXX for water deliveries, coming straight to the door and a water dispenser. Had them for about a year and found out I was deploying in XXXX of XXXX so I moved my wife back to family in Florida transferred the account where we continued the account for about 5 months before my wife moved back up because I was coming home. Canceled the account in that process and verified on multiple accounts that our account was paid in full and that there would be 0 surprise bills, all were negative, everything was paid, and no bills would come. Now, we've been getting calls from a debt collector saying we owe XXXX of dollars, we owe on the water dispenser, we owe for late fees, and the company can't even get into our account to tell us what it is we owe on. I've looked into this problem through XXXX XXXX and it has apparently happened to multiple people, same problems cancelling accounts, somehow months later their account isn't cancelled its suspended for missed payments. I would like this to be solved to prevent scares to other people who as well thought this would be a great deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: CA

Complaint narrative:
I did not get the product/service I paid for. I used a photo retouching service for my sisters wedding photos. They kept giving me the runaround and would ask for more money to make revisions. To this day, they have not refunded me after stating I still have not received the services I paid for and would just like to completely cancel and get my money back. I filed an official chargeback with Wells Fargo since the money came out of my checking account/debit card. Wells Fargo hasnt resolved this issue either.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
transunion and XXXX are allowing an account to be re-reported. it was deleted and blocked. the creditor is now reporting a new account. the name of the creditor is XXXX XXXX. XXXX  XXXX  also reported duplicate accounts and now i am having trouble getting those XXXX accounts removed. i sent the credit bureaus the proper documents. XXXX XXXX and XXXX XXXX are not allowed to contact me. there is a cease and desist order in place with XXXX  and hopefully XXXX  has put XXXX out like i requested since i reported both companies the nc doj

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 2023-06-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-06-22 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: GA

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX XXXX XXXX Loan with account XXXX  XXXX opened on XX/XX/XXXX and a balance of {$2600.00}. 
I previously disputed this account stating : ''I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX Charge account with account XXXX XXXX opened on XXXX/XXXX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : ''I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

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 2023-06-22 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: GA

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX report from XXXX/XXXX/XXXX : XXXX XXXX XXXX XXXX Loan with account XXXX XXXX opened on XXXX/XXXX/XXXX and a balance of {$2600.00}. 
I previously disputed this account stating : ''I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX  Charge account with account XXXX XXXX opened on XXXX/XXXX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : ''I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: WI

Complaint narrative:
I received my credit report on XX/XX/2023 and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: WI

Complaint narrative:
I received my credit report on XX/XX/2023 and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to be 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 2023-06-22 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NY XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number 1 ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

J 15 U.S.C 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under 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 2023-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
I was looking at my credit report and saw that a new collections was put onto my credit report. The following company does not have a contract with me, does not have my wet signature and they have stolen my identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: IL

Complaint narrative:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: Persolve, LLC - Legal - Series 2
State: MD

Complaint narrative:
XXXX, XXXX, XXXX called and Disputed XX/XX/2023 My name is copyrighted and Name held in trust i informed them that the are infridging on my rights. I have a FOIA request andXX/XX/XXXX of the XXXX im not in that jusdiction so that is defarmation and discrimination and identity theft of my property held in trust. I have POWER OF ATTORNEY IN FACT A FEE SCHEDULE AND FOIA REQUEST THAT SHOWS NO ONE IS TO BE USING MY INFORMATION WITHOUT MY CONSENT AND I NEVER CONTRACTED WITH XXXX XXXX OR XXXX SO ANY THING LISTED IS A VOILATION OF MY NATURNAL RIGHTS AND FRAUD. XXXX HAS MY PROPERTY IN A DATA BREACH AND MY INFO IS BEING USING IN FRAUD. PLEASE CONTACT AND I WILL PROVIDE ALL NECESSARY DOCUMENTATION LISTED AND MY INTERNATIONAL PROTECT PERSON ID. 

ALL MY RIGHTS ARE RESERVED USC 1-308 31 USC 3123

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: MD

Complaint narrative:
Experian, XXXX, XXXX called and Disputed XX/XX/2023 My name is copyrighted and XXXX held in trust i informed them that the are infridging on my rights. I have a FOIA request and XXXX XXXX XXXX XXXX of the XXXX  im not in that jusdiction so that is defarmation and discrimination and identity theft of my property held in trust. I have POWER OF ATTORNEY IN FACT A FEE SCHEDULE AND FOIA REQUEST THAT SHOWS NO ONE IS TO BE USING MY INFORMATION WITHOUT MY CONSENT AND I NEVER CONTRACTED WITH EXPERIAN XXXX OR XXXX SO ANY THING LISTED IS A VOILATION OF MY NATURNAL RIGHTS AND FRAUD. XXXX HAS MY PROPERTY IN A DATA BREACH AND MY INFO IS BEING USING IN FRAUD. PLEASE CONTACT AND I WILL PROVIDE ALL NECESSARY DOCUMENTATION LISTED AND MY INTERNATIONAL PROTECT PERSON ID. 

ALL MY RIGHTS ARE RESERVED USC 1-308 31 USC 3123

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 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Contacted CapitalOne and advised I needed to dispute a charge from XXXX for Case Number : XXXX AMZN Mktp XXXX billed on XX/XX/2023 for {$120.00}. After several attempts back and forth with capital one they continue to tell me to work it out with the merchant which I am unable to do. XXXX has closed that account and is not willing to assist in refunding the charge for the returned merchandise, proof of return and receipt that XXXX has merchandise back has been sent to capital one. Capital one has advised me XXXX has sent documentation to support the claim which capital one has not provided me. I have provided a written statement as well as proof of return to capital one and they continue to not assist in the matter. Capital one supervisor advised me via phone the first agent submitted the case with the incorrect reason code in which I was asked to write the written statement. Still I have no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: WI

Complaint narrative:
I tried to dispute the following Inquires on my equifax report soon as noticed them being there. 
XXXXXXXX XXXX XX/XX/2023 and XXXX XXXX XXXX XXXX I sent out an dispute for these inquires because they are fraudulent and Equifax has an issue of giving out people personal information, leading to tons of Lawsuit Settlements and I hate to have to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I NOTICE THAT INACCURATE PHONE NUMBERS AND EMPLOYMENT IS BEING REPORTING ON MY CONSUMER CREDITS REPORTS. 
ACCORDING TO THE FCRA ( fair credit reporting act ), LEGALLY THESE UNVERIFIED IN AN AUTHORIZED ITEMS MUST BE REMOCVED THESE PHONE NUMBERS THAT ARE BEING REPORTED DOESNT BELONGS TO ME. 

I AM NOT A MANGER THAT IS BEING FASLY REPORTED.

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 2023-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
THIS DEBT THAT ENHANCED RECOVERY COLLECTIONS CLAIM I OWE TO XXXX IS THE VERY SAME CELL PHONE ACCOUNT THAT ORIGINALLY WAS OWNED BY XXXX XXXX XXXX I HAD THIS SERVICE FOR 1 WEEK AND WAS DISSATIFIED AND CANCELLED THE SERVICE, I THEN SENT BACK BOTH HANDSETS VIA XXXX  IN XXXX. I NEVER RECEIVED ANY OTHER FORMS OF COMMUNICATION FROM THEM, THEN IN XXXX I RECEIVED A COLLECTION LETTER FROM XXXX XXXX, I FOLLOWED PROTOCOL AND SENT THEM MY XXXX  RECEIPTS FOR THE HANDSETS AND THIS COLLECTION WAS DISPUTED BY MYSELF WITH XXXX XXXX FOR {$950.00}. XXXX STATED THIS COLLECTION WAS DONE AND WAS REMOVED. NOW THAT XXXX WAS ACQUIRED BY XXXXTHIS IS THE SAME SITUATION, IVE SENT BACK THOSE HANDSETS IN XXXX, ATTACHED ARE MY RECEIPTS. PLEASE REMOVE COLLECTIONS FROM XXXX, XXXX AND XXXX.

Company response to consumer: Closed with explanation