vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
sent certified letters to all agencies requesting validation of debt. waited over 30 days and to date no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I was nearing the end of my XXXX XXXX XXXX XXXX  contract. The equipment for XXXX XXXX was delivered a couple of days later ( after XXXX ) with self install instructions. I wasnt able to complete the install myself, and I hadnt scheduled XXXX XXXX XXXX  to disconnect until new service was installed & functioning properly. Rather than waiting for a technician to eventually install the new services for an additional charge, I decided and renewed XXXX XXXX XXXX services ( as always, paying more than I should for only a little bit of actual services ). I called the next morning, spoke to several people in several departments at XXXX XXXX & arranged the return of ALL equipment. This was later verified, all equipment was received. I was told repeatedly that all equipment was received & that I would not be ncharged ( since no service was ever received ). A few weeks later, I received a bill! I repeated that entire process as described above, AT LEAST 3 times by the XXXX of XXXX! At the end of XXXX, I repeated this process AGAIN, with less patience than usual and stopped receiving billsonly because it had been turned over to a collection agency ( XXXX XXXX )! This then began to show past due/ unpaid on my credit report. Ive since filed XXXX disputes about XXXX XXXX XXXX XXXX XXXX through my Experian app, and called XXXX XXXX AGAIN. I had a lengthy conversations about this- XXXX months after I was assured that it would not be a problem. On XX/XX/XXXX, I was assured this would be completely retracted & I should expect full resolution by XX/XX/XXXX. This was supposed to DELETED from their system & corrected in every credit reporting agencys system, as well. Its been close to a year and I am still spending hours every month trying to resolve something I never owedand its still a problem? I should not have to pay for something I dont owe, nor should I have to pay someone else to fix something that should never have been a problem to begin with. I dont know what to do? Hire an attorney and pay them to prove I dont owe it? Sadly, this is just ONE of the accounts on my credit report, that arent my responsibility and I do not owe.

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 2023-08-10 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: WI

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT DATE : XX/XX/2022 ACCOUNT NAMEXXXX XXXX XXXX XXXX ACCOUNT DATE : XX/XX/2022 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice. Ilook forward to your response.

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 2023-08-10 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I was recently on vacation in XXXX XXXX XXXX, XXXX. On the last day of the trip on the way to the airport, I stopped to refuel my rental car. Upon completion of refueling the car, I handed the gas station attendant my credit card to pay for the gas. At this moment, a co-worker called him over to the other side of the pump for assistance. He walked over to the other side of the gas pump, and I believe this is when the fraudulent transaction was made. He returned to the side of the pump to process the gas transaction. Upon returning home, I checked my credit card issued by Capital One and discovered a transaction had been made by a merchant based in XXXX XXXX ( I was never in XXXX XXXX ) for the amount of $ XXXX by XXXX using the payment processor XXXX I immediately contacted Capital One to dispute this charge. Capital One rejected the dispute saying they believed I had benefitted from this transaction as it was a chip read transaction and supposedly very secure. I have since made numerous inquiries to the fraud and dispute departments at Capital One. Further information became available about the transaction. It occurred on XX/XX/XXXX at XXXX for {$410.00} for dining/fast food, while the legitimate charge for the gas occurred at XXXX for {$36.00}. How likely would it have been that I purchased over {$400.00} worth of fast food from a merchant in XXXX XXXX while I was on my way to the airport in XXXX XXXX XXXX? Capital One questioned why I continued to use the card after this transaction to which my response was I was not aware of the fraudulent transaction until the day after I got home. Furthermore the credit card was out of my possession for a brief minute at the gast station where the fraud occurred. The payment processor has also launched an investigation. See attached letter from XXXX and the letter that I explained this to Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-10 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: EQUIFAX, INC.
State: GA

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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:
There is incorrect personal information on my credit report I need removed ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Due to repeated times trying get discover card services, XXXX XXXX  removed form credit report in requesting it be deleted those account are result of fraud and I will not pay them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: MD

Complaint narrative:
I am unemployed and unable to make payments. 
Lender denied forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to you with great urgency regarding the fraudulent accounts that appeared on my credit report, which were a direct result of identity theft. My wallet was stolen by an unknown assailant, which contained my personally identifiable information ( PII ) and my social security number. Despite my previous disputing efforts, XXXX has failed to remove the fraudulent accounts from my credit profile, causing significant damage to my creditworthiness and personal finances.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to you with great urgency regarding the fraudulent accounts that appeared on my credit report, which were a direct result of identity theft. My wallet was stolen by an unknown assailant, which contained my personally identifiable information ( PII ) and my social security number. Despite my previous disputing efforts, XXXX has failed to remove the fraudulent accounts from my credit profile, causing significant damage to my creditworthiness and personal finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On XX/XX/XXXX, I opened a line of credit through Wells to purchase a mattress through XXXX XXXX See XXXX XXXX Per the agreement and as indicated on XXXX. I, payments were to be made in XXXX equal payments of {$97.00}. I made my first payment of {$98.00} on XX/XX/XXXX, and My Second Payment of {$98.00} on XX/XX/XXXX, See XXXX XXXX 
On or about XX/XX/XXXX, I received a notification saying I was late on my payment despite having paid it on XX/XX/XXXX. Subsequent to that payment I made my payment for XXXX in the amount of {$110.00} on XX/XX/XXXX XXXX XXXX. XXXX XXXX called Wells on XX/XX/XXXX and spoke to a representative at XXXX XXXX central time. After going back and forth with Wells and informing them my bank records indicated payments were made on time, they said that they saw the payments in question in their system, but that they received the payments too soon and that the payments were not applied/didnt count for that month. I was told they would adjust my previous payment ( XXXX ) to reflect they were indeed made XXXX XXXX. XXXX XXXX late fee of {$29.00} was refunded for XX/XX/XXXX. 

On XX/XX/XXXX, I again made a payment to Wells in the amount of {$100.00}. On XX/XX/XXXX, I received a Notice attached hereto as XXXX. XXXX, indicating I was late making my XXXX payment. That same day I spoke with a representative who would only give me the name XXXX, at XXXX XXXX XXXX XXXX I went over my bills with XXXX and she again checked her records. She indicated again that my payment was received too early. I informed her my payments were timely and per the agreement they were 24 monthly payments ( give or take ) depending on the minimum I pay. She agreed with me that it did not seem right that Wells was flagging me but that thats how they operate. 

On XX/XX/XXXX, I received my monthly statement from Wells and noticed that despite paying my XX/XX/XXXX payment on XX/XX/XXXX, and speaking with XXXX to again fix Wells oversight, I was charged a late fee of {$29.00} on XX/XX/XXXX See XXXX XXXX  Subsequent to my XX/XX/XXXX payment I made a payment for XXXX on XX/XX/XXXX, in the amount of {$100.00} See XXXX XXXX 

Since this account was opened on XX/XX/XXXX. A payment at or above the agreed upon minimum monthly payment has been made to Wells in a timely manner. For these reasons, I am filling a formal complaint against Wells for unfair and deceptive lending practices.

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 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Carvana Group, LLC
State: PA

Complaint narrative:
To whom it may concern, Im writing to address a concerning issue regarding my credit report. It has come to my attention that an Hard inquiry from Carvana LLC has been listed on my report without my authorization, and upon reviewing the matter, I believe that XXXX has not adequately investigated this inquiry. 
I request an immediate removal of the unauthorized inquiry from my credit report, and a thorough investigation to rectify this violation of my rights. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: OH

Complaint narrative:
On XX/XX/XXXX XXXX XXXX I received a collections letter in the mail from CKS Financial a debt collector for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The balance amount owed was {$900.00}. After calling CKS Financial, I found out that it was my stepmother that had actually taken this debt out in my name. Went to the police station made a report. I live in Ohio and have lived here for 5 years and at the time this account was opened in Louisiana. I thought once I sent the report to Louisiana that this was taken care of. I called the credit bureaus and let them know this account was identity theft. Two years later I receive another collections bill from over a year ago done by my stepmother did another account in my name. Went to our police department filed a report made copies sent out to all credit bureaus, debt collectors, filed a report on IdentityTheft.gov. It has been 16 days since I mailed a certified letter to XXXX XXXX XXXX with everything included. Police reports x 2, copy of my drivers license, letter disputing the debt. Have not received anything from them, my wife called this morning and all XXXX XXXX tell her was she had to contact CKS Financial. My wife called CKS 2x 's, they finally put an office manager on the phone for XXXXXXXX XXXX XXXX she told my wife that XXXX XXXX bought back the account from CKS debt collections due to it being a fraud case. My wife called XXXX XXXX and they keep telling her they can't help she has to contact CKS debt collectors. Between the both they are just giving us the run around. But XXXX XXXX XXXX is still on my credit reports as a debt that I owe. I have went on the identitytheft website and printed up their dispute letter along with the notice to Furnisher 's Information. I will mail this out tomorrow with certified mail, and make copies for my records.

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 2023-08-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IL

Complaint narrative:
Hunter Warfield attempted to collect a {$1600.00} unpaid rent debt after the original owner sent documents on XX/XX/14 updating the debt to {$800.00}. On XXXX, they were told in an email by the original owner that the debt is {$800.00} after I attempted to dispute the debt, but promptly ignored the message and continued to go after the {$1600.00}. The investigation after this has been open for a week, and should already be resolved as I sent the document and email proving said debt was not {$1600.00}, provided by the original owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I CONSTANTLY CHECK MY CREDIT REPORT AND NOTICED THAT THE ERRORS AND FALSE MISLEADING INFORMATION FOR INDIVIDUAL ACCOUNTS DIDNT QUITE MEET THE CREDIT REPORTING STANDARDS OF BEING 100 % CORRECT. THIS HAS DAMAGED ME AND HELD ME BACK FOR SOME TIME. I'M NOW DEMANDING THE CFPB TO ENFORCE THE CORRECTION AND OR DELETION OF THESE ITEMS. 1.XXXX XXXX XXXX BALANCE {$1200.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 2. XXXX XXXX XXXX BALANCE {$1800.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 3. XXXX XXXX XXXX BALANCE {$1400.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 4. XXXX XXXX XXXX BALANCE {$1000.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 5. XXXX XXXX XXXX BALANCE {$1200.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 6. XXXX XXXX BALANCE {$1400.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 7. XXXX XXXX BALANCE {$710.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 8. XXXX XXXX XXXX BALANCE {$990.00} BALANCE UPDATED XX/XX/2023. UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 9. XXXX XXXX XXXX BALANCE {$400.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. ALSO AMOUNTS UNDER {$500.00} ARE NOT ALLOWED TO BE REPORTED ON CREDIT REPORTS.

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 2023-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX called in as the kept calling over and over and even called my mother ( calls were ignored as they were constant for XXXX weeks thought it was scam call ) XX/XX/XXXX spoke with XXXX and gave name address and told him I need a letter of debt verification as I have yet to receive any notice about this assumed debt. I was told that the assumed debt was from XXXX of XXXX for the amount of XXXX from XXXX XXXX was told I would receive the letter in the mail have yet to receive it has been over 5 days XX/XX/XXXX I called XXXX XXXX and gave my name, dob, and the supposed date of non payment hospital couldnt find anything XX/XX/XXXX I have disputed the debt via credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
# XXXX Request : Where's the 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 2023-08-10 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 noticed that I have an account on my credit which is not the original creditor. Also this company is in many violations under law code 15 U.S Code 1681. 

Date : XX/XX/19 Two amounts showing inaccurate {$6700.00} {$6800.00}

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