vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-01 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report 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 explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES
State: VA

Complaint narrative:
On XXXX XXXX XXXX  at XXXX XXXX  XXXX, I spoke to a manager at Zwicker & Associate, XXXX XXXX, who lied about having a previous conversation with me. She stated that I had offered to pay {$4000.00} in a phone conversation I had with her a few months ago. I never had {$4000.00} to pay, so I know she was lying to get a settlement. A debt collector lying is, at the very least, an unethical business practice ; if it's not illegal, it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
This is not my collection, it belongs to another person with same or similar name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account # : XXXX XX/XX/XXXX To Whom it may concern, On ( XXXX of XXXX ) I checked my consumer report and your company reported an alleged debt of {$25000.00} on my consumer report. I do not agree with the amount your company has put in my consumer report. Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuant to 15 USC 1692g ( a ) ( 1 ). Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Also please keep in mind that only the creditor is the person who can validate these debts. Pursuant to 15 USC 1692a ( 4 ) the term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. Only a consumer like myself are the only people who can extend credit. So therefore, I have created the debt, but I do not own the debt. If you claim that I own the debt then please send me the instrument of indebtness with my professional signature of my name. Also please keep in mind numbers or ID numbers is not a signature. If you can not provide me this instrument of indebtness then the debt is not owned by me and this has to be removed from my consumer report. Please keep in mind I am not requesting that you send me proof of location information ( my place of abode ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated plus the instrument of indebtness with my signature of me approving this debt. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the XXXX, and XXXX my bank account was being robbed for withdraws XXXX  everyday til I noticed. Upon finding out I called my bank and they opened a investigation, about a week ago I received a letter saying that the transaction were authorized which I know theres no way because the withdrawal happened miles away from me and I had my card the whole time so there no way of that being possible. Before finding out of this I wasted the money they had accredited to me since i knew I was innocent and believed I would get my money back and now I have no way of paying them back

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 2022-11-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX was transferred on XX/XX/XXXX to XXXX in the amount of {$8000.00}. On XX/XX/XXXX I paid XXXX {$4000.00} and the remaining balance of {$4000.00} on XXXX. To date the {$8000.00} is still reflected on my credit report as being owed to XXXX. 

I spoke to XXXX XXXX several times with the latest being on XX/XX/XXXX and was advised that once XXXX reports that the balance will fall off my report. However, I last spoke to XXXX on XX/XX/XXXX and was advised that them reporting would have no impact on the XXXX  XXXX balance. As of XXXX when I last spoke to XXXX they state that they have reported to all credit agencies. The report is not reflected on my Equifax report. The XXXX solution department advised that there was nothing they can do to further assist me. 

I have also disputed this balance 4 times and everytime the credit agency sends back that the balance is correct. The Equifax stated that there is nothing they can do even though I have provided all the proof. XXXX states there is nothing they can do because they have reported the zero balance. I am stuck between these 2 companies and need help resolving.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I went car shopping and got a preapproval from XXXX XXXX XXXX XXXX. The lady that helped me at XXXX XXXX XXXX in XXXX, CA insisted on running the credit again on their end and ran it 3 more times that same day. 

She said it would count as 1, but I have 4 hard inquiries that day. 

To top it off, they didn't even have the vehicle in stock that I wanted. They lured me in saying they had it in the back only to come back and say they had sold it, after running the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Avant Holding Company, Inc.
State: AL

Complaint narrative:
On XX/XX/2022, I looked at my account and Avant credit card company had dropped my limit from XXXX to XXXX for no reason. I recently made a payment on my account for over XXXX. I never been over my limit or missed a payment. I know someone else that this recently happened to. She had XXXX and they dropped her to XXXX for now reason at all. And she had just paid her card completely off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: NC

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 ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # 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 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 explanation
Consumer complaint received 2022-11-01 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: EQUIFAX, INC.
State: KS

Complaint narrative:
My Dispute is detailed and related to the accounts listed in this letter. I am exercising my rights under FCRA 611 ( a ) ( 7 ) for you to furnish copies of all documents you used to verify the accounts listed within the 30 days allowed by FCRA law or delete them immediately. 
If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: LA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report 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 explanation
Consumer complaint received 2022-11-01 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: MI

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 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 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 explanation
Consumer complaint received 2022-11-01 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: MI

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 XXXX XXXX XXXX. XXXX XXXX XXXX. State of mi office chi 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 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 2022-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Turning Point Solutions LLC
State: CA

Complaint narrative:
Initial Filing XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX of XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Info Due XXXX XXXX XXXX XXXX XXXX XXXX  WHICH WILL DO BUSINESS IN CALIFORNIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Contacted By a XXXX XXXX XXXX  and Manager XXXX XXXX  XXXX, Regarding a Build XXXX XXXX upon Accepting the Call XXXX in California, I requested the Business License Information from the Manager, was told He can Do Whatever He Wants, including but not Limited to Filing a Harrassment Lawsuit against Me, for Requesting Information on this Debt. 

Advance Capital Solutions , Inc., XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Ohio XXXX XXXX XXXX XXXX Ordered to Shut Up and Listen by Both identified Parties, calling From ( XXXX ) XXXX, upon Due Diligence it appears Advance Capital Solutions, IncXXXX XXXX XXXX  XXXX File # XXXX ) is not Authorized to Conduct Business in the State of California, and Is Violating the Consumer Fair Debt Collections Practices Act, Federal Law or State Laws in the Verification of this Debt. 

Furthermore, I am Seeking Financial Compensation for the Threats, Harrassment and other Miscellaneous Violations of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have contacted this company by certified mail 30 days ago requesting proof of debt belonging to me, contract bearing my signature and have received nothing from this company. I called and spoke with them over the phone, and they stated my requested needed to be done in writing which I did, and nothing was done or sent out. This company is past the alotted time by the fair credit reporting act and either needs to submit proof or remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
On XX/XX/22 I entered the bank at XXXX XXXX XXXX, XXXX, TN XXXX to deposit {$5000.00} in cash that I had withdrawn from my personal account at XXXX  XXXX XXXX. I ensured that I had the receipt b/c on several other occasions First Horizon has refused to take a deposit from my husband for a dividend check from his mom of {$21.00}. Interestingly, my husband has been a client for this bank for over 40 years and his mom for over 60 years as well my husband has approx. $ XXXX so what is the risk. Today, however I attempted to deposit $ XXXX cash into a joint savings account with my husband and was asked for my SSN and where I worked. I did not throw a fit mostly b/c the teller was just doing her job but this bank seems to go over and beyond what would be considered legal. I am concerned that these decisions are racially motivated except for the fact that some of these policies are being enforced by people of XXXX. Enough with this bank!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I called ProCollect Incorporated @ XXXX on XX/XX/XXXX responding to a notice to collect a balance of {$100.00}. The notice was dated on XX/XX/2022 stating that I can write or call them by XX/XX/2022. Which is today 's date, I called and spoke to a man who identified himself as XXXX XXXX. I advised him that I am disputing this debt because I don't owe it and I don't know why there is a balance. He told me that it does matter what I say, if even I call to dispute that doesn't mean anything and that the burden of proof is on me as the consumer to give proof that I don't owe balance. The letter that from this collection agency clearly states that " we must stop collection on any amount you dispute until we send you the information that shows you owe the debt. XXXX XXXX said I can call all day long but I need to send proof that I don't owe this. XXXX XXXX said that the client said that the balance is for a bag of trash and damages. I am requesting proof of these debt as I am entitled to instead I am being denied this is a clear violation of my protected rights under FDCPA.

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 2022-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2022 {$130.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2022 {$950.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2022 {$2000.00} I asked the credit bureaus to do an accurate investigation of the delinquencies on my account to ensure validity. The accounts are not accurate as they were not incurred by me. These are fraudulent accounts. I am requesting that they be removed immediately. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  violated my rights 1681c2. Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer.

( 2 ) a copy of an identity theft report.

( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft.

( 2 ) that an identity theft report has been filed.

( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

Also, 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1684 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2022 I deposited an escrow check in my aunts name signed over to me in the sum of XXXX. I deposited check at ATM and received a receipt stating availability of {$5500.00} on XX/XX/2022 and the remainder of {$4400.00} on XXXX the next day I checked my account and I had an XXXX Adjustment of {$10000.00}. Wells Fargo XXXX adjustment definition is access to full amount of funds available for withdrawal. This was not the case I was not able to withdraw funds.. I contacted Wells Fargo and they explained I needed to provide a durable power of attorney documents to receive funds. I faxed to fraud department immediately and on Monday provided the bank with copies. Wells Fargo explained that they were sending the check back for me to deposit again and I would be able to access funds. This never happened.. I contacted wells again and they told me to keep waiting it has been over a month and they will not respond.. the hurricane that came threw my town damaged the branch I normally go to so I was not able to speak with my banker. I sent him and the bank manager emails but got no reply.. On XX/XX/2022 I ordered a new ATM card and have not received it the account deposit balance is to renew to XXXX every month that has not happened also showing in my account and attached accounts the funds were there but not available.. I have not received a written notice with the explanation of non payment, reversal, or item not paid with the check and error codes and check sequence numbers the banks are required to do for the XXXX check. I filed a dispute for the XXXX and received a written notice XX/XX/2022 from Wells Fargo stating that they are sending the check back saying they can not accept it for deposit. Hoping to get this resolved ASAP. Thank you

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