vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2024 Aldous and Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir/Madam, I am writing to dispute the collection account listed on my consumer report, which was reported by your agency. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, I have the right to request validation of this debt and to dispute its accuracy. Failure to Provide Validation Information : Under CFR 1006.34 ( b ) ( 5 ), it is required that collection agencies provide validation information upon request. To date, I have not received any validation information from your agency regarding the debt in question. Therefore, I am disputing the validity of this debt until proper validation is provided. Denial of Opportunity to Dispute Account : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute inaccurate information on their consumer reports. However, I have not been given a chance to dispute the account before it was reported to the consumer reporting agencies. Violation of Consumer Rights : I believe your agency has violated my consumer rights by engaging in false, misleading, and deceptive practices in attempting to collect this debt. Such practices are prohibited under various consumer protection laws. Lack of Authority to Furnish Account Information : It is my understanding that your agency has no authority to furnish any account to consumer reporting agencies without providing all required disclosures by law, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). As such, the reporting of this account without proper disclosure is in clear violation of these regulations. I hereby request that you cease all collection activities related to this account until the validation information is provided and I am given the opportunity to dispute the accuracy of the debt. I am also requesting to revoke all communication via Email, Phone calls, or Text. I am also requesting the purchase agreement between the collection agencies and the original creditor. I am also requesting that you furnish proof that collection agencies are licensed and bonded. Failure to comply with these requests may result in further action being taken to address these violations of consumer protection laws. Please provide the requested validation information and respond to this dispute within 30 days. Thank you for your attention to this matter. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was looking at my report and noticed there were some things that was not correct. I sent a letter to Transunion on XX/XX/2024. But it has been more than 35 days since the credit bureaus havent responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Instead of responding back with the results. They sent a stall letter stating that I am working with a credit repair company in which I'm not. I did use a software to help with the letters. There is no law stating that I can not use a software or seek professional help if I choose too. I also submitted a copy of my drivers license, proof of residence and my social security card to verify my identity. 

Under 15 USC 1681i ( a ) ( 1 ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX On XX/XX/XXXX at XXXX PM i messaged XXXX on secure message portal per there request. 
In regard to my Kohl 's credit card account, I informed Kohl 's I was concerns. An associate and I spoke on the phone on XX/XX/XXXX at approximately XXXX pm, and the call ended at XXXX pm. It was difficult for me to understand your associate in order to resolve this complex issue. Sometimes I was unable to understand what was being said and the conversation had to be repeated over and over again. As a result, I requested a meeting with senior management. Unfortunately, senior management was not available, so I requested an email attachment with the billing statements. I requested a breakdown analysis of my account. The telephone support provided was not sufficient to resolve this issue. 

I sent a message stating that they increased interest and fees in the last quarter of the year specifically XXXX and XXXX. XXXX took that message out. Furthermore, on XX/XX/XXXX - XXXX PM in XXXX secure message portal I questioned whether my rewards had been applied to all my purchases since my balance did not appear to be accurate, and this constitutes a form of price gouging on late fees. Kohl 's mailed me my billing statement but did not explain the increase in fees. Furthermore, Kohl 's billing statements do not include an explanation of the XXXX late payment charge on the back of the statement. There needs to be an adjustment made to these late fees. In XXXX and XXXX, it was {$29.00}, and due to the holidays, it went up to {$40.00}. 
Furthermore, on XX/XX/XXXX I sent another message in secure message portal stating the Kohl credit card late fee and interest rate increases continue to concern me. Late fees and interest rates are not explained in detail on the back of my credit card statements and does not state that the late fees are commutated and based on a system. In addition, the Kohl credit card statement does not indicate that late fees and interest rates may increase if the system detects late payments in the previous six billing cycles. It is unclear and does not provide enough detail for cardholders to understand the consequences. Additionally, it is unclear how the system is able to detect late payments in the past six billing cycles. If possible, I would like management to contact me regarding my concerns and what I have requested. Thank you for taking the time to read this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/year> Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX was added to my credit file by LVNV Funding LLC XXXX This address I never lived at this XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX nor received MAIL there. This is an 18 U.S. Code 1342 federal law prohibiting using a fictious name or address in any matter related to the United States Postal Service

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CL Holdings LLC
State: SC

Complaint narrative:
In accordance with the fair credit Reporting act Jefferson Capital System, has violated my rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo0 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist 15 USC 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 explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am submitting a complaint against SchoolsFirst Federal Credit Union regarding their failure to respond to my disputes. I have mailed dispute letters to SchoolsFirst Federal Credit Union on three separate occasions : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite the passage of time, I have not received any response from them regarding the inaccuracies I have disputed. 

As per my understanding of the Fair Credit Reporting Act ( FCRA ), furnishers like SchoolsFirst Federal Credit Union have 30 days from the date they receive a consumer 's dispute to conduct an investigation and provide the results back to the consumer. However, in my case, SchoolsFirst Federal Credit Union has failed to adhere to this timeline and has not communicated with me regarding the outcome of their investigation into the disputed items. 

I am including copies of my dispute letters sent to SchoolsFirst Federal Credit Union to demonstrate the attempts I have made to resolve the errors on my credit report. Despite my efforts, the credit union has not responded or taken appropriate action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

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 2024-02-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

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 2024-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I had several illnesses and I ended up in the hospital after XXXX twice. During such times I was not home and information was issued without my authorization such as credit cards and other items. This particular credit card is one of them, a XXXX card ending XXXX have tried in multiple occasions inform XXXX to please understand of the XXXX XXXX situation but they have ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I received an advertisement in the mail from Wells Fargo Bank for an 0 % interest for XXXX months credit card. Nowhere on the advertisement does it mention that every transaction incurs a 5 % fee. I was given {$18000.00} in credit and used most of it to pay off other bills before realizing that this was actually costing me lots of money. 

I contacted Wells about XXXX days ago and they claimed the information about the 5 % fee was in some detail they sent me with the card. That may be true, but it still feels like false advertisement and a clear attempt to trick the customer. 

They refused to do anything to fix the problem and then sent me a standard email that they were working to solve the problem. I have not heard anything from them. 

.

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 monetary relief
Consumer complaint received 2024-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My purse was stolen from the restroom of the XXXX XXXX station. My ID, SSN card, Debit Card, Library Cards etc were inside. My information was also included in the XXXX data breach. My information is out there on the dark web as a result of this. 
The dates are ranging from 2020 to current. I agreed to work with Law enforcement. I have requested that the false accounts be removed, however these accounts are still present.

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 2024-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This company is employing false statements and recorded lies. While I'm on the phone with them to refute the XXXX balance as I have with XXXX. I repeatedly asked if they would send me in writing the amount that I agreed to pay as a settlement. They kept assuring me that they would. 
1 ) send me an email with the correct settlement amount. 
2 ) Show the amended amount in there portal. 
I Made a {$200.00} dollar payment in the portal while the rep was on the line and it STILL shows that I owed, more than {$900.00}. The original debt line has not changed even though they keep insisting that they would edit that incorrect amount and update it with the settlement amount, that I would pay off in XXXX  monthly installments. They sent me a copy of XXXX XXXX make believe statement, instead of the settlement offer that they PROMISED again and again. I can't believe that a company is allowed to just lie and lie just to " collect a debt '' there practices ' are lacking integrity and overall honesty. I have an excellent payment record with the credit bureaus. I pay my honest debts. I can prove all that I am saying to you, because I will call again and record the call just like they did. I my humble opinion, they should not be in business. 

I C Systems is trying to collect a debt amount that I do not owe. 
They have outright lied to me by saying they'd accept a settlement offer in the amount that I actually owe BUT REFUSE TO PUT IT IN WRITING. 
They have agreed again and again on the phone call which they say is recorded. 
Perhaps you can request the recording to verify all that I am telling you. 
This company employs dishonest, unfair and shady business 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 2024-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I purchased the vehicle which is financed by American Honda finance. My address is in state of XXXX XXXX but I do work for XXXX  XXXX XXXX  commission XXXX XXXX XXXX. Therefore I am required to register the car in XXXX XXXX XXXX. The XXXX XXXX  XXXX allows XXXX XXXX residents to register the car in XXXX XXXX  state for this purpose. Since the car was purchased and financed from XXXX XXXX dealer, I needed the certified copy of the vehicle title and permission letter from honda finance to tranfer the registration to new york. But the honda finance refused to provide me the documents to do so. As I mentioned there is no policy in the signed contract between me and honda finance to prevent me from transferring my registration to XXXX XXXX from XXXX XXXX while I am residing in XXXX XXXX as well as there is no legal provisions to not allow me to register the car in XXXX XXXX while residing in XXXX XXXX. Since I am the legal owner of the vehicle, the honda finance violating my consumer right by refusing to provide me the proper documents and causing me loss of income. I can't use the vehicle to earn my living, while paying for the monthly payments. 
Please do further investigate the situation and make them aware that they are breaking laws. As well make them to make up for my lost income. 
Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: OR

Complaint narrative:
Im wanting these inquires deleted, I didnt authorize these companies to run my credit, its fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: MS

Complaint narrative:
I attend here back in XXXX XXXX XXXX XXXX University of Arkansas - XXXX this school was recently change name was XXXX at time I attend classes do not transfer debt owe XXXX XXXX XXXX XXXX this school misrepresent me leading to a false lie about degree These school are rip off

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 2024-02-19 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: NY

Complaint narrative:
My credit score with only this Equifax drops 40 points for no reason. 

The only thing that changes is an inquiry dropped of my report. I have no negative reportings on my accounts? 

This happened before in XXXX of 2023 and no explaination is provided by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company response to consumer: Closed with explanation