vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
I received a letter from a law firm, that was is acting on behalf of a debt collector that is acting on behalf of my bank. The letter is an attempt to collect a debt. 

This is the XXXXIRST time I have received a communication in the attempt to collect a debt from my bank. It appears to be weird as my 1 ) bank did not attempt to collect a debt, 2 ) the Collections Company has not sent any communications and 3 ) the law firm letter was the first time I have seen this. Additionally, this is not showing on my credit report so I wonder if this is legitimate, especially if it is from the Bank. I have my Mortgage with them, a line of credit with them, both in good standing. I have a closed credit card with them that was closed ( paid in full ) in XXXX  and it states as such on the credit report. 

The Bank has not information to give me as I do not have an account number to give them.

I tried to log in to the Law Firm that is trying to collect the debt and I had to attest to all : - My account is not in dispute.

- I am not a petitioner in any pending bankruptcy petition.

- This account has not been discharged in a bankruptcy.

- I have read the Privacy Statement and wish to continue with making a payment. My account is not in dispute.

Because I am desputing the account through this CFPB, I assume I can not check this. I have to check all the boxes to access the account with the Law Firm. Seems unfair that I can not see what the account they have set up on my behalf in their site.

I am going to respond to the letter with " this is my debt '' and " I want you to send me the name and address of the original creditor ''. and send the letter back.

Being sent to 1 ) collections and 2 ) legal without prior notice doesn't seem right. Having no indications via the credit report that this is an attempt to collect a debt is also not right.

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 2023-10-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Southwest credit system are trying to collect debt from me that I do not owe. This account was opened XX/XX/XXXX and there is a past due of {$2500.00} as of XX/XX/XXXX. I'm sure that this is a result of identify theft. I been using XXXX for years now and i've been paying my bills on time so I don't understand why there is is so much debt on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: OH

Complaint narrative:
Can Transunion furnish late payments and Soft and Hard Inquires on my credit report? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion Credit Reporting Agency

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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Can XXXX furnish late payments and Soft and Hard Inquires on my credit report? 
Experian Credit Reporting Agency XXXX Credit Reporting Agency XXXX Credit Reporting Agency

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 2023-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: GREENSTATE CREDIT UNION
State: IL

Complaint narrative:
this account with GREENSTATECU is not mine. I did not personally open this account. 
This account either belongs to someone else or is some used my identity to open this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Around the date of XX/XX/2023, I mailed off a Pre-Arbitration Demand for Settlement Offer letter because the debt collector XXXX XXXX XXXX, XXXX sent me an untimely letter in connection with me filing a complaint against them initially. They ignored it. They sent in an untimely response through the CFPB back in XX/XX/2023 after I sent them a debt validation letter and after their 30 days demanded that they delete the account for failure to validate the debt. It wasn't until I submitted a complaint with the CFPB when they decided to respond which is a violation of the FDCPA for failing to validate the date in compliance with the law. Since there was no enforcement, they continued to report the debt on my credit report. I then eventually received a letter from them in the mail with a model form b1 form that was not in compliance with 12 CFR 1006.34c Regulation F. I received a letter with a balance and statements attached that shows an alleged debt, but still not validating the debt in compliance with the FDCPA. Upon reading the letter I noticed a few FDCPA violations including : 15 USC 1692f ( 8 ) for having symbols and names that indicate the collection of a debt, 15 USC 1692e ( a ) a balance that is alleged and not proven to belong to me, 15 USC 1692b ( 5 ) because my wife received the mail instead of me, and 15 USC 1692c ( a ) ( 1 ) because the time I received the letter was not an appropriate time which caused distress in my between my wife and I, and 15 USC 1692d ( 2 ) because they gave me a disclosure telling me that they were not attempting to collect a debt when in fact they were. They lied which also constitutes fraud and 15 USC 1692 1692j ( a ) for the furnishing of deceptive forms. I want the account deleted from all CRAs. They have performed unfair debt collection practices, and I am also seeking remedy for the distress and hardship they put me and my family through due to their lack of compliance and remedy for report the account on my credit report inaccurately ( 15 USC 1681s-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a letter from the Bank of the West that they would close my account with NO explanation and reasons.

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 2023-10-15 00:00:00
Product: Credit 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: Block, Inc.
State: CA

Complaint narrative:
I have a charge on my XXXX XXXX for {$1500.00} on XX/XX/22 on my XXXX XXXX it was made processed by square merchant sales, I disputed this with the merchant the funds were refunded back to my XXXX XXXX, but the funds never arrived or dropped? Attached you will find the charge on my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: NY

Complaint narrative:
The following account was opened as a result of identity theft and this does not belong to me. This account was opened and used without my verifiable authorization ; incurring late fees. 

Account XXXX XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : : XXXX XXXX XXXX XXXX Account # 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 the following information items. 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 2023-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I'm in the middle of purchasing a new home. 
The lender pulled my credit and identified a decrease of XXXX points due to a newly reported collection on XX/XX/23 : Original Creditor XXXX XXXX XXXX XXXX XXXX : Resurgent/LVNV Funding ( XXXX ) XXXX After speaking to the collection agency, I called XXXX XXXX and they confirmed that they never reported my information to the collection agency. 

The collection agency is no longer responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
In-accurate credit reporting and account management, violating my personal credit worthiness with significant impact on all credit bureaus. And was harassed until the inaccurate information published was settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Nelnet refuses to communicate why I have more interest applied on their website than t what has been displayed on student aid.gov page. Nelnet is irresponsible and not responsive when asked for help and clarification. The federal loans were transferred to them from Great Lake without customers knowledge and no explanations provided to customers leaving customers clueless regarding the amount and interests displayed which are inaccurate. Nelnet refuses to cooperate or answer any communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: VA

Complaint narrative:
Cash app has failed within 8 months to implement ATM cards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. i am not saying they are reporting right or wrong. I am just saying that i am not 100 percent sure if they are. i also read something called the fair credit Reporting act where it said by law/ I had rights to challenge anything i am not sure is accurate. 
SOme of the people reporting things on me. I have never heard of which made me write to you Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? i heard that if you cant provide proof these accounts must be deleted. Well i want these accounts deleted if they are not 100percent right and correct. So could you please check on these and get back with me? I saw on a Credit site and board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct

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 2023-10-15 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: MD

Complaint narrative:
TRANSUNION is obligated by the FCRA to report accurate information as it relates to consumer reporting. Please be advised that the inquiries from XXXX and XXXX XXXX are being reported are FRAUD. This is identity theft, as I did not give said companies written authorization to add any inquiries to my credit report. TRANSUNION has 4 days to remove the inquiries pursuant to 15 U.S. Code 1681c2 -Block of information resulting from identity theft In addition, this is a violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. I am requesting that TRANSUNION provide the documentation used to determine that the inquiries were indeed authorized by XXXX XXXX, the consumer. TRANSUNION will need to provide me with the person to whom they spoke, the documentation used, and signed authorization with my wet ink signature. If TRANSUNION does not have the documentation to show these inquiries were in fact authorized, it must be removed ASAP. The inquiries reported are adverse and derogatory in fact and in principle, and their reporting is in violation of 15 U.S. Code 1681c - Requirements relating to information contained in consumer.

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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I never heard of this company. Our credit rating are very high on the three normal rating services. 
We tried to apply for a high interest CD and the bank told us our report with " Chexsystems '' is preventing us from getting the CD. 
We have tried by phone and online o open an accunt. To no avail. My wife got a human on the phone once and they had such a heavy foreign accent she couldn't understand them. The online procedure to enroll is impossible to negotiate and they have incorrect phone numbers as to be texted. 
Worst of all, they want me to complain to them which I find ridiculous and insulting. 
How can I get them to provide a credit report to me and can I take legal action against them You have my contact information

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 2023-10-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Duvera Billing Services, LLC
State: OR

Complaint narrative:
I took out a loan through XXXX XXXX XXXX  and I have made 4 payments on this loan so far totalling around {$600.00} and they have a promotion going on right now that is 90 days interest free on the loan, when I looked at my account I see that they are putting ALL of the payments to interest only, none to the actual principal. This was payments made within the 90 day period. I have emailed them regarding this issue and they keep giving me the run around as well as charging me % 199 interest

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Levy & Associates, LLC
State: OH

Complaint narrative:
I did research and found inaccuracies on my credit report In Accordance with Fair Credit Reporting act XXXX XXXX XXXX and Levy & Associates both have 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 which neither of them did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I don't have an account # XXXX with XXXX XXXX. If so, what's the phone number? This company has an address in XXXX and telling me to send payment in Michigan? This company is a scam. Company not even a registered entity for debt collections. CREDENCE RESOURCE MANAGEMENT , LLC XXXX XXXX XXXX XXXX, MI XXXX other address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
! account number XXXX! Subject : Dispute of Fraudulent Credit Card Account Pursuant to 15 USC 1681i Dear Sir/Madam, I am writing to formally dispute a fraudulent credit card account that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports. I have recently become aware of an account listed on my credit report that I believe is the result of identity theft. The details of this fraudulent account are as follows : CREDIT CARD! 
! Date Updated XX/XX/XXXXXXXX Last Payment Made XX/XX/XXXXXXXX Date Closed XX/XX/XXXXXXXX 
XXXX XXXXXXXX XXXX Name : XXXX Date of First Delinquency : XX/XX/XXXX I did not open or authorize this account, nor do I have any knowledge of the transactions associated with it. This fraudulent account is negatively affecting my credit score and my financial well-being. In accordance with 15 USC 1681i, I am requesting that you conduct a thorough investigation into this matter and take the following actions : 1. Verify the accuracy of the account information. 2. Determine the origin of this fraudulent account, including how it was opened and by whom. 3. Remove this fraudulent account from my credit report as it is not a legitimate account associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I legally asked Transunion Credit Bureau to refrain from allowing exploitation & internal employee obstruction of my personal credit report access for 3months I asked the Speciality handling department to handle an investigation into why the screen stalls when attempting access to submit Disputes online. It is my personal right to correct and request deletion of items that aren't mine & they keep ignoring my emails & callas like I won't put them on the news pur contact the Government regarding sabotage of my personal financial security. They have no ADA Compliance for phone & Relay support & I have asked for Directors & media staff to seek out a resolution before XXXX. Now they saying they can delete my account & create a new one but that isn't the solution for the issue. The resistance to reactivate my access leave my account alone from XXXX XXXX XXXX always trying to block & keep celebrities from their own profile access. This is Compliance fraud & I don't want my Dispute done XXXX XXXX XXXX representatives who are XXXX XXXX  relatable & never want to transfer to executives in XXXX XXXX XXXX.

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