vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
On XX/XX/2024, I engaged in communication with Hunter Warfield regarding an asserted debt they claim I owe. I explicitly requested legal and contractual validation in connection with this matter. The representative communicated that she had responded to the Consumer Financial Protection Bureau ( CFPB ) complaint and furnished all pertinent legal documentation. However, the documents associated with the CFPB case # XXXX XXXX lack any valid signature from either myself or my spouse, and they are identified as electronic signatures ( E-SIGNATURES ) susceptible to being generated by Hunter Warfield.

Hunter Warfield 's personnel persist in sending emails to both myself and my spouse containing generic and misleading documentation, falsely asserting that I owe them funds. I wish to emphasize that I have never engaged in any business dealings with this company. Consequently, I demand an immediate cessation of all further actions affecting credit reporting until Hunter Warfield provides legal documentation, including attachments of a genuine signed contract by either XXXX XXXX or XXXX XXXX. 

This ongoing conduct by Hunter Warfield constitutes a violation of the Fair Debt Collection Practices Act, 15 USC 1692, and includes the provision of misleading representations of a creditor or company. Moreover, the validation of debt has not been appropriately provided. 

I am fully prepared to pursue additional legal avenues if Hunter Warfield persists in bypassing the prescribed legal procedures and fails to adhere to proper protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
The company is denying my claims and wants me to review years of statements dating as far back as iof XXXX to check for fraudulent activity. When I find activity they deny claims and now claiming they have no record of me being part of the breach when Wells Fargo themselves sent me {$60.00} which I deposited in their account they are doing all this to not pay me they dont even want to review my account

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion is violating my consumer report rights. I previously notified all bureaus that I am a victim of identity theft

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 2024-01-19 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: LA

Complaint narrative:
I was a victim of the XXXX data breach. 
I want these items deleted from my credit reports effective immediately. 
I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. 
Please help me delete these illegal accounts from my credit reports. 
Old addresses XXXX XXXX XXXX XXXX La XXXX, XXXX XXXX XXXX XXXX La XXXX, XXXX XXXX XXXX XXXX La XXXX Birthday not correct XX/XX/year> is my correct birthday. 
Employment incorrect XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX Reported late

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 2024-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2024-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
I was having a problem trying to get a hold of one main to pay my car payment. Phone either disconnected or changed. So I emailed them several times stating needing to contact them so I could make payment. Them get papers mail shortly on stating they were going to garnish my wages. So starting on XXXX they started taking out between XXXX to XXXX a week out of my check. They wanted the amount of XXXX total after all.fee and etc.. However I didn't owe that much left on my car. Maybe around XXXX give or take. Well the garnishment end date was XXXX. They say I still owe around XXXX when it was completed and it still on my Credit report. They are still trying to garnish my wages for the 2nd time. They also have had the vehicle since the garnishment It was Repo. I have been trying to get all this cleared up but have had no luck at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credt Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
my information was sold and bought illegally because i was a victim of the equifax data breach. i want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that i was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX  is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: FL

Complaint narrative:
XXXX I reached out via email to Vance & Huffman XXXX 
XXXX The company responded via email. 
XXXX I verified via email on who I was. 
XXXX Vance and Huffman informed me via email to We have asked that XXXX XXXX and XXXX XXXX handle your accounts. XXXX XXXX has the account XXXX, and their number is XXXX. XXXX XXXX has the XXXX account, and their number is XXXX XXXXi responded via email I understand that youve asked another company to handle my account. However, Vance & Huffman ( your company ) is on my consumer report. Therefore, Im asking you for validation. 
XXXX XXXX whom is a representative for Vance & Huffman informed me that she sent it to an inaccurate address. She attached two documents which didnt verify this debt. 
XXXX I responded via email informing her that I am requesting additional information so I can verify this debt. 
XXXX XXXX responded via email- This information was already provided to you in the mail for both accounts. XXXX XXXX and XXXX XXXX did not take over the debt, they are handling the account for our office, Vance & Huffman. The account has been placed in dispute. If you have any questions, please contact the office at XXXX XXXX I followed up again with via email. 
XXXX Via emailXXXX whom is a representative from Vance & Huffman answered a few of my questions. 
XXXX I responded via email to XXXX informing her that I would like their offices Professional License # etc : ( I want to make sure that Im not being scammed! ) XXXX XXXX responded via email The office is not required to provide that information to you. 
XXXX I informed her that she was required to give me this info ( their professional business license # ) XX/XX/24 XX/XX/24 XXXX I followed up again via email to XXXX No response. 
Multiple violations!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE SEE ATTACHMENT FOR THE FOLLOWING XXXX ACCOUNTS TO BE DELETED FROM MY ATTORNEY. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
It appears that I am a victim of identity theft. ( Please see attached documents )

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 2024-01-19 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NH

Complaint narrative:
It is against the law to report transactions or experiences between the consumer and the person making the report. The term " person '' is DFCU the corporation and the " consumer '' is me. You have violated my rights according to 15 U.S. Code 6802 and 15 U.S. Code 1681a ( 2 ). The illegal late payments that you are reporting concerning me are harming me personally, emotionally, and financially, and causing me damage. 

You have also inaccurately reported my information on numerous accounts. I request that the inaccurate accounts be deleted from my consumer profile. I've attached the inaccurate information on my consumer report and highlighted it in red. 

I request that you promptly delete all late payments and send me an updated copy of my credit report within 30 days of your request that you fully comply with the law in my request. Should you fail to make the requested deletions, I request that you provide me with your permissible purpose for reporting each account on file in writing and copies of the written instructions of the consumer ( me ).

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I asked them how I have late payments when I closed the account and fully paid my balance..its reporting false 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 non-monetary relief
Consumer complaint received 2024-01-19 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: CA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-01-19 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: FL

Complaint narrative:
I received a copy of my credit report and information is listed incorrectly, I do not have any agreement with nor have I ever had a contract with LVNV Funding LLC Account Number XXXX This collection account is reporting OPEN, but also shows a balance of XXXX. According to the FCRA, I have the right to an accurate credit report. Please remove the account immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CENTRAL BANCOMPANY, INC
State: MO

Complaint narrative:
Central Bank repossessed car after denying that my XXXX payments made through their payment website within XXXX month of " late '' pay issue. They offered no assistance in correcting issue. The bank also ordered the repo 5 days in advance ; over a monday bank holiday, after banks closed on sunday, and banking half hours on saturday ; in which i had tried to make payments on more than XXXX occassion ; after being denied a 'receipt ' on account payment from loan dept. over phone, as well as, by the live cashier in the bank lobby ; Resulting, at XXXX, a call arrangement in agreement with loan mgr at my local bank- if i was paying cash-by XXXX ( tue ) that day. The repo driver at XXXX that night, who told me that the order had been issued " a couple days ago '' : ( which would have been XXXX holiday mon, XXXX sun closed, XXXX. Sat half hours, and day # XXXX *Fri for mgr at bank to work that day ) that i " deserved what i was getting bc i 'had not paid my car loan ' ". First of all!!! I Did Pay {$500.00} in previous XXXX weeks to that loan that was current to that date!! Second!!?? WHO IS HE TO TELL ME THAT I DIDN'T MAKE MY PAYMENTS and THAT I DESERVED ANY!! THING THAT HE ( uninvited/tresspassilng ) could or WOULD DO TO ME AT XXXX PM ON MY PROPERTY??? 
I live XXXX min from my bank, WITHOUT MY CAR, after a holiday, and, after, this so-called, bank had shut down all XXXX of my XXXX year old accounts and deleted my account history from the only bank that i had any financial accounts with!! ( Now, no ride=Unemployed ) i had to find and secure a {$7000.00} 'cash ' loan and get to an open bank XXXX. in less than XXXX hour.?XXXX XXXX XXXXsure.

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 2024-01-19 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I called this weekXX/XX/XXXX@XXXX.. being that it had been more than two weeks since I opened the account and have not received it. I called in and followed their prompted choices and selected the only one with report card and once selected it said select three if you have not received your card. 

I called back in and connected to a representative and they said I requested my account to be closed. I never did.she said she would reinstate and send new card. My concern is that my account will be closed when I never requested that.

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 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I received a book of checks in my name from TD Bank and when I called customer service using the account number listed on the checks, the account had over {$4000.00}. We called the XXXX Police department and they documented everything and opened a case but I was told to opened a fraud case with TD Bank. I called the bank and someone took all the information but never gave me a case number and never called me back. I went to the bank in person to find out who opened the account and was told that they could not disclosed that information. They just closed the account two months later. 
I want to know why the victim dont have the right to know who opened a fraudulent account with TD Bank XXXX I wrote to the TD Bank Escalated Senior Department who referred me to the Chairman Services who never answer my email, then I called and left several messages and finally today I received a call from that department and was told that I can't get any information and that is normal as he ( XXXX XXXX. ) has been able to open accounts without any id. This made me question myself if this is a case similar to the one that XXXX XXXX had were employees were opening fraudulent accounts in order to keep their jobs because they had a quota to meet. I found information in the FCRA page that states that " I received a book of checks in my name from TD Bank and when I called customer service using the account number listed on the checks, the account had over {$4000.00}. We called the XXXX Police department and they documented everything and opened a case but I was told to opened a fraud case with TD Bank. I called the bank and someone took all the information but never gave me a case number and never called me back. I went to the bank in person to find out who opened the account and was told that they could not disclosed that information. They just closed the account two months later. I want to know why the victim dont have the right to know who opened a fraudulent account with TD Bank when the Fair Reporting Act states that by law they must provide copies of records without a subpoena.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PLS GROUP, INC
State: TX

Complaint narrative:
I was at work and started getting notifications so I look at my phone and XXXX dollars was withdrawn from my account so I called immediately and reported it, I was told this happened in XXXX and I'm at work in XXXX and I only have 1 card and it was with me, they denied my claim said they couldn't find any errors, I asked for the copy their findings on their investigation because there was an error and I still haven't received anything about the investigation and if they really did investigate they could have seen who was at the ATM withdraw money and I could have pressed charges I don't think they did investigation there's no way that they couldn't find the error

Company response to consumer: Closed with explanation