vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: FL

Complaint narrative:
I checked my credit report on XX/XX/year> and found out there was a collection account placed on my credit report from a company named Vance and Huffman LLC that was reported on XX/XX/year> at least that is what it said on my report. According to the FDCPA it's illegal for a debt collector to report a debt to your credit report without first sending you a debt validation letter. 

I did not receive no debt validation letter from this company at all and do not recognize this debt. 

When you report to credit bureaus that is considered an act of trying to collect. 

If a debt collector fails to validate the debt but continues to go after you for payment, you can sue that debt collector in federal or state court. You might be able to get {$1000.00} per lawsuit plus actual damages, attorneys ' fees, and court costs. ( 15 U.S.C.

The XXXX  Consumer Collection Practices Act ( FCCPA ) supplements the federal Fair Debt Collection Practices Act ( FDCPA ) to protect consumers from abusive debt collection practices. 

This has cause my credit report damage I ask that they pay me for violating my rights and to removed this account immediately as my resolution. 

The company is located at ( that is trying to collect ) VANCE AND HUFFMAN LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Hello, I was charged for checked bags despite using my XXXX credit card, which should have waived the fee. I contacted customer service, who instructed me to request a refund. However, my refund request has now been denied. As this contradicts the advertised benefits of the card. I paid over {$2000.00} for the original purchase of my tickets with their credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Dear MIDLAND CREDIT MANAG XXXX XXXX XXXX ; I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
The reporting of this account violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the legitimacy of this claim and your authority to collect, please provide : 1. Proof of Authorization under 15 U.S.C. 1692e and 1692f.

2. Legal Basis for attempting to collect this debt, including applicable statutes.

3. Proof of Authorization to Operate in my state.

4. Evidence of Alleged Debt, including any contract or agreement bearing my signature.

5. Full Account History, detailing all charges, fees, and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: T.S. Holdings
State: CA

Complaint narrative:
Around the month of XXXX This company initially called my father and I and told us we HAD to pay this debt or else we will not be able to rent ever again, they asked for my personal information. The person on the phone tried to scare me into paying this debt by telling me I need to go take a loan out and or go into my retirement to pay off this loan. The person then continued to call and violate me. I had asked this person to please send in the mail a bill for this debt before I even think of paying it off. a couple days later while I was at work I get called to my managers office stating that they had received 3 calls from a person looking for me, my manager said the company told her it was a urgent matter and to contact them asap. I got the phone number and I proceeded to call the number and sure enough it was the man I spoke to about this debt. I asked him why he called my job 3 times and on there other end of the phone the person hung up on me. Then this month my credit went down XXXX point because they but it on my credit report. I had not received a bill from the original debt owed before they sold it to a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/year> email XXXX address XXXX XXXX XXXX XXXX XXXX new york zip XXXX once again I request the information that you send me with the 21 days advance notice before posting the delay to my credit bureau and you still have not provided me with any information. If such information exists please send it to me by this means. If not, please remove the information from all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
I have no idea what type of debt this is. No idea where is coming from.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: GA

Complaint narrative:
I am writing to formally notify you that I have been a victim of identity theft, resulting in a fraudulent account being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of this fraudulent account to ensure the accuracy of my credit report. 

Account : XXXX / XXXX XXXX XXXX / XXXXXXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: GA

Complaint narrative:
I am writing to formally notify you that I have been a victim of identity theft, resulting in a fraudulent account being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of this fraudulent account to ensure the accuracy of my credit report. 

Account : XXXX / XXXX XXXX XXXX / XXXXXXXX XXXX XXXX  Account Number : 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 explanation
Consumer complaint received 2024-11-24 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Upon Reviewing my consumer report I noticed hard inquiries that I did not make nor did I approve anyone to pull my credit report

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 2024-11-24 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: AL

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 Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: MI

Complaint narrative:
So I checked my credit report and seen a few inaccuracies on my credit report such as accounts XXXX that was opened XX/XX/year> and Also XXXX that was opened XXXX XXXX, I made reports and also have proof that these dont belong to me this is effecting my credit score pretty bad and I feel that is not fair at all.Can you guys please remove this fraudulent accounts off my credit report thanks and I also have proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: MI

Complaint narrative:
So I checked my credit report and seen a few inaccuracies on my credit report such as accounts XXXX that was opened XX/XX/year> and Also XXXX that was opened XXXX XXXX, I made reports and also have proof that these dont belong to me this is effecting my credit score pretty bad and I feel that is not fair at all.Can you guys please remove this fraudulent accounts off my credit report thanks and I also have proof.

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 2024-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Kikoff Inc.
State: TX

Complaint narrative:
The account is not mine, was never my account. I contacted the company and nothing. 
Ceditor KIKOFF LENDING LLC REPORT XXXX 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 explanation
Consumer complaint received 2024-11-24 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: AL

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 Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
The bank is chime.I had reported the card stolen online on XX/XX/year> When I found out it was stolenthe same day.The online generated a card. 
And I thought that the trans Actions would not be made after. I made an online about my card but the next day. I saw that all my money was takenand I called and spoke to a representative. They issued another card which I wasn't aware of cause they did not mention I called to dispute the amounts that were on my account which came out to XXXX XXXX dollars and they said I had to wait till that it was pending No longer so I did and chime denied my money back. They sent me a letter stating. It was denied because of other financial institutions. Or some other stuff like that. But I don't understand is why the transactions kept happening. After I did it online and reported the card stolen. They took all the money I had. And I was late on my light bill.And I keep calling back to deny.Or to try to get my money back and they keep giving me the same answer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX I received two XXXX one for XXXX and XXXX XXXX is closing my account because they said too many XXXX deposits. First they said due to close XX/XX/XXXX now its XXXX Every time I call Im getting different reasons why Im unable to close the account and get the {$7800.00} thats in 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 explanation
Consumer complaint received 2024-11-24 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: FL

Complaint narrative:
The issue involves a bankruptcy record that Transunion claims to have " verified '' directly with the U.S. Bankruptcy Court. However, I recently received an official letter from the United States Bankruptcy Court for the Middle District of Florida ( attached to this complaint ), which clearly states that the court does not report or verify information with credit reporting agencies. This directly contradicts XXXX 's response to my dispute. 

Below are the key facts of this case : XXXX. The bankruptcy record was added to my credit report. 
XXXX. When I disputed this information with XXXX, they claimed the court had verified it. 
XXXX. The court has confirmed, in writing, that it does not report or verify records with credit reporting agencies, as such records are publicly accessible. 

Under the **Fair Credit Reporting Act ( FCRA ) **, XXXX is required to ensure all information in my credit report is accurate and verifiable. By failing to comply with these requirements, XXXX is unfairly harming my credit history and my ability to access financial products.

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 2024-11-24 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I recently reviewed my credit report and noticed that an account that was never declared as credit was reported as a secured card with a late payment ( XX/XX/year> ). This account was never a secured card but was a debit card/prepaid account. I never had a late payment with this creditor. It I the right of each and every credit bureau to report accurate information and protect me from false reporting. I have attached supporting documentation, including a copy of my credit report that shows the account reporting as a secured card with one late payment on ( XXXXXXXX XXXX XXXX XXXX and the last payment status reported as paid/closed. I request that this issue be investigated and resolved promptly. Thank you for your understanding I look forward to this matter being solved promptly.

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 2024-11-24 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: TN

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Equifax, specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. XXXX is legally required to complete this action within four business days of receiving this complaint. *Fraudulent Accounts to be Removed : * XXXX {$12000.00} XXXX Account number : XXXX XXXX  {$2800.00} Account number : XXXX XXXX  : Date : XX/XX/XXXX Account XXXX XXXX  XXXX : Account number XXXX Last reported XX/XX/XXXX balance {$540.00} XXXX XXXX  : balance {$960.00} XXXX  ; balance {$540.00} Account number XXXX The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of Equifax in safe guarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter. Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: TN

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX TN XXXX I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Equifax, specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. XXXX is legally required to complete this action within four business days of receiving this complaint. *Fraudulent Accounts to be Removed : * XXXX  {$12000.00} XXXX Account number : XXXX XXXX  {$2800.00} Account number : XXXX XXXX  : Date : XX/XX/XXXX Account XXXX XXXX  XXXX : Account number XXXX Last reported XX/XX/XXXX balance {$540.00} XXXX XXXX : balance {$960.00} XXXX  ; balance {$540.00} Account number XXXX The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of Equifax in safe guarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter. Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief