vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
A demand letter was sent to me by Delgado Acosta Spencer stating I owed them money and legal action would be taken if I did not respond. 

I sent a cease and desist letter asking the company to validate the said debt that was owed along with signatures and validation of said debt. The company received my letter and still made contact with me without validation. 
The exact letter is down below To whom it may concern, I am writing to formally dispute the debt referenced in your communication dated XX/XX/year>, received on XX/XX/year>. According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am exercising my right to request validation of the alleged debt.

Additionally, I assert that any contract related to this debt may have been entered into under duress and coercion, and therefore, may not be legally binding. As per relevant contract law principles, including those outlined under Texas law, a contract entered into under duress or coercion lacks the necessary consent and is voidable.

Specifically, I request the following information : XXXX. Verification and documentation of the original amount of the debt. 
XXXX. The name and address of the original creditor to whom the debt is owed. 
XXXX. An explanation of how the debt was calculated, including an itemized accounting of the charges. 
XXXX. Proof that the debt collector is legally authorized to collect the debt on behalf of the original creditor. 
XXXX. Copies of any agreements that I have signed, showing that I have agreed to assume the debt, including evidence that such agreements were entered into without duress or coercion. 
XXXX. Certified copies of all documents related to the alleged debt as per Texas law. 
XXXX. Please provide any documentation showing any insurance claims that have been filed related to this debt. 
XXXX. Please provide the chain of title for the debt, including any documentation that shows the progression of ownership from the original creditor to your organization. 


In accordance with 15 USC 1692g, I request that all collection activities cease until this debt is validated. Failure to provide the requested documentation within the 30-day period will be considered as your agreement that this debt is invalid, and any adverse actions against my credit report will be considered a violation of the FDCPA.

Please respond to this request at your earliest convenience. You may send the requested documentation to my address. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX natural issuer lien right, subrogee, all rights reserved, without recourse UCC-3-402 ( b ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-08-09 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: IL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
There are two unauthorized transactions on my account, someone used my lost Td bank debit card to make purchases in another country while I was still in XXXX XXXX, TD bank fraud department contacted me on XX/XX/year> through text message to verify some charges, I immediately notified the TD bank that I was not the one making any of the charges, they immediately closed the card and reported the fraudulent charges and advised me filling a dispute once the pending transactions are posted on my account. I filed the claim for two unauthorized charges twice and they denied my claim, claim numbers : XXXX, XXXX, they are not reimbursing me for the unauthorized charges, I did not write down my pin number on the card or I did not authorize anyone else to use my card in anyway. 

I am notifying you of the above unauthorized transactions, in accordance with the Electronic Fund TransferAct. See RegulationE, 15U.S.C. 1693et seq., 12C.F.R. 205.6, 205.11

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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 2024-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Starting around XXXX of XXXX to XX/XX/XXXX. I started noticing unauthorized purchases on my Chase Bank Amazon account and other Vendors totaling {$3200.00}. When I contacted Chase, they referred me to Amazon for answers, and they bounced me back and forth for several hours between there customer services without no satisfaction and have refused to investigate or return my funds. Amazon could not even tell me where these services or products were delivered to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: Kriya Capital, LLC
State: WI

Complaint narrative:
In accordance with the fair credit reporting act XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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. Code 1681a - Definition ; rules of construction - Exclusion. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. And According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of consumer or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681 s-2 they suppose to not furnish any information relating to a consumer to any consumer reporting agency if the personknows or has reasonable cause to believe that the accounts 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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered 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 explanation
Consumer complaint received 2024-08-09 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: JH Portfolio Debt Equities, LLC
State: WI

Complaint narrative:
In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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. Code 1681a - Definition ; rules of construction - Exclusion. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.

Company response to consumer: Untimely response
Consumer complaint received 2024-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a Citi XXXX XXXXXXXX XXXX  which I had put a 'lock ' on several months ago. I got an email from Citi that even though my card was locked, there was a recurring charge being processed. This particular charge was unauthorized, from XXXX for a game which I do not have nor have had for several years. In fact, I disputed this charge ( yearly fee ) last year with Citi when it was charged and lost and then contacted XXXX, stating to never charge me again for this, I did not want, do not have, and am not authorizing. This appeared and processed again this year. XXXX. I again disputed this charge via the online web page, XXXX. I called to dispute this charge and after being told it would be removed I was transferred to XXXX different people in XXXX, just saying the same thing. XXXX. I asked them to cancel my account, XXXX. After an hour wasted on the phone I hung up. 
Today again, I called Citi ( XXXX ), this time only to close my account. I was again transferred to another person, this time to my 'Account Specialist '. After asking why I wanted to close my account, he apologized for the service I had received previously. Why do I want to close my account? XXXX. I have two other credit card with 0 % interest, XXXX. I do not want this much 'open credit ', and XXXX the way Citi treats their customers is unacceptable. 
He again tried to talk me out of closing my account, stating that they would have 'security ' investigate my dispute and cancel this number issuing me a new card with a different number so that recurring charges could not occur. I told him that I did not want another card, to close this account and if they send a new card it will only go into the shredder. 
I asked him why they wanted me to keep this account ( I already know why ). He told me about their great reward ( point ) system. I told him, yes, I have {$6.00} in points. He explained how they can accumulate. I told him, no, I don't use this card so nothing will accumulate, cancel the card. He kept talking. I finally go mad after 15 minutes of not getting anywhere to close this account. I have NEVER had such an issue canceling an account in my life! Citi is terrible. I finally yelled at him to cancel my account. He then said 'calm down ... ' I hung up. I am NOT going to waste another hour on the phone with Citi whom refuses to cancel my account. I want his account cancelled immediately. 

Now, instead of closing my account, I just received an email where they want me to 'unlock ' my account! 

Please advise how I can get this closed. 

Thank you for your assistance in this matter.

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 2024-08-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/year> my credit card was used online for XXXX XXXX tickets for the total of {$1200.00}. I did not purchase these tickets. The individual who did purchase these tickets printed the tickets at home. Fifth third and XXXX XXXX have since told me these tickets were used on the same day of purchase, in Texas. I live in Michigan. I do not know who the person is. I filed a dispute XX/XX/XXXX, fifth third refunded the charges, and sent me a new card. The same purchase was then charged again on XX/XX/XXXX. Fifth third said XXXX XXXX denied their claim because the individual had all of my information, making it a valid purchase. I told them the person obviously stole all my information the same place they stole my credit card number online. Fifth third denied my first dispute. I filed another dispute on XX/XX/XXXX only to have that one denied also because I didnt submit any additional information or documents. I told fifth third I dont have anything to submit. I didnt purchase the tickets. I asked a fifth third fraud specialist on the phone if they can check my bank statements and see I was nowhere near a XXXX XXXX on the date of purchase/use. I was using my other fifth cards in Michigan and Indiana only. The specialist advised I email the dispute team with that question. I did, on XX/XX/XXXX. I just received another letter in the mail, dated XX/XX/XXXX that my dispute had been denied again and this is a final decision unless I have new information. I dont know what else to submit. I have not received ANY emails or phone calls from fifth third, just the TWO denial letters. Ive called multiple times. One of the times I called I was only told about the second denial and told to send the emails.

Company response to consumer: Closed with explanation