vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-04 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: FL

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2024-12-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to report an unauthorized charge on my bank account from XXXX for {$160.00}, dated XX/XX/year>. I promptly notified my bank, Capital One, on XX/XX/year>, of this fraudulent charge. Capital One issued a provisional credit of {$160.00} on the same day while they conducted their review. 

However, on XX/XX/year>, I was unable to make a purchase with my card due to it being declined. Upon checking my account statement, I discovered that the provisional credit had been reversed. I later found that on XX/XX/year>, Capital One had sent me an email notifying me that the provisional credit would be removed on XX/XX/XXXX. When I contacted my bank, they informed me that after reviewing evidence provided by XXXX and its representative, XXXX, they had deemed the charge legitimate. 

On XX/XX/year>, Capital One provided me with the documents submitted by XXXX, which included purchase details, vendor policies, and a message from XXXX indicating that she would escalate the dispute if the reversal was not processed. After further investigation, I discovered that XXXX operates an XXXX account, XXXX, to promote her services. XXXX contends that the vendors policies are clearly stated on this account. However, my review revealed that the policies were not posted on the XXXX website, which is linked in XXXX bio. 

In my email to Capital One on XX/XX/year>, I pointed out that the policies were only accessible through the READ THIS highlight section on XXXX XXXX account. According to the Texas Deceptive Trade Practices-Consumer Protection Act ( DTPA ), business policies must be clearly presented to be enforceable. Because these policies were hidden within an XXXX highlight that is not clearly labeled, they do not meet this standard and should not be considered valid. Despite explaining this significant issue with the transparency of the policies, Capital One sided with XXXX and refused to refund the unauthorized charge. 

Furthermore, the deposit for the service was never authorized by me, and no service was rendered. Thus, I am entitled to a full refund. 

This dispute has evolved from the legitimacy of the charge to the transparency and accessibility of the merchant 's policies. Given the circumstances, I believe I am entitled to a refund for this unauthorized charge. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX My Banking Company : Capital One Claim # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: NY

Complaint narrative:
I don't recognize the following Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Been disputing for quite a while with the credit bureaus.

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 2024-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX Date : XX/XX/year> Capital One Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, UT XXXX Subject : Intent to Sue for Violations of Federal Law Dear Capital One Legal Department, I am writing to formally notify you of my intent to file a lawsuit against Capital One for repeated violations of the Fair Credit Reporting Act ( FCRA ) and other applicable federal and state laws. The violations pertain to the inaccurate reporting of information to the credit reporting agencies ( CRAs ) regarding the following accounts : 1. Account Number : XXXX XXXX. Account Number : XXXX Upon reviewing my credit reports, I have identified several inaccuracies, including but not limited to : Account Type : Incorrectly reported. 

Account Status : Misstated.

Date Opened : Incorrectly listed.

Balance Reporting : Inaccurate.

High Credit : Incorrect value reported.

Credit Limit : Misreported.

Past Due Amount : Reported incorrectly on a charged-off account.

Payment Status : Incorrect status reported.

Last Reported Date : Not accurate.

Comments Section : Contains misleading or incorrect information.

Date Last Active : Incorrectly stated.

Date of Last Payment : Reported incorrectly. 

These inaccuracies constitute willful and/or negligent non-compliance with the FCRA, specifically under 15 U.S.C. 1681s-2 ( b ), which mandates furnishers of credit information to ensure accuracy when reporting to CRAs and to promptly correct inaccuracies once notified. 

Demand for Damages As a result of these violations, I have suffered significant harm, including but not limited to damage to my credit score, denials of credit opportunities, emotional distress, and reputational harm. I am demanding the following : 1. Statutory damages of {$1000.00} per violation as provided under the FCRA.

2. Punitive damages for willful non-compliance.

3. Reimbursement for attorneys fees and legal costs if litigation proceeds.

Resolution Request To avoid litigation, I demand the following actions within 15 days of receipt of this letter : 1. Immediate correction of all inaccuracies in my credit reports regarding the accounts mentioned.

2. Written confirmation from Capital One and the CRAs of the corrected information.

3. A settlement amount of {$12000.00} to resolve this matter amicably.

If I do not receive a satisfactory response within the specified timeframe, I will have no choice but to file a lawsuit to enforce my rights under the FCRA. This letter serves as your final notice before legal action is taken.

I look forward to resolving this matter promptly. Please direct all correspondence to the address provided above or contact me via email or phone. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear Sir/Madam, I have requested documentation of this debt that was charge off account, which the acquired owner voluntary took on the debt and now threating to sue me which I was never in contract with. Please see email below to XXXX, XXXX sent on XX/XX/year>. 


I am writing to dispute a debt allegedly owed to your company, originating from CitiBank N.A. ( Best Buy ), and subsequently acquired by XXXX, XXXX. I have no record of this account or the associated debt amount. 

To assist in resolving this matter, I respectfully request the following documentation be provided : 1. **Account Documentation : ** Copies of all documentation related to this account, including those predating XXXX XXXX XXXX XXXX acquisition. This should clearly show my name, the last four digits of the account number, and the debt amount at the time of purchase by XXXX, XXXX. 

2. **Transaction History : ** A complete and detailed transactional history of the account since its acquisition by XXXX XXXX XXXX XXXX 

3. **Chain of Ownership : ** A chronological list of all previous debt owners, including the dates of each transfer of ownership, from the time of the initial charge-off. 

4. **Bill of Sale/Transfer Documentation : ** Copies of all bills of sale or other documentation evidencing each transfer of ownership from the time of charge-off. This should also include documentation pertaining to the original account opening. 


Please send the requested documentation to the following address : XXXXXXXX XXXX XXXX XXXX, FL XXXX Thank you for your time and attention to this matter. I look forward to your prompt response.

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 2024-12-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
I discovered this account on my credit report in the amount of {$8900.00} I am unaware of any debt owed to the original creditor, especially at that amount. This is showing up on my credit report as a derogatory joint collection charge-off and having very negative effects on my credit score. I have been unable to secure funding for necessities like a car and living arrangements. It shows the date of the account as being opened in XXXX of XXXX. I sent a letter requesting information about this debt on XX/XX/XXXX and got no response, and again on XX/XX/XXXX, again with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XX/XX/year> my account had been closed without my knowledge. my paycheck was coming and supposed to be deposited to that checking account. i was not the one who closed it. huntington told me a secondary user closed it. it was done without me ( primary card holder ) knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: EQUIFAX, 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: FL

Complaint narrative:
I am writing to report a serious incident of unauthorized transactions and account compromise that occurred while I was traveling overseas between XX/XX/XXXX and XXXX XXXXDuring this period, my checking account with TD Bank was subjected to multiple fraudulent charges. Each time my card was randomly blocked, I promptly contacted TD Bank and they informed me of unauthorized charges. I clarified each and every time that the incorrect amounts were not authorized by me. Despite these efforts, the fraudulent activity persisted, leading to the compromise of my account. 
In response to the ongoing fraud, my TD Bank debit card was blocked multiple times. When I contacted TD Bank to inquire about the reason for the block, I was informed that fraudulent charges were being attempted on my account. As a result, I had to rely on my digital wallet for financial transactions. 
To mitigate the risk of further fraudulent activity, my debit card was replaced four times during this period. However, the fraudulent attempts continued.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-04 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: FL

Complaint narrative:
I have no knowledge of this alleged debt until it appeared on a recent credit report. I request debt validation and proof of claim for this 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 non-monetary relief
Consumer complaint received 2024-12-04 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I have no knowledge of this alleged debt until it appeared on a recent credit report. I request debt validation and proof of claim for this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
The First National Bank of Omaha has discriminated against my application for an extension of credit. The adverse action given to me is a violation of the Consumer Credit Protection Act 15 USC 1691b. I have sent a letter regarding my right to have credit extended to me pursuant 15 USC 1691 ( a ).

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Late Payment 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: FL

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX XXXX equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.

Company response to consumer: Closed with explanation