vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX, Equifax received documentation by mail necessary to update the name on my credit report following my legal name change. 

On XX/XX/XXXX, I spoke to Equifax customer service, who informed me that my request to update the legal name on my account had been rejected- but refused to provide any description of why the request had been rejected. The customer service agent, since my new legal name was listed on under " Other Names '' on my credit report, was willing to update my account name to match. 

By the next day, my Equifax account was unable to retrieve my credit report. It displayed " Please give us a call and give this code to the XXXXXXXX XXXX XXXX  Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX-EQUIFAX ( XXXX ). '' I contacted customer care around XX/XX/XXXX, who assured me the problem would resolve itself within 24 hours. 

On XX/XX/XXXX, I found the problem had not resolved and called customer service to resolve the issue. They assured me they had opened a ticket for their technical support team and I should hear back within a week. 

On XX/XX/XXXX, not having heard from technical support, I called back. Customer service informed me the last agent spoke in error, and a response would take two weeks from my original report date. 

On XX/XX/XXXX, I called customer service again. They assured me the ticket had been escalated, but I would soon hear from the technical support team. I asked when that would be, and they refused to provide an estimate. I informed them that I would file a CFPB complaint if the issue was not resolved promptly. 

As of today, XX/XX/XXXX, the problem is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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:
I recently checked my credit report and noticed multiple inquiries from your company that I dont recognize or remember authorizing. This is really concerning, as its affecting my credit score and causing me a lot of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I found billing errors on my credit report listing late payments that dont match my usual payment behavior. Please fix these inaccuracies and adjust my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: NJ

Complaint narrative:
XXXX is being reported on all 3 of my credit reports. XXXX representatives has failed to respond. I never authorized them to sell my information to a third party. 

I contacted fingerhut representative " XXXX '' On XX/XX/XXXX XXXX over the phone and i via certified mail receipt fingerhut on XX/XX/XXXX. I also contact the collection agency Resurgent Capital Services L.P., and they failed to respond to my request of them proving, showing original statements of account, original contact showing my wet signature agreeing to do business with them, i also requested them to show proof they have a license to do business in XXXX XXXX order to collect. I received no response and I certified mail the CEO requesting the same and no response. 

They're reporting this on my XXXX credit report XXXX XXXX XXXX and on my XXXX XXXX XXXX XXXX Account # XXXX and on my XXXX credit report LVNV FUNDING LLC is collecting on behalf of Resurgent Capital Services L.P. , and federal law prohibits a collection agency to collect on behalf of another collection agency aandthe federal law prohibits collection agencies to collect on behalf of a creditor as a third party due to no proof of original contract showing the consumer agreed to do business and pays. 

In addition, XXXX XXXX account is showing the same results and I contacted Webbank/Fingerhut and Resurgent Capital Services L.P. , LVNV FUNDING LLC numerous of times and they failed to respond to the inaccurate items, they failed to prove what I request in my dispute letter requesting to validate the debt nor did they remove inaccurate items being reported. I would like this inaccurate account removed immediately from all 3 of my credit reports.. 

Thank you for your time and consideration

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX of XXXX, Someone STOLE my identity and opened up a business card through Capital One. This person spent a total of {$7700.00} and opened a business called XXXX XXXX XXXX  in XXXX, GA. I live in XXXX, NY. I completed police reports, affidavits, filed reports through the FTC, and filed disputes through all of the credit bureaus, etc. Police report was through the XXXX XXXX Police department- report number XXXX. The account was closed in XXXX of XXXX. However, Capital One deems me as responsible for paying the amount listed above. I spoke with several different people, and filed theft complaints. My exact case number is XXXX. This came back as non-fraudulent and I was told that there was nothing else they could do for me. I was not given a chance to file an identity theft claim. The account starts with XXXX and ends with XXXX. This has GREATLY impacted my family and me. We are not allowed to take out a builders loan to build our dream home because this account shows 20 months past due. I now have debt collections on my credit report because of this as well.I DEMAND that the {$7700.00} is wiped out and I am found not responsible for paying this debt that is not mine. I have NEVER been so infuriated with a company in my entire life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: PA

Complaint narrative:
I just discovered unauthorized inquiries on my credit report this morning, and I have no idea why they're there. I review my report regularly, but this time, unexpected discrepancies appeared. I even refreshed my browser, thinking it might be a glitch, but the unauthorized entries remained. Please review the documents Ive submitted carefully, so I can put this concern to rest once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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:
To Whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I don't believe the information to be accurate. 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 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I booked airlines tickets via chase credit card but did not take the trip and requested refunds. The merchant submitted documents allowing for refunds after deducting fee. Chase only gave me half of refunds not understanding theres 2 tickets to refund. They refuse to take further actions

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SOFI TECHNOLOGIES, INC.
State: KS

Complaint narrative:
I have repeatedly been turned done for banking services by this specific company without any details. Initially I was led to believe it was an issue with a duplicate account, including in a response to previous CFPB complaint, however after that was resolved there is still an issue the bank refuses to communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: TX

Complaint narrative:
I am writing to dispute a collection account on my credit report. I have not been properly notified about these collection and there are inaccurate with how they are being reported. I demand that these collection be investigated and removed from my credit report. The following account needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1692 ( c ) this law clearly states : 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, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ;

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2024-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Theres nothing quite like being harassed by your mortgage holder, Bank of America, over a XXXX error in your monthly payment. After spending time on the phone with a bank agent and thinking the issue was resolved, you still end up receiving multiple letters over that XXXX XXXX. Its as if the bank is determined to keep you on edgeeven if its only for XXXXXXXX XXXXwith repeated, unnecessary reminders. This is incredibly stressful, especially with the underlying threat that they can do whatever they want. They need to stop this behavior of driving people to the brink and XXXX XXXX XXXX XXXXXXXX over XXXX XXXX No one there seems to look into the issue, and no one takes notes, even when you call. Instead, they persist in harassing you.

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 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
XXXX my XXXX  children have been a victim of fraud and identity theft. I have contacted the credit card companies explaining the accounts were fraudulently opened and my XXXX XXXX XXXX The accounts need to be removed from their credit reports, collections, and any other reporting as these are fraudulent. The companies have failed to correct the accounts as well as the credit agencies. 

See police reports of fraud and theft. 
XXXXXXXX XXXX Sheriff 's Department Report XXXX. XXXX XXXXXXXX XXXX Sheriff 's Department Report XXXX. XXXX XXXX XXXX Sheriff 's Department Report XXXX. XXXX XXXX XXXX Sheriff 's Department Report No XXXX XXXX XXXX Sheriff 's Department Report No. XXXX XXXX XXXX Sheriff 's Department Report XXXX. XXXX XXXX XXXX Sheriff 's Department Report XXXX. XXXX XXXX XXXX Sheriff 's Department Report XXXX. XXXX Federal Trade Commission Report XXXX Federal Trade Commission Report XXXXXXXX XXXX XXXX  Police Report No. XXXX XXXX XXXX Police Report XXXX. XXXX XXXX XXXX Police Report XXXX. XXXX XXXX XXXX Police Report 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 explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: TX

Complaint narrative:
I recently checked my credit report and noticed multiple inquiries from your company that I dont recognize or remember authorizing. This is really concerning, as its affecting my credit score and causing me a lot of stress.

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 2024-10-28 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: TX

Complaint narrative:
I am writing to formally notify you that I have been a victim of identity theft, which has resulted in several fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to resolve this matter. 

ACCOUNTS : ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the prompt removal of these fraudulent accounts and inquiries to ensure the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
To Whom It May Concern, This letter is a formal request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 
1692g, for validation and verification of the debt referenced above. I hereby demand that you immediately cease all collection activities until you provide me with proper validation of this debt. I dispute this debt in full and require the following information within 30 days : 1. 2. The original signed agreement or contract that legally binds me to this debt.

A detailed breakdown of the amount claimed, including principal, interest, fees, and any other charges. 
3. Copies of all account statements from the original creditor proving the balance you claim I owe.

4. A full accounting of all payments made, including dates, amounts, and how those payments were applied. 
5. 6. 7. 8. The name and contact information of the original creditor.

Proof that the debt is still within the statute of limitations.

Proof that you are licensed to collect debt in my state.

A copy of the assignment or transfer of debt from the original creditor, with proof of the chain of custody if this debt was sold. 
9. The date of the original debt and when it became delinquent.

10. Proof that this debt has not been discharged in bankruptcy.

11. The original creditor 's explanation of why this debt is owed.

12. A copy of the last bill sent by the original creditor showing the exact amount.

13. Documentation verifying that I am the correct person responsible for this debt.

14. Proof that you or your company is legally authorized to collect this debt in my state.

15. A complete history of the debt from its origination to the present day, including any additional charges and adjustments. 
If you are unable to provide these items, this will be considered a failure to validate the debt, and I expect you to cease all collection activities and remove any negative information from my credit report immediately. Failure to comply with this request will result in a formal complaint to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 
Additionally, I reserve the right to pursue legal action for any further harassment or violation of my rights. 
I look forward to receiving your prompt response within the required 30 days. Please be advised that failure to validate this debt in full will result in my demand for its immediate removal from my credit report and cessation of all collection efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: VA

Complaint narrative:
I am filing a complaint against Equifax for failing to respond to my recent dispute. I submitted a dispute by mail to address inaccuracies on my credit report, including all necessary documentation to verify my identity. However, I have not received a response from Equifax within the timeframe required by the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA ( 15 U.S.C. 1681i ), Equifax is obligated to investigate and respond to disputes within XXXX  days. This lack of response is a violation of my rights and has prolonged the negative impact of inaccuracies on my credit report. 

I respectfully request the CFPBs assistance in ensuring Equifax compliance with FCRA regulations and a prompt resolution of my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Credit acceptance is attempting to take money from me for 8 years ( XXXX ). It is now XXXX. Im XXXX I do not know them. I was told it should have been removed and resolved.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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