vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 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: IL

Complaint narrative:
I had disputing this account with XXXX XXXX XXXX multiple times this is not my account I was XXXX  during the times this account was open I has summited multiple supporting documents as well as police report. XXXX and XXXX has already removed this item from my file .everytime I dispute it threw Equifax they say the dnt have my documents on file here I am once again resending the documentsthis account is showing inaccurate such as XXXXlate payments as well as its not my account ..I ask that u removed all late payments or removed whole account this has cause pain and suffering to me. I have file multiple complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: LA

Complaint narrative:
I am writing to formally dispute and request the removal of the XXXX XXXX XXXX account from my credit, as I have been a victim of identity theft. This letter serves as both a dispute and a request for both of the accounts to be removed per law. 

Identity theft is a severe crime, and under federal and state laws, I am entitled to certain protections and rights, including those provided under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ).

I kindly request that you investigate this matter promptly and provide a written response in accordance with the FCBA. I expect that you will : Acknowledge receipt of this dispute letter within XXXX  days. 
Conduct a thorough investigation into the unauthorized charges.

Temporarily suspend any further collection activities related to these charges during the investigation.

Provide me with written updates on the progress of the investigation.

Provide a final written resolution of this dispute within XXXX days. 
Failure to comply with the FCBA and other relevant laws may result in legal action on my part. I trust that you will take this matter seriously and expedite the resolution process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I am writing to address the charged-off account associated with the above-referenced account number. I understand the account has been charged off, and I am reaching out to discuss the possibility of settling the outstanding balance. 

Due to [ explain any financial hardship or challenges you've faced ], I am currently unable to pay the full amount owed. However, I am eager to resolve this matter and am proposing a settlement. 

I am offering to settle the account by paying [ percentage or specific amount, e.g., 50 % of the total balance ] as a full and final payment. Upon receipt of the agreed-upon amount, I request that you update the account status on my credit report to " Paid '' or " Settled. '' I believe this proposal is fair and mutually beneficial. It would allow me to resolve the debt while providing your agency with a reasonable payment. Please find enclosed [ if applicable, include any
supporting documents or a cashier 's check for the agreed-upon amount ]. I kindly request that you send me written confirmation of our settlement agreement, including the updated account status on my credit report, within [ specify a reasonable timeframe, typically XXXX business days ] of receiving the payment. 

This settlement is not an acknowledgment of liability for the debt, and I am making this payment to expedite the resolution of the matter.

If you find this proposal acceptable, please provide a written confirmation of our agreement, and I will promptly submit the agreed-upon payment. 

Thank you for your attention to this matter. I believe that reaching a settlement is in the best interest of both parties and will help bring this issue to a satisfactory conclusion. 

Sincerely, XXXX XXXX Note : Before sending such a letter, it's advisable to consult with a financial advisor or legal professional to ensure the terms are appropriate for your situation and comply with applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Harris & Harris, Ltd.
State: DC

Complaint narrative:
I settled a XXXX DMV issue with Harris & Harris. The XXXX DMV is still rejecting my vehicle registration application XXXX  days after resolution. I called Harris & Harris to request proof of settlement and was told by XXXX XXXX that I need to go in person to the DMV and tell them I am on a payment plan because Harris & Harris communicated the debt repayment plan to XXXX  DMV and updated in their system but there is something awry on the DMV side. I can get a letter stating that I am on a payment plan but Harris and Harris can not tell me what detail will be included in the letter and that it may take up to XXXX  days to get this letter, which is an issue because temporary tags last for only XXXX  days. I can not get information through email. They are not willing to provide a receipt of any kind or documentation to support the validity of the debt, though they are in receipt of payment and the account is current and they have been receiving payments on time via ACH each month since XXXX. Reference number provided for payments is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
closed account without authorization and reporting a certificate of indebtedness which is income that isnt supposed to be reported into my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
I have had questions with my loan and have always been ignored or hung up on. I called numerous times regarding the loan and my original documents. Never got nothing until recently and what they sent is definitely not what I asked. For one the title on papers says XXXX XXXX XXXX XXXX XXXX  South Dakota not even close to where I purchased vehicle. I purchased on other side of the state up north at XXXX XXXX XXXX. Thats one problem then looking over what they did send me which looks like its been XXXX none amount equal and on XX/XX/XXXX. I called Capital One. Asking if I had gap insurance because I was in they told me no so I asked for refinancing to get another vehicle because my vehicle was totaled. They told me no so I did a buyer retain because I didnt think I can get another vehicle and I was gon na have to pay it off anyways come to find out that I do have gap insurance so they lied to me also not knowing that then about resending, they gave me a no clause thing, saying that I had no right to resend. My loan violated. My consumer rights left and right I told them, and it was documented for a cease, and they have contacted me since I even have a voicemail from them from today looks like fraud to me but is not real document and it definitely is not all the documents we signed and I didnt know most of the stuff until I started studying the consumer laws so now I know that the truck has been paid for and theyre double dipping truck charging interest. The truck was XXXX but they was like XXXX paper finance XXXX I had a down payment which wasnt even in there and so in the company that automatic made me use credit card to cover the down payment even though that right there shouldve avoided the contract because theyre consumer transaction no cash is supposed to be exchanged ive contacted XXXX numerous times for the same documentation I get they tell me Ill send it and they never give me anything XXXX is gon na be another one that is gon na have a complaint Ive been getting XXXX  over left and right by both XXXX the dealership and capital one, and not what I like my truck to be resend any remedy with all my money back but Id also like them all the XXXX I went through and deal with this. The money had XXXX I had paid for the new transmission because I said I didnt have the warranty which I did, all the money that I paid the money for supposedly along with you know, we all know it comes out of XXXX reserve out of my XXXX XXXX  but I want to buy a new vehicle as well and pay off the repairs of this one for all the lies and everything did, and I need to take them to court and I will they should be operating my research stuff first time theyve done anything like that couple ones been sued a lot. I definitely want anything taken off my credit report because I never been put on there because is no void contract on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: PA

Complaint narrative:
XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as OPEN, but also as having a past due balance of {$220.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to The Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.

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 2023-12-29 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: PA

Complaint narrative:
XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as OPEN, but also as having a past due balance of {$220.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to The Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: MI

Complaint narrative:
Im begging you please remove this to the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
The account is paid in full but still listed on my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

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 2023-12-29 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: The Receivable Management Services LLC
State: PA

Complaint narrative:
To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as OPEN, but also as having a past due balance of {$220.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to The Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.

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 2023-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: GA

Complaint narrative:
On XX/XX/2023 I opened a dispute via telephone with Chime Support regarding a transaction from XX/XX/2023 for {$410.00} with the merchant XXXX after unsuccessful attempts to resolve this matter with the maerchant after receiving a suit that was late, dirty, and not as described. I sent the photo evidence of all these issues with very detailed documentation to prove this along with a description from the website confirming that the suit was not as described along with email correspondence. Chime who actually isnt a bank failed to investigate this matter properly and claims that there is no way to speak with the specialist who is handling the dispute. I sent multiple pieces of evidence in which I feel was ignored as there was no confirmation or any communication from the special team handling the dispute. Chime has a history of shady practices as well as not handling disputes properly or even investigating them. This situation is really stressful as the bank is supposed to prevent merchants from committing fraud by sending customers items as not described and getting away with it. Chime didnt handle this dispute properly and failed to provide whatever bogus information they used for decision which was requested verbally and in writing. I requested for an appeal with a different agent as this dispute was not handled properly and no one reached out to me as they are letting the merchant get away with sending me an item not as described. The dispute is not about any errors or not receiving the item. The problem is the suit was not as described and has been a waste of my money and time. The merchant agreed to pay the invoice to have the suit tailors as I am not able to fit or wear the suit as sent to me as it was not made as described which was exact fit perfect custom bespoke suit to my measurements which is not what I received which Is why I can not wear the suit as sent and as of this complaint this matter has not been resolved as the merchant has not responded when sent the invoice that they agreed to pay and I also offered to ship the suit back for a full refund but the merchant has yet to provide a shipping label. Also per XXXX, the merchants website has been taken down due to XXXX investigation into their business practices. This matter is unresolved and chime has not handled this matter as it should have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
Acquired my private information without consent. Violation of the Privacy Act of 1974. Reporting a certificate of indebtedness which is income that isnt supposed to be reported into my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: OR

Complaint narrative:
In late XXXX I received billing statements for a medical service from " XXXX XXXX '' claiming I had incurred a medical service expense of {$310.00} in XX/XX/XXXX, and that a medical insurance company had made an " adjustment '' in XX/XX/XXXX and claiming that as a result I now owed {$260.00}. I went to the company 's Contact Us website www.gohealthuc.com and posted the questions below and never received a response. 

Questions asked : What were the services delivered on XX/XX/XXXX for which I was charged {$310.00}? 
What insurance company made a payment of {$260.00} on XX/XX/XXXX? 
What insurance company made an insurance adjustment ( {$310.00} ) on XX/XX/XXXX, which is a year-and-a-half after the original service date? 
What is the reason for the insurance adjustment on XX/XX/XXXX? 

I subsequently received a billing statement from a " debt collector '' called ARstrat claiming they were collecting the same debt. I sent them a letter in the mail with the same questions above, but never received a response. I then received a second collection notice, and called the phone number provided for Customer Support ( XXXX ) XXXX. I received an automatic/robot which asked for my social security number in order to process my inquiry. When I declined to input my SSN, the robot said their offices were closed and hung up. I believe this whole thing to be a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: DISCOVER BANK
State: VA

Complaint narrative:
On XX/XX/2021 a charge was made on my discover card in the amount of XXXX At the time my ex-girlfriend lived with me and was using my personal information to obtain credit card and use my cards for a fee for her associates to support her addiction. I became aware when I received a letter with a pin number for a XXXX credit card that I never applied for. Since I did not know the extent of the damage, I contacted XXXX who forwarded me a detailed credit report. It was a long process to get those opened cards closed. However, discover has been nothing but difficult with getting that large purchase removed. The more I tried the more Discover Card penalized me by lowering my credit limit and increasing my APR. Not only have I been suffering by trying to pay the high interest on a purchase I never made, but It has also made my utilization higher in which ruined my credit score. I also have another credit card from Discover not opened by me that I was lucky to have closed yet it has also affected my score. I had to take out a loan recently to have discover paid off in full because with the interest and fees I have paid them twice for that fraudulent purchase that I received not benefit from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: WA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 non-monetary relief