vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-24 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: CA

Complaint narrative:
XXXX of this year 2023 I received a statement of some sort from XXXX XXXX services. My eyes popped out of my head when my son opened it and said mom XXXX says you owe them money {$4300.00} unpaid balance my jaw dropped. Last year I sued XXXX  XXXX XXXX and won same type of circumstances. I owe nothing to XXXX I've never even stepped foot into a XXXX. I don't own Credit Cards I have XXXX to my name. I own a debit visa card that's it and that's all i want and need. I pay cash. I'm XXXX XXXX XXXX with serious medical issues and this is the last thing I need affecting my life. But trust me not the Lord Jesus Christ will have them pay for all the grief and sarcastic tone their employees give me over the phone. This is elder abuse to the 5th degree. XXXX is a fraudulent institution who's been sued by many elderly people for fake bills, and steeling from us hard working people that are retired. I will fight this into the courts like I did with XXXX XXXX XXXX you might be a big company trying nto steel from  the little people but your not ruining my credit and my good name. Take these letters and forward them to the correct people stop harassing me sending me mail calling I will definitely sue for 10 times or 20 times the amount. I call them on the phone I get yelled at because their asking me questions I can't answer because I don't do business with them, if i new the XXXX digit card i would give it to the representative. They basically laugh at me a form of intimidation. My question to XXXX is STOP fix my credit and I'm suoing you for elder abuse. Im contacting state attorney general office, gavins office im going to blow this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: CA

Complaint narrative:
XXXX of this year 2023 I received a statement of some sort from XXXX XXXX services. My eyes popped out of my head when my son opened it and said mom XXXX says you owe them money {$4300.00} unpaid balance my jaw dropped. Last year I sued XXXX XXXX XXXX and won same type of circumstances. I owe nothing to XXXX I've never even stepped foot into a XXXX. I don't own Credit Cards I have XXXX to my name. I own a debit visa card that's it and that's all i want and need. I pay cash. I'm XXXX XXXX XXXX with serious medical issues and this is the last thing I need affecting my life. But trust me not the Lord Jesus Christ will have them pay for all the grief and sarcastic tone their employees give me over the phone. This is elder abuse to the 5th degree. XXXX is a fraudulent institution who's been sued by many elderly people for fake bills, and steeling from us hard working people that are retired. I will fight this into the courts like I did with XXXX  XXXX XXXX you might be a big company trying nto steel from the little people but your not ruining my credit and my good name. Take these letters and forward them to the correct people stop harassing me sending me mail calling I will definitely sue for XXXX times or XXXX times the amount. I call them on the phone I get yelled at because their asking me questions I can't answer because I don't do business with them, if i new the XXXX digit card i would give it to the representative. They basically laugh at me a form of intimidation. My question to XXXX is STOP fix my credit and I'm suoing you for elder abuse. Im contacting state attorney general office, gavins office im going to blow this up.

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 2023-09-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
15 USC 1681b ( A ) ( 3 ) ( A ) Remove these hard inquiries from my credit report immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: Nelnet, Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: IL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Alleged debt was purchased by this collection company and on XXXX  I made a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, asking LVNV and Resurgent Capital Services to provide a list of documents they never provided. Instead, a simple statements ( or more ) were sent, along with a letter ( Not certified by any entity ) that explain how they purchased this alleged debt. Anyone can sit in front of a computer and type such letter. 

All the requested documentation was never provided and 30 days had passed. Collection needs to cease right away. 

I gave them 30 days to respond to such request and they haven't. I'm attaching this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These hard inquiries are unauthorized and they are not related to any transaction by me. I want these hard inquiries removed. 

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 2023-09-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
These hard inquiries are unauthorized and they are not related to any transaction by me. I want these hard inquiries removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one customer rep didn't correctly enter my new bank payment info prior to payment date. They tried to take the money from a closed bank account. 
I made a call and paid the bill as soon as I received an alert of a returned ACH payment, I called very upset and set up auto payments again viu a customer service repXXXX All late fees and interest charges were waved and they apologized for the error. 

Next billing cycle, capital is asking me to pay the 'stmt amount '. Statement includes the returned payment, but not the new payment made. Capital requests I pay again the payment amount + late fees and interest charges that were waved. 

They demand I pay the whole statment amount that is outdated. Statment is XXXX dollars, current balance is XXXX XXXX XXXX XXXX XXXX. Current balance is a running balance that has the payment applied and fees and interest waved. 

Called customer service, but they say I have to pay the statement amount that has late fees that were waved because I agreed to pay full statement amount when I enrolled into auto payments when they entered my new bank info. No record of any calls between me and customer service rep about bank changes made in XXXX. No record of who waved the fees, no adaquate notes explaining the issue was caused by error made by capital employ .... 

Asked if they have a record of the fee waved, they do but can't trace it to why it was done. 
Asked them to tell me my corrected balance due for the statment ending XX/XX/XXXX, customer service says its XXXX because that's what the statment *says*. Current balance owned to date is XXXX dollars. Capital wants the uncorrected balance and late fees +interest or, per customer service rep, I will be responsible for additional late fees and interests. 

Asked to file a complaint, customer rep says she will, but it will be internal and I will not know the outcome. I asked who can I file a complaint with that will share the investigation outcome with me, she says she doesn't know. 

Call was 1 hr and 4 min on XXXX XXXX XXXX XXXX.it was recorded. 

The customer service people who handled my call were unskilled, and were attempting to use fradulant and deceptive practices to charge me interest and late fees on a payed balance. 

The whole ordeal is affecting my excellent credit score..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Credit Karma, LLC
State: IN

Complaint narrative:
I am homeless. My phone and wallet were stolen. I had a new card issued and direct deposit set up with credit karma and they accepted my funds on an account that is not active. Now they refuse to give me access to my money and kept my money. They refuse to close my account. Why would credit karma accept my employers direct deposit of my pay knowing they have my account locked and inaccessible to me. They absolutely refuse to give me my money and I worked for it. I am homeless and want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Alleged debt was purchased by this collection company and on XXXX I made a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA, asking XXXX and Resurgent Capital XXXX to provide a list of documents they never provided. Instead, a simple statements ( or more ) were sent, along with a letter ( Not certified by any entity ) that explain how they purchased this alleged debt. Anyone can sit in front of a computer and type such letter. 

All the requested documentation was never provided and 30 days had passed. Collection needs to cease right away. 

I gave them 30 days to respond to such request and they haven't. I'm attaching this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: NY

Complaint narrative:
I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations.According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly.I am willing to grant you one final opportunity to process my request concerning my identity theft. 

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 explanation
Consumer complaint received 2023-09-25 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: NJ

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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 1681-s2 ( 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 2023-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX, I received a collections letter from Jefferson Capital with reference number XXXX. This letter claims a debt originating from XXXX XXXX XXXXXXXX account number XXXX, dated XX/XX/XXXX, in the amount of {XXXX}. I would like to state that I have no knowledge or record of this alleged debt. 

Furthermore, as per Section 16.004 of the Texas Civil Practice and Remedies Code, the statute of limitations on debt in Texas is four years. Considering this, the mentioned debt is well beyond the allowable timeframe for collection. 

I am unclear about the origin of this debt and why I am being contacted regarding this matter. Please provide a detailed validation of this debt, and if it's determined to be inaccurate, kindly ensure that all records related to this claim are corrected or removed. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: MO

Complaint narrative:
Even after make a complaint I still was not allowed to access my own credit bureau file they say I can not XXXX  verified

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: MO

Complaint narrative:
Even after make a complaint I still was not allowed to access my own credit bureau file they say I can not XXXX  verified

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 2023-09-24 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: PA

Complaint narrative:
I am not in school so I dont why a student loan is open. I never opened these accounts so therefore I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2023-09-24 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I paid for an American Express Pre-paid Gift cards on or about XXXX XXXX in the value of {$75.00}. The card had charges on it before I even received the card in the mail. I attempted to communicate with American Express to advise that AMEX needed to send a replacement card. Amex said that they disclaimed all liability! In fact, I could not even speak with anyone about the card. I emailed AMEX and a representative wrote me an email and said there was nothing AMEX would do after selling me a pre-paid gift card of {$75.00} with a balance of XXXX on it when I received it. For more than one year, I have been attempting to communicate AMEX about this. AMEX is discriminating against me as a minority woman by selling a pre-paid gift card with a XXXX  balance on it. THIS IS NOT ABOUT A PURCHASE MADE USING THE CARD. THE PROBLEM HERE IS THAT THE PREPAID CARD CAME IN WITH A XXXX BALANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
I did a transfer to XXXX XXXX XXXX from chime. My transfer was declined which I didnt realize I didnt transfer money from my chimes Savings account to my chimes checking account in order for the money to transfer to my XXXX  XXXX account. I did another transfer to XXXX  XXXX correctly. {$1000.00} was transferred to my XXXX  XXXX account and deposited. Chime reversed the transfer from XXXX  XXXX to come back to chime. XXXX sent me a email and I also have my statement. Yet chime is blaming the merchant and saying they never sent the money back to chime which is a lie. Chime has giving me too many stories about my money. Chime owes me {$1000.00} and dont want to give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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