vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
didnt recieve all the information i requested. the following is what was asked in my validation letter VALIDATION AND CEASE AND DESIST Re : Name : Address : Account # : Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR. 
VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR. 
PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR. 
PLEASE SHOW 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 VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: EQUIFAX, INC.
State: NY

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 explanation
Consumer complaint received 2024-09-25 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: TX

Complaint narrative:
I write to you with deep concern regarding the unauthorized inclusion of information in my consumer report, a clear violation of 15 U.S. Code 1681b. This letter serves as an official dispute, urging your agency to conduct an immediate and thorough investigation into this serious breach of my rights. 

Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account # : XXXX I believe the above accounts are reflecting inaccurate late payments. I expect a thorough investigation as mandated by the Fair Credit Reporting Act ( FCRA ). 
However, in your prior responses, the agency claimed these accounts were " verified '' without providing the actual sources or evidence of their verification process. According to FCRA 611, I request that the credit reporting agencies reinvestigate the items in my initial complaint. Specifically, I am asking you to : Provide the source of information they relied upon to verify the accounts. Confirm whether they contacted [ XXXX XXXX XXXX XXXX regarding the late payments, as this is crucial for establishing the accuracy of the contested items. I am writing to dispute the accuracy of the information contained in my consumer credit report. Upon recent review, I discovered entries that violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which mandates the maximum possible accuracy of information in a consumer 's file. The entries in question were reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681 ( 2 ) of the FCRA.

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 2024-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
IDENTITY THEFT REPORT AFFIDAVIT name : XXXX XXXX address XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/XXXX last XXXX XXXX : XXXX I make the following declarations under the penalty of perjury There are fraudulent accounts, inaccurate personal information, and unauthorized hard inquires appearing on my credit report and i want them removed immediately because they do not belong to me! i wrote Transunion, XXXX, XXXX and the companies listen in the affidavit numerous times " DEMANDING '' that they " PROVIDE ME WITH PROOF '' of the original contracts, which contain my " WET SIGNATURE '' PER, the FCRA SEC.609.

I also requested that they remove all of the hard inquires that they put on my credit reports without my written authorization or consent. PER. FCRA BEO.604 I HAVE THE RIGHT TO PRIVACY! and although i made these request more than 30 days a I still have not received any response or relief, according to the law, ( 15 USC 1681 ) it is the credit bureaus an the data furnishers grave responsibility to insure maximum possible accuracy! thee fraudulent accounts, inaccurate personal informatic and unauthorized hard inquires are steal appearing on my credit reports, and it's hurting my ability to obtain credit. 
XXXX XXXX XXXX, XXXX, Opened XXXX, Balance XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, opened XXXX, Balance XXXX XXXXXXXX UNATHORIZED HARD INQUires : XXXX XXXX XXXX, XXXX  opened, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX opened, XXXX XXXX, XXXX, XXXX, Date opened, XX/XX/XXXX XXXX XXXX XXXX XXXX, Date opened, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Date opened, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, Date opened, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date opened, 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 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BMO BANK NATIONAL ASSOCIATION

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against BMO regarding my credit card application mishandling. On XX/XX/year>, I called BMO to apply for a credit card, and the application process took approximately an hour and a half to complete over the phone. However, I have not received any confirmation or response regarding my application. 

I contacted BMO multiple times to follow up on the status of my application and even submitted a formal complaint ( Case Number : XXXX ). After conducting an internal investigation, BMO informed me that, according to their records, I never applied for the credit card. This is untrue, and BMO has asked me to submit a new application. 

Furthermore, BMO revealed that they used a third-party vendor during the application process, something I was never informed of. Throughout the call, I believed I was speaking directly to a BMO employee. This lack of transparency is deeply disappointing and adds to my concerns about how my application was handled. 

I find this response unacceptable, as I have already spent significant time completing the initial application on XX/XX/XXXX. Given that BMO records all phone calls, I request that the CFPB assist in ensuring that BMO conducts a thorough investigation into this matter, including reviewing the recorded phone conversations from my original application. It is unreasonable to ask me to go through the entire process again when the fault lies with BMO 's systems or processes. 

I would appreciate any assistance in resolving this issue and ensuring that BMO takes the appropriate steps to address this matter. 

Thank you for your time and consideration. 

I also attached the phone history from XX/XX/XXXX for your reference.

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 2024-09-25 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: AZ

Complaint narrative:
On XX/XX/year>XXXX  I sent Equifax, XXXX, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: AZ

Complaint narrative:
On XX/XX/year> I sent XXXX, Experian, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue

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 2024-09-25 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year> a Kohl 's charge card was taken out in my name I had no knowledge of this at all, A credit limit of XXXX dollars was given to the person who opened the card up in my name. So because of this I have a past dew amount of XXXX dollars. I have been to dispute this account and I have had no luck with it. My credit report is extremely messed up because of this and I would like to have it removed from my credit report as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$2500.00}, XXXX XXXX XXXX XXXX XXXX {$7600.00}, XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$4200.00} XXXX XXXX XXXX balance {$8900.00}, XXXX  balance {$280.00}, XXXX XXXX balance {$0.00} XXXX XXXX XXXX XXXX balance {$1100.00}, XXXX XXXX XXXX XXXXXXXX reference # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$2500.00}, XXXX XXXX XXXX XXXX XXXX {$7600.00}, XXXX XXXX XXXX XXXXXXXX XXXX {$4200.00} XXXX XXXX XXXX balance {$8900.00}, XXXX balance {$280.00}, XXXX XXXX balance {$0.00} XXXX XXXX XXXX XXXX balance {$1100.00}, XXXX XXXX XXXX  XXXX reference # 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 2024-09-25 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: WA

Complaint narrative:
On XX/XX/XXXX, I noticed a list of charges from looking on my Chase checking account on my phone that were foreign. They began on the XXXX of XXXX with the line items titled " XXXX XXXX XXXX XXXX XXXX and either XX/XX/XXXX or XX/XX/XXXX after it. There were eight of those transactions and other lines that were foreign transaction fees that were over XXXX dollar, multiple of them. The XXXX transactions totaled {$330.00} and neither my husband or I have ever used XXXX or have it downloaded on our devices. 

I called Chase to report it to the fraud line and they saw the transactions, said it was related to XXXX pay on my husband 's device. We immediately removed and unlinked XXXX XXXX from my husband 's phone. We also got new debit cards and changed our checking account numbers from Chase. 
He was surprised that occurred as well because he was working from XXXX to XX/XX/XXXX that week and made transactions at his XXXX XXXX XXXX XXXX XXXX  and was working if he used XXXXXXXX XXXX, it was at the XXXX XXXX 's he was working at. Thankfully, Chase reversed the amounts to return to us. 

We also have XXXX Identity Theft protection so I contacted them and XXXX XXXX XXXX has been the restoration specialist graciously assisting us. 
On XX/XX/XXXX, the transactions were taken back out of our account and I called Chase again because I have no idea who did it. They said it was due to my husband 's XXXX XXXX and we would need to send a letter saying we did not do it because they authorized the merchant who the transaction was related to. My husband and I went to the banker at chase bank and wrote a letter and submitted his hours at XXXX XXXX 's since the transaction was related to XXXX XXXX and proved we didn't travel outside the state nor made any online purchases that were related to outside Washington. 

I talked to XXXX XXXX from XXXX again and she told me to filed a police claim for fraud and on identitytheft.gov. I did both those things and last week on XX/XX/XXXX, XXXX XXXX and I called the claims department who sent the letter from Chase and XXXX XXXX was asking about the IP ADDRESS see if another device was used to make those unauthorized purchases and they were not able to find results. XXXX XXXX asked me to file a claim to CFPB and submit the letter from chase describing their lack of ability to restore our stolen money and the transactions were related to a sporting goods store for the merchant description that we have not shopped for anything sporting goods related, nor have anything to do with instpay or XXXX XXXX. Thank you for your investigation and assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UPGRADE, INC.
State: PA

Complaint narrative:
On XX/XX/2024 validation notice was sent to XXXX requesting information under 15 USC 1692g Sec. 809 ( b ) of the FDCPA This noticed was received on XXXX  by XXXX XXXX. 



It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Name and address of alleged creditor.

Name on file of alleged debtor.

Alleged account number.

Address on file for alleged debtor.

Amount of alleged debt.

Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful I would like more information about your firm before I discuss the debt with you.

Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.

Please provide the name and address of the bonding agent for your agency in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 

Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have tried since XX/XX/year> to receive a replacement card for a {$500.00} gift card that I lost and never used. 

In XXXX, I received a letter from the XXXX XXXX XXXX XXXX XXXX XXXX saying that their " records indicate that you may be entitled to funds remaining on an XXXX XXXX XXXX XXXX XXXX. '' Those funds amount to {$500.00}. To receive the funds, I was to fill out a form and send a copy of my ID and proof of address in. I filled out the form, provided the proper verification documents, and mailed it in. I never received a response. 

On XX/XX/XXXX, I called the number on the form : XXXX. This transferred me to the third party group that manages the gift cards -- Incomm. After this call, they told me to send the same documentation via email to XXXX and then they would be able to reissue the card. I sent : copy of ID, proof of address, and receipt of gift card purchase. I received an automated response that they received the documents. 

On XX/XX/XXXX, I emailed to follow up with them. I received a response on XX/XX/XXXX where they said that the documentation was wrong and to call if I had any questions. I immediately called them to figure out what was wrong. They asked me to resend the documentation. I did -- now for the third time. 

On XX/XX/XXXX, I received an email saying there was an update in the case and to call them. So, I called them. I spoke with a man named XXXX, who said to resend the documents. He said that he will immediately take care of this and the card will be shipped out and received in the next 30 days. I resent the documents -- now for the fourth time. 

On XX/XX/XXXX, I received another email saying that my proof of address was wrong, and to send a new proof. I sent another utility bill. 

On XX/XX/XXXX, I called as I still hadn't received a card in the mail. I spoke with Deejay, who at first tried to tell me that someone else had been calling them regarding my card and that if I could not verify the name of that person, I would not get my card. Seeing as I am the only person that knows about this card, I could not verify any one that would have called. He then also claimed that a replacement card had been shipped out three time previously. After a while, they finally assured me that my card will be shipped out via XXXX, and I will receive it in the next 3-5 business days. 

It is now XX/XX/XXXX, and I have not received the card. I will be calling again today to see where my card is, but I expect the same tricks -- wrong documentation, people calling about the card, they shipped it out months ago and I haven't received it, etc. 

I am shocked that XXXX XXXX would outsource their gift card administration to a company as shady as Incomm. This process should have taken no less than 3 weeks. We are now going on four months of trying to receive a replacement card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
Debt collector attempting to collect a debt that is not owed. This item has been placed on my credit report. This had a great impact on my credit. The amount that is being added is over {$1100.00}.

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 2024-09-25 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: TX

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

"

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