vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear I.Q. Data international inc., This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize.

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I reported to Capital One that I had these unauthorized charges on my debit card : 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 I reported these unauthorized charges to Capital One on XX/XX/XXXX. I was given temporary credit while they investigated my disputed transactions. 

On XX/XX/XXXX Capital One denied my claim. 

On XX/XX/XXXX, Capital One reversed my credit they had given me while investigating. 

I called Capital One on XX/XX/XXXX to understand why there was a credit reversal and they told me they had made the decision that these charges were not unauthorized. I asked them to give me more info about where the charges were from or how I could contact the places that had charged me. I asked them if they could give me a location of the places so I could confirm if I had ever been there. The names of the places that made the unauthorized charges were very generic like " STORE, XXXX XXXX, and XXXX XXXX XXXX XXXX ( Places I've never heard of or been to before ). I reviewed the days that the charges had been made and was able to confirm that I did not purchase anything for the charged amounts. I believe the places were named in a way that allowed Capital One to ignore that these charges were actually fraudulent by being named very generically and having a name that corresponds to a place in my general area, like ( XXXX XXXX or XXXX XXXX ). I've never been to an area called XXXX XXXX and I live in the city of XXXX. Others were just named " XXXX  '' or " XXXX XXXX XXXX XXXX', giving no info to be able to identify where the charges were made or what they were for. 

On XX/XX/XXXX, I requested the documents Capital One used to make their decision about my dispute and to reopen my dispute as it was unjust and I did not authorize the charges above. The request was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : details. XXXX XXXX XXXX Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also Known As : - - - Former : - - XXXX XXXX Date of Birth : XX/XX/XXXX XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX PL XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Employers : 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 {$17000.00} open account XXXX XXXX {$17000.00} opened XXXX, XXXX  XXXX {$810.00} open XXXX, XXXX  XXXX {$280.00}, XXXX XXXX  XXXX  {$5500.00} opened XXXX, XXXX XXXX XXXX opened XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: LEXISNEXIS
State: MI

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : details. XXXX XXXX XXXX Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also Known As : - - - Former : - - XXXX XXXX  Date of Birth : XX/XX/XXXX XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Employers : 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  {$17000.00} open account XXXX XXXX {$17000.00} opened XXXX, XXXX  XXXX {$810.00} open XXXX, XXXX  XXXX {$280.00}, XXXXXXXX XXXX XXXX  {$5500.00} opened XXXX, XXXX XXXX XXXX opened XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
I have received several phone calls from an unknown number. Several times tried to reach out to the caller to find out what the calls were about. the calls were always late at night or even in the late evenings. Today as of XX/XX/year> I answered a call from ( XXXX ) XXXX who claimed to be a debt collector, from a " Credence Resource Managment, '' a so-called debt collection company. He made false statements and was unprofessional. I have never seen any mail or calls from the company XXXX so I doubt this accurate. I asked for an itemized list and he refused to mail it. He and his company have no proof of this debt, I would like this to be looked into by your agency. This is my first consumer complaint, please contact me if you need more information. XXXX bless and thank you. - XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-07 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 noticed inquiries on my report that I did not authorize.

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 2024-12-07 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 proof under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist., ( please remove these accounts before I seek litigation for the deamination of character ) XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX  balance {$0.00}.

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 2024-12-07 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: MD

Complaint narrative:
I am writing to file a formal complaint regarding XXXX XXXX and their mishandling of the reporting on my account ( Account Number : XXXX XXXX XXXX XXXX ). XXXX XXXX claims that I missed a payment in XXXX of 2022, an allegation I firmly dispute, as I have maintained consistent and on-time payments throughout my relationship with them. Despite my efforts over the course of several years to dispute this inaccuracy, each investigation conducted by the credit bureaus has concluded that the reported late payment is " verified, '' yet no tangible proof has ever been provided to substantiate this claim. 

Credit reporting agencies are obligated to ensure that all reported information is accurate and substantiated. This repeated failure to provide proof of the alleged late payment is a violation of my rights under the FCRA. XXXX XXXX has not been able to supply the necessary documentation to prove that a missed payment occurred, despite my numerous requests for verification, including the original statement and payment records from that time. 

This willful non-compliance by XXXX XXXX and the subsequent failure of the credit bureaus to address the issue properly have caused significant harm to my credit profile. As a result, I have been unjustly penalized for something that is not only incorrect but unverified. Such negligence has gone on for far too long and is a clear and blatant violation of my rights as a consumer. 

The continued reporting of this erroneous late payment without adequate proof is unacceptable and warrants immediate correction. If the disputed late payment can not be verified with concrete evidence, by law, it must be removed from my credit report. Should this matter not be rectified promptly, other avenues will have to be explored.

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 2024-12-07 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: MD

Complaint narrative:
I am writing to file a formal complaint regarding XXXX XXXX and their mishandling of the reporting on my account ( Account Number : XXXX XXXX XXXX XXXX ). XXXX XXXX claims that I missed a payment in XXXX of 2022, an allegation I firmly dispute, as I have maintained consistent and on-time payments throughout my relationship with them. Despite my efforts over the course of several years to dispute this inaccuracy, each investigation conducted by the credit bureaus has concluded that the reported late payment is " verified, '' yet no tangible proof has ever been provided to substantiate this claim. 

Credit reporting agencies are obligated to ensure that all reported information is accurate and substantiated. This repeated failure to provide proof of the alleged late payment is a violation of my rights under the FCRA. XXXX XXXX has not been able to supply the necessary documentation to prove that a missed payment occurred, despite my numerous requests for verification, including the original statement and payment records from that time. 

This willful non-compliance by XXXX XXXX and the subsequent failure of the credit bureaus to address the issue properly have caused significant harm to my credit profile. As a result, I have been unjustly penalized for something that is not only incorrect but unverified. Such negligence has gone on for far too long and is a clear and blatant violation of my rights as a consumer. 

The continued reporting of this erroneous late payment without adequate proof is unacceptable and warrants immediate correction. If the disputed late payment can not be verified with concrete evidence, by law, it must be removed from my credit report. Should this matter not be rectified promptly, other avenues will have to be explored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I have had my wages garnished by a company called Wheels Financial Group. I have NO such lender on my credit ever. And if this was tied to a XXXX that I traded in they bought out that loan and it was taken care of many years ago. This is absolutely FRAUD! 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The garnishment levied by this company has caused me to lose my apartment as I can no longer afford the rent. 

SHAME on the them! And at the holidays no less!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Larry H. Miller Group of Companies
State: UT

Complaint narrative:
I bought this vehicle for XXXX and prestige is who I got the loan from. I made 16 payments at XXXX a month. XX/XX/XXXX had 60 days to make first payment. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX lXXXX XXXX XXXX  for no reason of my fault. Have a case going with the XXXX about this situation. XXXX and XXXX was put on the back of my loan. XX/XX/XXXX XXXX XXXX and XXXX was behind. In XXXX I was put in there fresh start program and had till XXXX to make 6 payments and they would wipe any remaining balance. Made payment in XX/XX/XXXX and XX/XX/XXXX XXXX XXXX days later they come repossessed my vehicle from the motel I was taking care of a friend who had XXXX  XXXX. So I called the next day to find out why they did that, when they put me in the program and never let me complete it. I think this is a breach of contract and I want all my money back. So they sell my car for XXXX and still say I owe them XXXX. All them payments I gave them was just money I should of just threw in the trash. Cuz nothing came off my loan, and all they did was XXXXXXXX XXXX XXXX. And come take my car that I paid hard earned money for. Why would you do that. I kept in contact daily with these people. At XXXXne point they said I owed XXXX way more then the vehicle was worth. Now there trying to collect money from me. When I don't owe you a dime. You owe me for screwing me over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

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 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 the records of convictions of crimes crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please remove all of the items from my credit report 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 explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello I XXXX XXXX received a request for Proof of physical address for each beneficial owner and Proof of physical address for the authorizing officer on XX/XX/year> for my credit card application reference number XXXX. 

I have uploaded the documents using the link provided in the email however I have not gotten a response from the applications department. 


I am the only authorizing officer and beneficial owner for XXXX, XXXX. I have attached proof of my physical address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX  XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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