vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. These addresses were used to open accounts in my name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the accounts in my name that stems from the identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX A copy of an FTC report listing the ACCOUNTS, ADDRESSES AND INQUIRIES opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addressesand inquiries. The aforementioned inquiries and addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission and also a Police Report from the XXXX  XXXX XXXX demonstrating that the Addresses, Accounts and Inquiries listed above are all the product of fraud and identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit card — Store credit 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: Sezzle Inc.
State: NV

Complaint narrative:
On XX/XX/year>, I placed an order for {$290.00} at XXXX XXXX XXXX using sezzle. XXXX XXXX  cancelled my order and therefore I never received any items from said order. 

Sezzle would not stop charging me installments for this order. Now they refuse to remove the negative information from my credit report saying I owe money for an order I never received. Their support just refers me to the collections agency, XXXX, who has ceased collections due to me not getting the order. Sezzle still refused to remove the negative information from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a Capital One card and XXXX XXXX  was automatically billing me XXXX per month and the bill was sent by email paperless which I did not ask for and will never let happen again. My email server was XXXX XXXX is no longer in business and was informed this address was no longer good so I changed to XXXX. I had changed the automatic bill to my XXXXXXXX XXXX XXXX but charges for XX/XX/2024 XXXX were put on card XX/XX/2024 XXXX XXXX intrest XXXX no XXXX bill XXXX fee XXXX XXXX interest XXXX XXXX fee XXXX interest XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 credit account XXXX. I guess they wrote it off and put restricted on account. All because of paperless billing and I had overlooked address as I did not plan on using this card now. Tried to call Capital one and ask to help get my credit score back to XXXX and could not get anything accomplished no plain XXXX XXXX people I could understand nor I don't see how they understood me. This lowered my score XXXX XXXX. Every account they track me on says paid in full never late. Capital one had my phone number and did not to attempt to notify me. This has ruined my credit score!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXXXXXX XXXX XXXX # XXXX 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 a 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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:
My account with this XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Subject : Disputed Inquiry on Consumer Report I hope this message finds you well. I am writing to bring to your attention an issue I have discovered while reviewing my consumer reports. Upon inspection, I noticed an inquiry on an account that I have never associated with or initiated. 
This inquiry appears to be a mistake and is impacting my credit report unfairly. Despite my efforts to rectify this directly with the credit reporting agencies, I have not received any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I recently did a review of my credit report and noticed I had fraudulent accounts on my report. I disputed the account but it remains on my credit report. Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly detrimental to my credit score PORTFOLIO RECOVERY Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Since XX/XX/XXXX I have been unable to access my Equifax consumer file. I have verified myself using address, phone, and unique code that was sent to my personal mobile device ; however equifax will not release my credit file and whenever I attempt to login online as of XX/XX/XXXX the file states to contact Equifax and provide the error code : XXXX which I have done and each time they have advised me to mail my social security card in the mail which is unsafe for identity protection to place a copy of my social security card in the US Mail, they have not provided any alternative electronic means to provide documents in a secure manner. 

This issue was caused by Equifax who placed an unfair block on my credit file for no reason at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: NJ

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-08-19 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:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My uncles father gave me a check of XXXX and wrote my XXXX nickname on the check which is XXXX and that name stands for XXXX which is XXXX in XXXX they froze my check it already came out of his account and they are holding the money saying I need a birth certificate that thats my name the issue is its just a nickname. They dont want to give the money back to him either or give me the money. They refuse to listen to anything and they closed my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
My capital one banking checking account and savings account were both closed because of XXXX payments. All money in both accounts are legal and mine. I have over {$1400.00} total thats being held and Im a single mother of XXXX, thats all we had saved & I can not pay my rent without that money, I dont know when I will receive a check but I hope this helps me get the funds faster because this is really putting me in a messed up situation.

Thank you so much I hope you can help me Resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OPTUM BANK, INC.
State: NY

Complaint narrative:
As of today. Optum Temporary Funding has continued to deny me access to my loan application and/for its concideration for value. I am being told again that i will not be provided with any reason or justification for the denial in writing. It has been over 30 days since i have made those request and Optum has not lawfully answered, replied or rebutted. Under the maxins of Uniform Commercial Code law and principles, all matter is dissolved in my favor. Therefore, Optum is left without recourse except to immediately issue application and or security value to me on behalf of XXXX XXXX as remedy. 
Optum has failed to provide a valid reason for the denial and is illegally holding my application and its security value. I was again inform by the representative that Optum has terminated my application and that representative ( s ) are under strick instructions to not provide me with any information or futher detail. This is a willful denial of my My rights and a direct and wilful proclaimation of continued adverse actions againts me. At this Juncture of time I am Reserving all my rights as on the authority of The UCC, FTC, FCRA, CFR, USC, and TILA but not limited to such. 
As of today. I am a formally presenting Optum with terms of retal of my application security ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: IL

Complaint narrative:
I always make my payments on time. I'm confident about that. What confuses me is why this company is marking me as late on some months when that shouldn't happen. According to USC 1666b, any billing mistakes should be fixed and marked as paid on time.

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 2024-08-19 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: MS

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I wrote to formally address the communication where I did not receive anything from RESURGENT CAPITAL SERVICES regarding the alleged debt they claim I owe. This is considered willful misconduct. I believe that this communication contains false or misleading representations and involves unfair practices that violatethe Fair Deb Collection Practices Act. ( FDCPA ) Firstly, I requested validation of the debt as mandated by the FDCPA. Also asked to provide me with the following information. 

1. Verification of debt including amount owed and how you calculated 2. A Copy of the Contract or Purchase Agreement that legally binds me to this debt 3. Prof that you own or have been assigned the debt. XXXX XXXX  with the original creditor 4. Detailed information on any payments made and any late fees assessed. Date of last payment 5. The insurance claim of debt 6. Statute of limitations Additionally, I have concerns regarding the manner in which the debt was represented to me. Specifically, I believe the information that was provided lacks clarity and may mislead me regarding the true nature of the debt and my obligations. This misrepresentation could constitute as an unfair practice as it does not accurately reflect the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
i checked my credit recently and This collection account list the following company as the creditor ( MIDLAND CREDIT MANAGEMENT , INC. ). 
This company is NOT the creditor, I never contracted with them, and I sent certified letters to them to immediately correct my report and remove this fraudulent account. 

they are abusing my rights and i never received a letter from them and if they did ( i honestly do not recall receiving one or i would have for sure dispute it ) so my potential failure to dispute the validity of this alleged debt can not be construed as admission of liability by any court ( 15 usc 1692g. ( a ) ( c ) as i just found out looking at my credit online. this is stressing me greatly! 

I sent Notice & Demand for validation of debt, Dispute letters, see attached This account is to be removed immediately! it is affecting harshly my credit worthiness i work so hard for. 

MIDLAND CREDIT MANAGEMENT , INC.- Last reported XXXX XXXX Reported balance {$1800.00} Thank you for your help getting me proper remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to Trafficking-Debt Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and delete company information from XXXX. Please delete the following accounts. XXXX XXXX XXXX bal. {$320000.00}, XXXX XXXX XXXX {$5000.00} and XXXX XXXX bal {$8400.00}.

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 2024-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Got a check from ( XXXX  ) XXXX XXXX XXXX XXXX. Endorsed it too my family member account navy federal we called before we did they say everything ok then we got a date the check was clear and cashed XX/XX/XXXX funds never came. We called fraud too see why they were asking what Im going too do with the funds and Im too young too have theses funds so it look like fraud and said Im going to have too close the account asked for a hire up he said he was the hire up and hung up on us

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation