vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 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: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
I'm filing this complaint XXXX. 
They have not closed this account as a write-off yet, cleared it from my credit report, or sent me a letter regarding this. 

XXXX Last reported XX/XX/XXXX {$5500.00} Reported balance Credit limit {$4400.00} You're using 124 % of your account 's limit OVERVIEW Credit limit {$4400.00} Minimum monthly payment -- Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 64 % of payments on time Current red_status Not current Last payment XX/XX/XXXX Payment status In Collections/Charge-off Amount past due {$5500.00} Worst payment status XXXX days late ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Individual Remarks Profit and loss write-off Account closed by credit grantor Account closed by credit grantoXXXX XXXX XX/XX/XXXX days late XXXX Closed and still claiming the best selling it off to creditors. 
XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. it shows one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XXXX XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-12-22 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Netspend Corporation
State: MI

Complaint narrative:
I wasnt able to make a purchase and when I did I started getting over charged on my Netspend card

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 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been a loyal customer of Bank of America for over XXXX. I am recently a victim of Fraud/Scam where I lost a lot of my retirement funds. Bank of America should have been monitoring my account more closer for increased withdrawal activity and unusual larger amounts of funds being withdrawals and contacted me in regard to the withdrawals. I reported several unauthorized transactions that I didn't authorize, nor was aware of at the time and they investigated and told me because they were XXXX transactions there was nothing they could do, other than tell me they were sorry & thanks for doing business with us for over 40 years. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were both unauthorized charges. I am retired and on a fixed income and I need my funds. The account is closed now, but I had it over 40 years. I sent them various reports I filed the police dept & the FBI.

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 2024-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Transferred {$5200.00} to XXXX XXXX credit card and the payment posted to XXXX XXXX on XX/XX/year>. The funds are still stuck in the Wells Fargo account.

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 monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that 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 or continue to report invalidated information to any of the three major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX, this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such 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 legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: MO

Complaint narrative:
I was charged upfront fees for Lexington law for service I didnt get

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
MY ACCOUNT XXXX XXXXXXXX Hope everything good I'm just lettin you know Im disputin that debt under the Fair Debt Collection Practices Act This aint me askin for no more proof or paperwork Im just tellin you straight up I dont agree with it If you got ta reach me do it through email only Monday to Friday XXXX to XXXX XXXX XXXX time Dont try no live calls or voicemails and dont be sendin no mail XXXX XXXX  none of that its just a hassle Appreciate you understanding

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to dispute an inaccurate item on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). The account referenced above is reported as charged off, yet it also shows an outstanding balance. This reporting is both inconsistent and potentially misleading. 

According to standard accounting practices and regulatory guidance, when an account is charged off, the creditor has written off the balance as a loss. Reporting both a charge-off and an outstanding balance is improper, as the debt is no longer active on their books. This error adversely affects my credit standing and must be corrected immediately.

To support my claim, I am requesting the following : 1. Verification of the balance being reported.

2. Evidence that the creditor has retained the right to report a balance on this charged-off account. 

If you are unable to verify the accuracy of this account or the reported balance, I demand that this account either be updated to reflect a {$0.00} balance or removed entirely from my credit report. 

I have enclosed documentation relevant to this dispute : [ Include any receipts, account statements, or correspondence related to the charge-off or balance dispute. ] As required by law, you have 30 days to investigate and resolve this dispute. Please confirm receipt of this letter and provide written documentation of your findings once the investigation is complete. 

Failure to resolve this matter promptly will result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal action to protect my credit rights. 

I expect your swift attention to this matter. Thank you for your cooperation.

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 2024-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank provided a string of fraudulent withdrawals from my Chase Checking account using XXXX, to an unknown user, to {$6700.00} Repeatedly withdrawing {$150.00} at a time continuously, one after another until the account was cleaned out. I was on the phone with Chase while it was happening and they did nothing but apologize until it was depleted. 
I launched multiple investigations into the fraud, and they eventually replied back that there was nothing I could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: FL

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
MY ACCOUNT XXXX XXXXXXXX Hope everything good I'm just lettin you know Im disputin that debt under the Fair Debt Collection Practices Act This aint me askin for no more proof or paperwork Im just tellin you straight up I dont agree with it If you got ta reach me do it through email only Monday to Friday XXXX to XXXX XXXX XXXX time Dont try no live calls or voicemails and dont be sendin no mail XXXX XXXX none of that its just a hassle Appreciate you understanding

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Absolute Resolutions Corp.
State: PA

Complaint narrative:
Subject : Cease and Desist Request Under FDCPA Section 1692XXXX ( c ) | Account Number : XXXX To Whom It May Concern : This letter serves as a formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692c ( c ), that you immediately cease and desist all attempts to collect the alleged debt associated with the account number XXXX. You are prohibited from contacting me by any means, including phone, email, postal mail, or other forms of communication, except as permitted by law to notify me of the termination of collection efforts or any legal action you intend to pursue. 

In addition, I request full validation of this alleged debt to ensure its accuracy. If you intend to assert that this debt is valid, you must provide the following documentation : 1. A complete account history, including itemized charges, fees, and payments made on the account.

2. Evidence that Absolute Resolution Investments has the legal authority to collect this debt. 
XXXX. A copy of the original signed agreement that created this debt. 

Failure to provide the requested documentation substantiating the validity of this alleged debt will be considered further evidence of unlawful and deceptive practices. 

I also remind you of the legal precedent set in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which held that reporting a debt to credit reporting agencies constitutes a form of communication under the FDCPA. Any continued reporting of this alleged debt to credit bureaus without proper validation will be considered a violation of the FDCPA. 

Please be advised that noncompliance with this demand or any continued attempts to collect this alleged debt without proper validation may result in legal action being taken against you. I reserve the right to pursue all remedies available under federal and state law, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), state regulatory agencies, or initiating a lawsuit for damages and attorneys fees as permitted under the FDCPA. 

I expect written confirmation within 15 days of receipt of this letter that you will comply with my cease-and-desist request and provide the requested documentation if you claim this debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This company is emailing me repeatedly everyday. I asked the company to stop contacting me because I am not reliable for the debt because the debt was sold and the company received a tax write off for the debt!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
JPMCB Chase card added the same hard inquiry to my credit report twice. XX/XX/XXXX and it was duplicated on the XXXX of XXXX. There should only be 1 inquiry not two. Information is showing up on my XXXX credit report and probably others.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Account Number : XXXX To Whom It May Concern, This letter serves as formal notice under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), to cease all communication with me regarding the above-referenced account. This request applies to any and all forms of communication, including but not limited to telephone calls, text messages, emails, letters, and any other medium of communication. Additionally, this directive explicitly includes any communication via my consumer report, as defined by the term " communication '' within the meaning of 15 U.S.C. 1692a ( 2 ).

As per the FDCPA, once a debt collector receives a written request to cease communication, they are required to comply, except to notify the consumer that further collection efforts are being terminated or that specific actions may be taken as allowed by law. Any further communication in violation of this request will be reported to the appropriate regulatory agencies, and I will pursue all available legal remedies. 

This letter is not to be construed as an acknowledgment or validation of any alleged debt. Please provide written confirmation that you have received and will comply with this cease-and-desist request. 

Thank you for your immediate attention to this matter. 

Sincerely, [ XXXX XXXX All Rights Reserved Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Account Number : XXXX This letter serves as formal notice under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), to cease all communication with me regarding the above-referenced account. This request applies to any and all forms of communication, including but not limited to telephone calls, text messages, emails, letters, and any other medium of communication. Additionally, this directive explicitly includes any communication via my consumer report, as defined by the term " communication '' within the meaning of 15 U.S.C. 1692a ( 2 ).

As per the FDCPA, once a debt collector receives a written request to cease communication, they are required to comply, except to notify the consumer that further collection efforts are being terminated or that specific actions may be taken as allowed by law. Any further communication in violation of this request will be reported to the appropriate regulatory agencies, and I will pursue all available legal remedies. 

This letter is not to be construed as an acknowledgment or validation of any alleged debt. Please provide written confirmation that you have received and will comply with this cease-and-desist request. 

Thank you for your immediate attention to this matter. 

Sincerely, [ XXXX XXXX All Rights Reserved Without Prejudice

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 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Yes XXXX XXXX XXXX has on 6 occasions tried collecting on a credit card account that is past the state of Colorado 's status of Limitations - this debt XXXX with Citi Bank Costco the debt was 8 years ago and has fallen off my credit because of the statue of Limitations XXXX XXXX is violating my consumer rights and breaking the law with their repeatedly abuse of the collection process. 

this account is XXXX XXXX XXXX and has official fallen out of the statue of limitations They are violating The Statue of statue of limitations for federal & state FDCPA 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