vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.. I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2.

I have recently obtained a copy of my credit bureau report. The report showed a credit collection/chargeoff in the name of your company. Be advised this is not a refusal to pay OUTSTANDING Until verification or the result of the investigation is completed and sent to the individual, we are requesting deletion ( XXXX ). If you are unable to provide me with the proper PROOF ; then you must stop attempting to collect this alleged debt and remove it immediately from my consumer reporting agencies ( CRAs ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts You have thirty ( 30 ) days from receipt of this notice to respond, during which time all collection activity must desist. Failure to respond in writing, hand-signed, and promptly, will be considered a waiver to all your claims in this matter, and will entitle me to presume you placed this on my con Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is NOT a printout or bill from you but actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRAs electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: SC

Complaint narrative:
" SEE ATTACHED '' I have recently checked my credit report and noticed some inaccurate accounts reporting on Experian.

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 2024-02-08 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: CA

Complaint narrative:
As of a recent date, I noticed this account/collection on my credit I have no knowledge of, as well as inaccurate addresses and names on my report. I would like the following removed/corrected The correct name for my account should be " XXXX XXXX XXXX XXXX and the correct address should be " XXXX XXXX XXXX XXXX XXXX, CA XXXX '' Aliases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX outdated Addresses XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX the following inquiries were not authorized 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
I do not have any outstanding debts yet XXXX XXXX at TCS Inc. keeps calling every week for the last 3 months. A basic XXXX search says this is a debt collector. They also call from different numbers so maybe this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Tried using the gift card multiple times : Grocery store - declined XXXX - declined XXXX XXXX XXXX - declined XXXX - Declined Very frustrating and embarrassing when the gift card deos n't work on multiple occasions! 

Gift Card XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-08 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: NC

Complaint narrative:
The following accounts were used unauthorized. It affects my credit file and lifestyle. I need help to remove the following accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-08 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: NJ

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-08 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: SC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are extremely adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. I am demanding that if these accounts with inaccuracies be deleted. 
Here are the items I am asking you to verify as accurate : XXXX. XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX. XXXX  XXXX XXXX  ( Account # XXXX ) XXXX. XXXX  XXXX XXXX ( Account # XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) After your investigation is complete, please send me the results via mail. 
Thank you in advance, Best Regards,

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 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/2024, I used spot me to pay XXXX {$96.00} on my checking account. The item was returned by Chime underhandedly without notification, and it created fees and a financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have XXXX XXXX  XXXX I been in and out of the hospital with my XXXXXXXX XXXX someone used my credit cards authorize Im a victim of fraud the cards that was used was my Macys card, capital one, Credit one I did not make the charges and would like them removed from my credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: LEXISNEXIS
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
RE : Need help I need my monies back. all my check has been wiped out. 
XXXXI called to stop some pending transactions. on XXXX  The rep on direct express transferredme to a fraud person on the phone. direct express did stop one transaction. But the rest of the charges went thru {$1200.00} my complete XXXX XXXX check is gone. I did answer all there questions and they sent me a letter with the same questions, I sent back to direct express the letter and still No provisional credit is sent to meNo monies yet very tuff for rent, food, water etc. How do I live with 30-90 wait time for there investigation? team to review These transactions on my card are not pin approved some howmy card number are being used? I read online that alot of people like me are getting the run aroundand alot of there monies are being scammed thru this direct express card. 
Please Help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
There is a checking account that keeps showing up on my report with a completely different social security than mine, I have no knowledge of this account this account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
They did not follow the proper law in regards to reporting a collection account without notice, nor has the collection account proven the account is mine. They are not able to verify the account as they have claimed, as I have never had an account with that company nor who they claim to be the original creditor. I have sent dispute all certified mail they have had more than the required time to respond.

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 2024-02-08 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:
They did not follow the proper law in regards to reporting a collection account without notice, nor has the collection account proven the account is mine. They are not able to verify the account as they have claimed, as I have never had an account with that company nor who they claim to be the original creditor. I have sent dispute all certified mail they have had more than the required time to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: NJ

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-08 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: NV

Complaint narrative:
Please delete collections account XXXX XXXX XXXX XXXX XXXX XXXX No knowledge or authorization. Reported as identity theft. 

Also XXXX XXXX XXXX XXXX and XXXX is current

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: SC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are extremely adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. im demanding the inaccurcies be deleted now. 
Here are the items I am asking you to verify as accurate : XXXX. XXXX XXXX ( Account # XXXX ) XXXXXXXX XXXX  XXXXXXXX XXXX XXXX  ( Account # XXXX ) XXXX. XXXX XXXXXXXXXXXX XXXX ( Account # XXXX ) XXXX. XXXX XXXX XXXX  ( Account # XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) After your investigation is complete, please send me the results via mail. 
Thank you in advance, Best Regards,

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Reached out to Transunion via letter letting them know the information that there reporting for a collection is incorrect, i gave Transunion more the XXXX  days to respond and i have yet to receive a XXXX showing my wet signature show that i agreed to the debt. I still have not received any response from Transunion.

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 2024-02-08 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: Associated Credit Services, Inc.
State: AZ

Complaint narrative:
I received 2 collections on my account from a unknown company I have never did business with showing debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: NC

Complaint narrative:
The following accounts were used unauthorized. It affects my credit file and lifestyle. I need help to remove the following accounts from my credit report. 

XXXX. Account Name : XXXX XXXXL Account number : XXXX Date opened : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Ark-La-Tex Financial Services, LLC
State: MT

Complaint narrative:
I bought a house for XXXX with benchmark mortgage. 
I wired benchmark, XXXX XXXX XXXX to be applied as a down-payment on the balance of the loan. 
I found out while selling my home due to my unusually high payoff that benchmark kept that money for themselves and never applied it to the balance as my down-payment as agreed upon. They stole my money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: NY

Complaint narrative:
Name : XXXX XXXX Date of BirthXXXX Social security number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Phone NumberXXXX Email : XXXX I am exercising my right under the Fair Credit Reporting Act, 607 15 U.S.C. 1681e ( b ), Compliance Procedures As per Section 607, Accuracy of Report, A consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information about whom the report relates, backed by 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. As proof of my identity, I have included copies of my Social Security card, These are my information, please remove any other names, non-mailable addresses, and phone numbers from my credit report. 

per the FCRA as a federally protected consumer I ( XXXX XXXX ), am now opting out of any & all authorization I the consumer may have given written, unwritten, verbal & nonverbal per 15 USC 6802 Obligations with respect to disclosures of personal information, XXXX Form of opt-out notice to consumers ; opt out methods. 
a " Charge-Off '' considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! None of the companies that i have credit cards with has provided copies of the IRS forms such as 1099c,1099a and 1099OID filed with the U.S. Treasury and it does not appear that they are filing the proper taxes with IRS.companies must provide consumer with a copy of appropriate 1099c for accurate IRS reporting for any debt over {$600.00} U.S. Department The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. FERPA gives parents certain rights with respect to their children 's education records.

My credit report shows this is my account number DEPT OF ED / XXXX XXXX, however, on the XXXX website, it shows my account number is XXXX. This is INACCURATE information, inaccurate information must be removed immediately. 



Below Ive attached all charge-offs on all three of my credit reports. Please remove all charge-offs and inquiries and student debt from all XXXX credit reports. 
Please remove All inquiries on my credit report under 15 USC 1681 for permissible purposes. 


Please remove all other names, addresses, phone numbers, and email addresses other than the ones that I have provided here

Company response to consumer: Closed with non-monetary relief