vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CO

Complaint narrative:
Hello, I have Requested That this Collection Company several times please stop Harrassment And please stop calling me and sending me Letters in my mailbox. I have Already contacted my Creditors All 3 and have had this Company stopped from Attempting to take Money from me over matters that Have been long past statute of limitations and This Jefferson Capital Attempted to Lure me into Payments that have been settled And long past paid wrote off. Unfortunately this particular company Would refuse to Tell me who they were and what they were trying to collect from me As I was concerned in regards to Many stories of Credit theft and identity theft, I immediately contacted the creditors XXXX, XXXX and XXXX to Have this company Be Removed due to Shady and misinformation and lack of any Information in regards to The debt they were harassing me about. ALL THREE Creditors Have Long ago Concluded ans closes this Company and is Nolonger on my reports and has not been for some time. I have asked this company several times to STOP calling me texting me and mailing me as I am XXXX and I have a very aggressive form of XXXX XXXX and with XXXX XXXX  XXXX The XXXX Causes me to XXXX XXXX XXXX I currently am taking XXXX at the XXXX center and this XXXX has gotten me absolutely XXXX my neurologist has already had to write letters in regards to other situations that they Be XXXX free environments that contribute to more XXXX XXXX. At this point I am Going to fike a law suite for This due to their absolute careless Concern for My health as I've already had discussions about with this company. Please help me to end this harassment that has gotten extremely out of hand at the hands of this Jefferson Capital. Thankyou for your time and effort in regards to my situation with this overwhelming harassing company Jefferson Capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: OK

Complaint narrative:
I have attempted to request a copy of my Consumer Disclosure Report from LexisNexis four times over the course of roughly a month ( XXXX 2023 ) ; each time they respond with a letter via mail stating that they can not verify my identity based on the information I provided. 

Within the same notice ( s ) they recommend I resubmit my request with additional information.

However, I have provided all information they will accept when requesting my Consumer Disclosure Report ; all of which is accurate as it relates to my actual identity.

This has effectively made obtaining my Consumer Disclosure Report impossible.

I am filing a complaint in the hopes that it will help me to obtain a copy of the report I am legally entitled to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The payment due date on my Walmart credit card issued by CapitalOne is XX/XX/XXXX. I made my payment on the due date of XX/XX/XXXX however, CapitalOne is assessing me a {$28.00} late fee even though the following day is a federal holiday and the payment will not be processed or completed until the XX/XX/XXXX. 

I am attaching a screen shot of the CapitalOne mobile app to show that the late fee was assessed the same day as the payment due date and a e-mail confirming that payment was made on the due date of XX/XX/XXXX. 

CapitalOne is the only credit card company that has early cut off times. All the other credit card companies XXXX, XXXX, and XXXX give customers until XXXX XXXX on the payment due date to make payment before assessing a late fee. Credit card companies also program their computers to automatically assess late fees. 

In my opinion the federal government and the states should either limit the late fees to {$10.00} or prohibit the late fees altogether. Additionally, credit card companies are required by law to charge off accounts when no payment has been received for 180 day and once they charge off the account the late fees and interest must stop. This late fee is a junk fee just a fee to charge a fee and squeeze additional revenue out of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, Pa, XXXX Equifax Information Services , LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX Dear Equifax, On XX/XX/XXXX, I submitted a request for investigation under FCRA 611 ( a ) to Equifax regarding the following accounts on my credit report : XXXX XXXX XXXX Account XXXX In response, I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as Equifax has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that XXXX cant even get a credit card or a loan in my name. 
Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that Equifax delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation. 
I am requesting that Equifax provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract. 
I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of Equifax. Please note that I intend to pursue legal action if this matter is not resolved. 
I would like to remind you of Dixon-Rollins v. Experian Information Solutions , inc. ( 2010 ) and Miller v. Equifax Information Services LLC ( 2013 ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that Equifax will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. 
I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I purchased a timeshare. Immediately after tried to cancel by phone and certified mail. Was delayed and dodged by company. When they got back to me told me I was 3 days late and couldnt cancel. They provided a change of terms by email. I agreed, they then would not answer the phone. Tell me I could only talk to one person. This person discriminated against me, ignored calls, text and emails. Then illegally added a fraud account to my credit. This company practices fraud through their sales process. I am attaching proof of emailed conversation. Sent to me twice and never corrected for 2 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I paid off the remainder of the credit building loan. After the loan is paid off, they are supposed to send me the payout. It is now XX/XX/XXXX and I still havent received anything. I submitted a complaint before about this, afterwards they sent me a message saying I need to verify my identity by sending in some documents in order to receive payout. I informed them of my special but reasonable circumstances ( I am currently living abroad without a social security card and no realistic way of obtaining one ), however I would still be able to send in the others, which I believe is sufficient to prove my identity. Unfortunately, they are unable to make an exception in my special circumstance, and now my money that I am rightfully owed ( approx. {$500.00} ) is being held indefinitely by this company. If they do not make an exception for my reasonable circumstances, then I will never receive the money I am owed, which is completely unacceptable. I want my money returned to me ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
Between XX/XX/2022 and XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX  ( XXXX USD at the time ) from my Coinbase account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Coinbase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
This collections is rental dispute from XXXX XXXX from XXXX NJ. Several times of complaints to the building of entry without permission. Finding my door open two times, without any calls, they have my cell number/work number. I felt unsafe and violated, and spoke to management to break my lease due to me feeling this way. At the time of me leaving I also found out that maintenance, was evolved in a police investigation of breaking into peoples apartments while the tenant was at work in one of the buildings they have access to next door the XXXX. So Management at the time, said it was ok for me to go, due to me feeling very uncomfortable, they kept my security, and did not give me any other solutions or warned me of the collections that I have now.

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 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The letter you sent state you conducted a thorough investigation into this matter and concluded that someone did obtain a loan with your company using XXXX XXXX XXXX personal information first that fraud m name is XXXX XXXX Second you state i open a loan at your branch XXXX in XXXX Mo on XX/XX/XXXX but my report states the acct was open XX/XX/XXXX so you wrote a letter that falsely saying i had number 3 then it says the acct-was transferred to Branch XXXX XX/XX/XXXX the letter makes no sense and its all over the place i will fight you in court and i will not stop this is fraud and miss use of my rights XXXX XXXX XXXX has stated in a documented letter of their inaccuracies also included my personal info and id to show im not XXXX XXXX this is on m acct inaccurate I also added Sectary of State XXXX XXXX i also included my info for awareness

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 2023-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion, XXXX, XXXX are purposely messing up my credit scores.

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 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, Pa, XXXX TransUnion, LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX Dear Transunion, On XX/XX/XXXX, I submitted a request for investigation under FCRA 611 ( a ) to Transunion regarding th e following accounts on my credit report : XXXX XXXX XXXXXXXX Account XXXX In response, I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as Transunion has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that I cant even get a credit card or a loan in my name. 
Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that Transunion delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation. 
I am requesting that Transunion provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract.

I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of Transunion. Please note that I intend to pursue legal action if this matter is not resolved. 
I would like to remind you of Dixon-Rollins v. Experian Information Solutions , inc. ( 2010 ) and Miller v. Equifax Information Services LLC ( 2013 ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that Transunion will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. 
I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. 
Best regards, 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 2023-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
12 calls in 5 days as noted in screen shot. All within work hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One mailed me a offer XXXX XXXX if i spend {$6000.00} in 3 months i would get a {$700.00} cash reward. i did spend that amount so i called to check on my {$70000.00} reward, in XX/XX/2023 again in XX/XX/2023, they told me they gave me a alternative card so i wouldn't get the rewards.. i did not give them permission to just Change my card to a different card. i want my rewards, they refused to give me what is due, what i have in writing on the ad they sent to me. i can send you a pict of it if i need to..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

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 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma, LLC
State: GA

Complaint narrative:
credit karma and XXXX can not show credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX and Experian can not show credit history

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 2023-07-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Kohl's/Capital One closed my account before my payments was 6 months/120 days past due. 
There was a payments made XX/XX/2023 in the amount of {$100.00}! 
XX/XX/2023 in the amount of {$100.00}. 
My credit limit was {$300.00}. 
My balance as of today is {$240.00}. 
I've contacted Kohls/ Capital One and the representative offered to remove the late fees, but wasn't willing to explain why my account was closed before the 6 months/120 days of not receiving a payment! I've never been offered a payment plan or the opportunity to reconcile my account. When I asked to speak to a supervisor, I was told the supervisor wasn't available. According to my credit report Kohls closed my account XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
Between XX/XX/2022 and XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of 0.3875 BTC ( XXXX USD at the time ) from my CashApp account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether CashApp did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. Experian Information Solutions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: IN

Complaint narrative:
My XXXX credit card ending in XXXX is showing an opening status on my credit reports. I called the automated system weeks prior to close my account yet the open-status remains on my credit 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 explanation