vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital has sent multiple letters and statements claiming that I owe them an amount of money that has yet deemed to be proven. I have never used Jefferson Capital, I have never received a service from them and I am being contacted frequently for collection of money for a debt that is not mine. I have disputed this account and Jefferson Capital has never shown any signed agreements or contracts with my signature. My credit report has been reported negatively due to false reporting of this unknown debt/account. I demand that this be removed from my credit report due to inability to prove my ownership of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: NC

Complaint narrative:
There are accounts under my name that are a result of Identity Theft as well as inquiries in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these accounts I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Indie Technology DBA Found
State: IL

Complaint narrative:
On XX/XX/XXXX, at around XXXX, I received 2 unauthorized charges to my debit card. One in the amount of XXXX and the other is the amount of XXXX. I immediately contacted XXXX whom told me that the charge came from another device, not my personal device, but my card was not on file but because the device was logged into my XXXX ID, they were able to charge my card. I filed a dispute with XXXX, they in return approved the {$100.00} refund but denied the XXXX refund. I was not given a reason for the denial besides due to companys policy. On XX/XX/, I filed a dispute with my bank. Usually, youll get a confirmation email stating that they got the dispute and will be working on it. For over a week, I didnt receive anything from my bank, not even a confirmation. I called into customer service twice to have someone respond to my dispute. After over 2 weeks, I finally got a response from the representative XXXX XXXX. He asked me to provide him with proof that I attempted to resolve this matter with XXXX, which I provided at that time. He then asked me to reach back out to XXXX to see why they denied my claim in which I responded when did it become protocol for me to find out why they denied the claim?. Ive filed plenty of disputes and havent never had anyone ask me to go back and forth with the company. Its the banks job to investigate. After I sent that message, XXXX XXXX became very dismissive to my concerns. He stopped responding to my emails and when he would respond it would be very matter of factly. I had to call into customer service on multiple occasions just to get him to respond to my emails. I asked for a supervisor to reach out to me on multiple occasions. A provisional credit is supposed to be provided after 10 days. Its been over 3 weeks since I filed this claim and I have gotten no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: CT

Complaint narrative:
I am writing to dispute the presence of some unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified inquiries that were made without my consent or knowledge. I am seeking your assistance in investigating and removing these hard inquiries from my credit report as these are impacting my creditworthiness. 

See letters for the details.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: CT

Complaint narrative:
I am writing to dispute the presence of some unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified inquiries that were made without my consent or knowledge. I am seeking your assistance in investigating and removing these hard inquiries from my credit report as these are impacting my creditworthiness. 

See letters for the details.

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 2024-01-17 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: GA

Complaint narrative:
Equifax data breach in 2017 I am writing to address a serious matter regarding the data breach. It has come to my attention that my credit report has been reflecting several instances of fraudulent activity, specifically the opening of a credit card from XXXX XXXX with a balance of {$1400.00}. 

I have taken the necessary steps to rectify this situation by providing proof of the Equifax data breach in 2017, as well as an Identity Theft report. Additionally, I have attached a dispute letter pertaining to the fraudulent credit card and evidence of the deletion of all related inquiries from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Best Buy card services sent a late payment to credit report companies XXXX, XXXX and XXXX on a purchase I did not authorize. It was a purchase made in Minnesota and I live in Texas. The scheduled amount was {$67.00} max reported on XX/XX/. This is causing an unnecessary low FICO mortgage score. The credit card last four digits are 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 monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX removed this from my consumer report. I am requesting for LVNV to verify my Social Security Number, I am requesting them to provide the contract I signed with XXXX XXXX for this Credit Card. I am requesting them to show proof I provided all verification to apply for this credit card. I am disputing the date they are reporting the informationt to the credit bureaus because I do not owe XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Company keeps phoning me about a debt that I'm not aware of. Company states they purchased debt from a another creditor. I asked for a copy of the contract I signed with Company. After 1 year, I have yet to receive the contract, however the debt is listed as a collection on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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:
l, the consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 also please note I am the natural person writing this statement with no help with a XXXX  party. the accounts on my report are inaccurate and needs to be remove XXXX shows a incorrect balance and last date of activity is also inaccurate XXXX XXXX last verfied and date of last activity are also inaccurate. XXXX XXXX date of last activity and date open are inacurrate. 15 USC 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also 15 USCi ( 5 ) says Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly 15 USC 1681 S-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 explanation
Consumer complaint received 2024-01-17 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: IN

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-17 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: PA

Complaint narrative:
I am writing to delete the following information in my file. 
XXXX XXXX XXXX The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-01-18 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: IL

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2024-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my third CFPB report for issue I have with TransUnion reporting a fraudulent late payment I have sent certified mail. I gave them my CFPB, XXXX  and FTC report I have gave them all documentations to prove that there is no late payment even a letter from the company saying that my account is closed in good standing and its paid off. I sent this in XXXX this months later, still violated my laws. This is violation of code 1666B every time I call the phone hangs up or I get somebody thats not in the United States and I can barely understand them and they dont know anything to help me. I spoke to five different employees. Today still no help. This is very unprofessional and indirect of the FCRA laws They did not honor my cfpb report I tried to submit a dispute. The website has errors. They deleted my own dispute just so I can redo it still having an issue trying to upload my other documents. I need this handle immediately. It is messing up my credit worthiness below. I will attach the letter from the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SD

Complaint narrative:
To whom it may concern I submitted a dispute with USAA for an ongoing purchase I had made on my credit card with Smile Direct after my teeth become poorly affected and they filed bankruptcy. First USAA ruled in my favor and credited the amounts back. Then, they claimed I hadn't submitted enough evidence even though they gave me less than 48 hours to produce it and charged me again. Then they said they'd credit back a portion and never did. They keep sending me a letter from a XXXX XXXX XXXX  who claims to work directly with USAA 's CEO. I have since come to find that " XXXX '' is an automated machine. XXXX  does not exist. This is a general letter they send customers to appease them since the shrinking of their assets in XXXX  and potential bankruptcy filings. My pleas to USAA 's dispute and documents team are ignored, customer service is unresponsive. The few times I have spoken with representatives they seem generally unknowledgeable about banking concerns and legalities. I would like a deeper look taken into this and I have saved the documents necessary to prove my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Company is charging me late fees and interest for an issue that I had talked with them over with last year. The credit card was canceled ( by them ) 2 years prior and yet they still share my info with third party merchants. I already tried canceled with the 3rd party but they are not acting in good faith and now I have an issue with this TD CC. I was told my account was closed so this is not something I was expecting. Now I come to find I have late fees and interest charges. This amount is not much to most but I am currently struggling financially and the credit card company ( TD ) is taking advantage and sharing information on an account ( mine ) that they themselves closed. As it was closed I did not expect to see these charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am requesting all documents used in the investigation along with signature on any documents proving that the debt belongs to me. Each time I request these documents they continue to write saying it is verified and accurate. The is my last request and I don't receive them I will take legal actions for all the violations. The bank did there investigation and said that the social security number didn't match but then left it on my report confirming its accurate.

Under the FCRA 15 U.S.C 1681g I have all the right to demand that you disclose to me all of the documents use. Send me copies. Under FCRA 15 USC 1681i all unverified accounts must be promptly deleted.

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 2024-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
All stated banks AMERICAN EXPRESS, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, if any account under XXXX XXXX and social security number XXXX from XXXX was created due to fruad and scamming. I don't own any bank card or have any association with any banks. 

I XXXX XXXX give consent to close all accounts and in reimbursement check form. 

My number XXXX email XXXX You may contact me Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: UT

Complaint narrative:
See the email chain below. I asked them to provide me with my information and they refused to do so. 

Hello, At this time, First American is not accepting data privacy requests for Utah residents, because it is exempt from the Utah Consumer Privacy Act as a Financial Institution or affiliate, its data is subject to the Gramm-Leach-Bliley Act, and its data is publicly available. 

Regards, First American Data Privacy From : XXXX XXXX XXXX Sent : Monday, XX/XX/year> XXXXXXXX XXXX To : XXXX XXXX Subject : Re : Delete Request Im a Utah resident and dont see the ability to request on the website. The Utah Consumer Privacy Act allows me also to access my data, correct my data, delete my data, and opt out of sale. This law is regulated by the Utah Division of Consumer Im a Utah resident and dont see the ability to request on the website. The Utah Consumer Privacy Act allows me also to access my data, correct my data, delete my data, and opt out of sale. This law is regulated by the Utah Division of Consumer Protection. 


XXXX XXXX From : XXXX XXXX Date : Monday, XX/XX/year> at XXXX To : XXXX XXXX Subject : RE : Delete Request Hello, First American has received your email. If you are a California Consumer wishing to exercise your rights under the CCPA, please call toll-free at XXXX or click here to submit a verified request. 

Regards, First American Data Privacy XXXX XXXX XXXXOriginal Message XXXX XXXX XXXX  From : XXXX XXXX Sent : Friday, XX/XX/year> XXXX PM To : XXXX XXXX Subject : Delete Request To First American, Please assist with deleting all the data that you have on me. This is a Delete Request. Im looking to exercise my privacy rights to understand what data you have on me. 

My Name : XXXX XXXX Email Address ( es ) : XXXX XXXX XXXX XXXX XXXX Note : I have more than just this as an email address. If you are using email as an identifier and I need to provide alternate emails you may find me under, then please let me know. 

There are different requirements for what information I need to provide, and it varies per company. Because of this, youll need to let me know if more information is needed to provide me with my Delete Request. 

I look forward to your prompt response and will look to the CFPB for further guidance and complaints if I do not hear back. 

- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2024-01-17 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: NJ

Complaint narrative:
I have been affected by the Equifax data breach they are wrongfully in violation from XX/XX/XXXX  This year i am looking to be compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: IN

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief