vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Dear Collector, I am writing in response to your { letter or phone call } dated { insert date of letter or phone call }, copy enclosed. 

On { insert date of initial dispute letter } I sent you a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g ( Validating Debts ) : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I must remind you that in my previous letter I requested the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 

As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 

Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I put money on my chime and some money that are unauthorized transaction I explain to customer service that I XXXX XXXX XXXX that same day so that wasn't me and I didn't believe me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have attempted to contact the U.S. Department of Education in regard to inaccurate information furnished on my credit report, via written communication at the address ( s ) listed on my credit report. I verified the address to see if it was congruent with information provided on their website and it was. My letters were returned as undeliverable. I disputed the information with the credit bureaus, and they responded with the information was verified and is accurate. However, the credit bureaus changed the address ( s ) furnished on my report as an address listed in XXXX, TX. At the time of this complaint, XXXX of the credit reporting agencies are reporting something totally different. XXXX is reporting both of my student loan accounts as in collections as of XX/XX/XXXX and an address for the US Department of Education in Iowa XXXX, IA with no actual mailing address. Equifax is reporting both of my accounts in collections as of XX/XX/XXXX and an address of XXXX XXXX XXXX XXXXXXXX, TX XXXX. When I sent written communication to this address, I received no response. XXXX has the information incorrect also. My account was paid in full and is not in collections. However, this information is hindering my ability to move forward with my personal and commercial endeavors. I need someone to look into this matter as expedient as time will allow. Thank in advance>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have repeatedly sent investigation requests into several incorrect information on my credit file such as Name, date of Birth, Current address, incorrect previous addresses listed on my credit file. Unauthorized inquiries, collection or charge off, or late payments reflecting on my credit file. The credit bureau chooses to ignore the law and either fail to respond or simply respond with a generic stall tactic letter assuming that the letter was not sent directly by 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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have repeatedly sent investigation requests into several incorrect information on my credit file such as Name, date of Birth, Current address, incorrect previous addresses listed on my credit file. Unauthorized inquiries, collection or charge off, or late payments reflecting on my credit file. The credit bureau chooses to ignore the law and either fail to respond or simply respond with a generic stall tactic letter assuming that the letter was not sent directly by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I never lived there at above address and the XXXX, XXXX, Trans Union would not remove it some reason I even submitted the documents to approve it and I also noticed the Trans Union and XXXX are not updating there XXXX scores XXXX Equally if they are getting XXXX scores from XXXX it should be the same I dont understand Equafax is XXXX but trans union is XXXX and XXXX is XXXX XXXX believe scoring module reported unfairly.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I never lived there at above address and the XXXX, Equafax, XXXX XXXX XXXX not remove it some reason I even submitted the documents to approve it and I also noticed the XXXX XXXX and XXXX are not updating there XXXX scores XXXX Equally if they are getting XXXX scores from Equafax it XXXX be the same I dont understand Equafax is XXXX but XXXX XXXX is XXXX and XXXX is XXXX XXXX believe scoring module reported unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
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 explanation
Consumer complaint received 2024-12-31 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: U.S. BANCORP
State: CA

Complaint narrative:
XXXX personal credit card blocked due to identification verification failure. 
New card initiated. 
Written request received to complete the application process in my name of which I did not initiate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Credit report had hard inquiries that I did not generate/ initiate XXXX XXXX- XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  report completed XX/XX/year> XXXX d pending approval to file report. 
I personally contacted each financial institutions dispute filed, fraud alerts placed. 
Made contact with experian and XXXX Pending contact with XXXX. 
Affidavit completed with XXXX XXXX and submitted XX/XX/year>.

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 2024-12-31 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:
THIS SERVES AS A FORMAL AND INITIAL COMMUNICATION TO COMPLAIN THAT YOU ARE REPORTING INACCURATE AND INCOMPLETE INFORMATION ON MY CREDIT REPORT. THE FOLLOWING INFORMATION REGARDING LATE PAYMENTS ARE INACCURATE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ( 90 DAYS LATE ) I RESPECTFULLY REQUEST A THOROUGH AND ACCURATE INVESTIGATION INTO DATA ASSOCIATED WITH THESE ACCOUNTS, ENSURING THAT ALL NOTATIONS, DATES, PAYMENTS AND BALANCES ARE REPORTED CORRECTLY. I ALSO REQUEST SPECIFIC EVIDENCE PROVING THAT THE ALLEGED LATE PAYMENTS WERE IN FACT LATE. TO VERIFY THIS I AM REQUESTING COPIES OF STATEMENTS AND PAYMENT TRANSACTION RECORDS FROM CREDITORS THAT DEMONSTRATE MY PAYMENT WAS SUBMITTED LATE.

UNDER 15 USC CODE 1681e IT IS YOUR RESPONSIBLILTY AS THE CREDIT REPORTING AGENCY TO VERIFY THE ACCURACY OF THIS INFORMATION WITH THE REPORTING CREDITORS IF YOU ARE UNABLE TO PROVIDE PROOF OF THE ALLEGED LATE PAYMENTS I ASKED THAT YOU UPDATE MY PAYMENT HISTORY TO REFLECT A " PAANL '' ( PAID AS AGREED NEVER LATE ) STATUS IN ACCORDANCE CONSUMER PROTECTION LAWS.

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 2024-12-31 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:
THIS SERVES AS A FORMAL AND INITIAL COMMUNICATION TO COMPLAIN THAT YOU ARE REPORTING INACCURATE AND INCOMPLETE INFORMATION ON MY CREDIT REPORT. THE FOLLOWING INFORMATION REGARDING LATE PAYMENTS ARE INACCURATE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( 90 DAYS LATE ) I RESPECTFULLY REQUEST A THOROUGH AND ACCURATE INVESTIGATION INTO DATA ASSOCIATED WITH THESE ACCOUNTS, ENSURING THAT ALL NOTATIONS, DATES, PAYMENTS AND BALANCES ARE REPORTED CORRECTLY. I ALSO REQUEST SPECIFIC EVIDENCE PROVING THAT THE ALLEGED LATE PAYMENTS WERE IN FACT LATE. TO VERIFY THIS I AM REQUESTING COPIES OF STATEMENTS AND PAYMENT TRANSACTION RECORDS FROM CREDITORS THAT DEMONSTRATE MY PAYMENT WAS SUBMITTED LATE.

UNDER 15 USC CODE 1681e IT IS YOUR RESPONSIBLILTY AS THE CREDIT REPORTING AGENCY TO VERIFY THE ACCURACY OF THIS INFORMATION WITH THE REPORTING CREDITORS IF YOU ARE UNABLE TO PROVIDE PROOF OF THE ALLEGED LATE PAYMENTS I ASKED THAT YOU UPDATE MY PAYMENT HISTORY TO REFLECT A " PAANL '' ( PAID AS AGREED NEVER LATE ) STATUS IN ACCORDANCE CONSUMER PROTECTION LAWS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THIS SERVES AS A FORMAL AND INITIAL COMMUNICATION TO COMPLAIN THAT YOU ARE REPORTING INACCURATE AND INCOMPLETE INFORMATION ON MY CREDIT REPORT. THE FOLLOWING INFORMATION REGARDING LATE PAYMENTS ARE INACCURATE. 

XXXX OF XXXX ( MARKED AS 120 DAYS LATE XXXX XXXX XXXX XXXX XX/XX/year> ( 60 DAYS LATE ) XX/XX/year> ( 60 DAYS LATE ) XX/XX/year> ( 90 DAYS LATE ) I RESPECTFULLY REQUEST A THOROUGH AND ACCURATE INVESTIGATION INTO DATA ASSOCIATED WITH THESE ACCOUNTS, ENSURING THAT ALL NOTATIONS, DATES, PAYMENTS AND BALANCES ARE REPORTED CORRECTLY. I ALSO REQUEST SPECIFIC EVIDENCE PROVING THAT THE ALLEGED LATE PAYMENTS WERE IN FACT LATE. TO VERIFY THIS I AM REQUESTING COPIES OF STATEMENTS AND PAYMENT TRANSACTION RECORDS FROM CREDITORS THAT DEMONSTRATE MY PAYMENT WAS SUBMITTED LATE. 
UNDER 15 USC CODE 1681e IT IS YOUR RESPONSIBLILTY AS THE CREDIT REPORTING AGENCY TO VERIFY THE ACCURACY OF THIS INFORMATION WITH THE REPORTING CREDITORS IF YOU ARE UNABLE TO PROVIDE PROOF OF THE ALLEGED LATE PAYMENTS I ASKED THAT YOU UPDATE MY PAYMENT HISTORY TO REFLECT A " PAANL '' ( PAID AS AGREED NEVER LATE ) STATUS IN ACCORDANCE CONSUMER PROTECTION LAWS.

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 2024-12-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> I applied for an Allegiant Airlines Bank of America card. I was approved and received the card in early XXXX. When I had not received a bill, I called the customer service line and was told I had a payment due on XX/XX/year>. On XX/XX/year> I learned that they reported a 30 late payment because my payment was due on XX/XX/year>! I never received a bill or any notification whatsoever that a payment was due. I feel this is unfair and Bank of America did not have my back as a consumer. I am paying off the card and closing it.

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 2024-12-31 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: PA

Complaint narrative:
I am writing to delete the following information in my life. the items i need deleted are in the report. I am victim of identity theft and did nit 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. I would appreciate it if you deleted these items as soon as possible as it is hindering me. Im trying to advance my lifestyle by getting certain things situated to help provide for me and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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 life. the items i need deleted are in the report. I am victim of identity theft and did nit 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. I would appreciate it if you deleted these items as soon as possible as it is hindering me. Im trying to advance my lifestyle by getting certain things situated to help provide for me and my family.

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 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> I received a text notification that a Capitol One Quicksilver card was applied and approved under my name, phone number, and home address. It took me until Monday the XXXX to realize that this wasnt a spam text and was legitimate ( as I was notified it was in delivery now ). The card luckily came into my hands, but someone had apparently stolen my identity and applied for a credit card under my name. As of now I have put a fraud alert through all XXXX  Credit companies and froze my accounts in each of them. I dont think my credit has been affected yet ( as all I see in my credit info is that its under Hard Inquiries ), but Im afraid of what could still happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates
State: MI

Complaint narrative:
Account settled paid still leave negative remarks on credit reports

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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:
Trans Union, XXXX XXXX XXXX is knowingly reporting unfair and inaccurate account information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to the Principal 's credit report. This is my official complaint about the unfair practices and trespass. Please see the attached notice.

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 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a checking and savings account with my husband mid XX/XX/year> with Citibank, and the following Friday I deposited a check into my savings account. Later that day I tried to log into my account and my checking and savings accounts were not appearing in the portal. I called customer service, who transferred me to the fraud department, who told me both my checking and savings accounts were put on hold and I would have no access or use of my accounts. The fraud department told me that my accounts were under review and that I should have access in XXXX hours. On Saturday I called again and was escalated to a supervisor and kept being told that my account was under review. On Monday still heard nothing and went to my local branch and they called and said my accounts were still under review I am extremely frustrated that I was not contacted that my account was on hold, nor notified that Citibank detected potential fraud and put my account on hold. That frustration was compounded by the horrible customer service, different people not listening to my concerns and reading me scripts, and no one giving me any kind of estimate as to when I would have control over my accounts again.

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