vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMCB is reporting a charge-off account on my credit reports ending in XXXX. This account was opened in my name without my authorization. I don't recognize the reported account. I asked JPMCB to validate with a contract for proof of signature, this doesn't exist. This is a request for the account to be deleted from XXXX, XXXX, & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND 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 2020-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XXXX, XXXX, I placed a complaint about this Debt Collectors company, RESURGENT CAPITAL SERVICES L.P., located in XXXX, SC XXXX XXXX XXXX XXXX, phone XXXX XXXX XXXX XXXX. At that time, they were harassing me, in less than a month they sent me five notifications about an old credit card debt from the year XXXX for {$18000.00}, using confusing language that overshadows and contradicts information. 

I respondedto all five notificationsas they arrived because they keptthreateningme that if I don't respond to dispute this debt in 30 days, they'll obtain a copy of judgment. In order for me to respond to them, I had to expose myself ( I'm XXXX XXXX XXXX ) and others to this deadly Coronavirus COVID-19, every timeI had to go to print the response letters, and to the Post Officeto mail them.In all my responses I've disputed this debt and I've asked them to stop contacting me, at least they want to pursue this matter in court, but they haverefused to do it bycontinuing to send me more notifications. Also, I haveverified that the Statute of Limitations for enforcing this type of debt through the courts in Texas has expired ( I have mentioned all of this information on my previous complaint ). 

On XX/XX/XXXX, RESURGENT CAPITAL SERVICES L.P. responded to my complaint to theConsumer Financial Protection Bureau ( CFPB ), citing on their 2nd page that : " Our records indicate that XXXX XXXX XXXX submitted a notice requesting that we cease communication with them to this office on XX/XX/XXXX. When Resurgent receives a cease and desist request, Resurgent places a restriction on the account so that our office initiates no further contact to the customer, except to respond to specific requests received from the customer. Please be advised that the cease and desist notifications received also states that XXXX XXXX XXXX disputes the validity of the debt. '' ( response attached ) I HAVE NOT askedRESURGENT CAPITAL SERVICES L.P. to respond to any specific requests since my lastcease and desist request on XX/XX/XXXX. 

On XX/XX/XXXX, once again, they've sent me another notificationusing the same old confusing language that overshadows and contradicts information as the five previousones before I placed mycomplaint on XX/XX/XXXX ( picture attached ). 

All six notices are coming from the same XXXX XXXX XXXX, XXXX MI XXXX And the same Correspondence Department XXXX XXXX XXXX, XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX account has never been late but Experian is reporting it late.

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 2020-07-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
SHOWING 4 LATE PAYMENTS I WAS NEVER LATE AND IVE ASKED THEM TO REMOVE THEM CAPITAL ONE REFUSED. I HAVE NEVER BEEN LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I received a US Bank XXXX  in the mail. An insert included said I was receiving the card because I filed for unemployment in Colorado. I did not file. I checked my credit report and there are soft inquiries from the XXXX XXXX CO XXXX, State of IL XXXX/XXXX, and State of OH XXXX/XXXX. I do not live or work in any of these states. I live and work in Arizona. 

I have attempted to call US Bank and each of the states, but they are overwhelmed with calls.

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 2020-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: CO

Complaint narrative:
In XXXX I was late sending in my payment due to COVID issues. I then paid it in full asap. They are showing a late payment in XXXX on my credit, but they refuse to remove the late payment on my credit report. This dropped my score so I am now losing my mortgage because the score is XXXX points to low. Their late payment on my credit lowered the score over XXXX points. They agreed on a phone call to remove the late payment on my credit plus remove the late fee, but all they have done so far is remove the late fee.

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 2020-07-21 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a formal complaint against transunion credit bureau. Transunion failed to ignore a proof copy of my validation letter i sent to the collection agency innovative recovery dated on XXXX XXXX showing that they did not validate the alleged debt. I sent copies to transunion of the validation letter dated on XX/XX/XXXX and asking and in writing for removal of an unvalidated and inaccurate alleged debt from my credit report that innovative recovery was reporting. On XXXX XXXX i received a letter from transunion dated on XX/XX/2020 stating the alleged debt was accurate. This is a violation on both parties the collection agency " innovative recovery '' and also transunion.As a consumer my rights were violated and was never given the information i requested from innovative recovery and transunion flat out ignored the validation letter.The debt was never validated in my validation letter i sent to innovative recovery. And i asked transunion for removal and they also failed to do so after i showed proof that the collection agency never validated the alleged debt. So therefore further action are going to be taken against transunion and innovative recovery.. How does transunion investigation comes back accurate and the alleged debt was never validated that was requested from the consumer..Thats my right to ask for complete validation and my request was never honored ...

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 2020-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Technology Federal Credit Union
State: GA

Complaint narrative:
XXXX XXXX  has added to my report .. i have never had any dealing with first tech credit union in 3 years. all of a sudden they reopened a loan that was charged off or 3 years, then they open an new account in my name on there own and sends it to collections. 

There is not documents on me because i never had this loan nor have i had any dealings with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Not only do I dispute this debt, but the debt collector, LVNV Funding, and their attorney, XXXX XXXX, with XXXX & XXXX in XXXX, AZ apparently obtained a judgment against me without my knowledge and without verifying the debt, and then proceeded to locate an individual with a similar name, contact her employer, garnish her wages, and in the process provide her with enough information about me ( including my name, SSN, supposed debt amount and creditor, etc.. ) to track me down and harass me via social media, blaming me for the supposedly mistaken garnishment. 

Since the garnishment was squashed by the court, the debt collector has sent yet another a letter outlining specifics about both me and the debt to another unrelated third party and has increased the total supposedly owed. 

It is unacceptable given a. ) it's not my debt, b. ) they didn't contact me before obtaining a judgment ( or contacted the wrong person ), c. ) they released very personal, identifying information about me and my supposed debt to a stranger who proceeded to harass me, not once but twice, and d. ) they have not stopped their efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX Credit Card XXXX is inaccurately reported my account as closed and as being delinquent. This information is incorrect. I contacted the creditor and was informed that they are reporting the account as open, in good standing with a {$0.00} balance, and as never having any history of the account being delinquent or past due. Please correct this ASAP. Thank you.

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 2020-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

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 2020-07-21 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: CA

Complaint narrative:
SHOWING 4 LATE PAYMENTS I WAS NEVER LATE AND IVE ASKED THEM TO REMOVE THEM XXXX  XXXX REFUSED. I HAVE NEVER BEEN LATE

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 2020-07-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
SHOWING 4 LATE PAYMENTS I WAS NEVER LATE AND IVE ASKED THEM TO REMOVE THEM XXXX  XXXX REFUSED. I HAVE NEVER BEEN LATE

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 2020-07-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, DEPT OF ED/XXXX, DPT ED/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiries : 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 I 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 2020-07-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, DEPT OF ED/XXXX, DPT ED/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : 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 BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX I 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 2020-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One will not close my account. I want it closed ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On my credit report the account rating is derogatory, i find this to be unfair. I am in collections with this account which is XXXX XXXX, I am on a payment plan with XXXX XXXX  and I think the reporting should reflect that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX someone attempted to purchase a XXXX  XXXX XXXX through XXXX. They attempted to finance the auto via various financial institutions. A police report has been filed with the XXXX, CA Police Department ( XXXX ). They also stated I worked for XXXX XXXX XXXX. They applied for financing at the following banks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX The individuals that attempted to use my identity entered the following demographic info Phone XXXX XXXX XXXX email XXXX I would like these inquiries removed from my credit report as they are affecting my quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX someone attempted to purchase a XXXX  XXXX XXXX through XXXX. They attempted to finance the auto via various financial institutions. A police report has been filed with the XXXX, CA Police Department ( XXXX ). They also stated I worked for XXXX XXXX XXXX. They applied for financing at the following banks : XXXX XXXX XXXX XXXX TD Auto Finance XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX The individuals that attempted to use my identity entered the following demographic info Phone XXXX XXXX XXXX email XXXX I would like these inquiries removed from my credit report as they are affecting my quality of life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: WI

Complaint narrative:
Roughly XX/XX/2019. XXXX. A little over XXXX paid down to XXXX, XXXX. Went through fraud crime 's and was denied. I filled numerous times for fraud and was denied. A bank in Arizona was paying it off and charging it and paying it off without my knowledge they then had all the charges reversed and stuck onto my account. I live in the XXXX and do not know anyone in that area. My card was stolen and was used in a town over. Living in a college town it could be anyone from XXXX individuals. That also shop in the same area. They stated that I had lied and withheld information which i know i had never once done. This is not something i did and there is no need for me to lie or withhold any information used to help my investigations. I have already paid XXXX on something that i had not even done. I can no longer afford a mistake that I didnt even create.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX ( XXXX XXXX XXXX Credit Card ) is inaccurately reported my account as closed and as being delinquent. This information is incorrect. I contacted the creditor and was informed that they are reporting the account as open, in good standing with a {$0.00} balance, and as never having any history of the account being delinquent or past due. Please correct this ASAP. Thank you.

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 2020-07-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX ( XXXX XXXX XXXX Credit Card ) is inaccurately reported my account as closed and as being delinquent. This information is incorrect. I contacted the creditor and was informed that they are reporting the account as open, in good standing with a {$0.00} balance, and as never having any history of the account being delinquent or past due. Please correct this ASAP. Thank you.

Company response to consumer: Closed with explanation